Spent mine……
Nationwide has long been a good ’bank’ for UK expats.
In the old days ATM withdrawals were totally free. When I was still UK based I gave Jip the card for one account and if she needed to buy stuff I would transfer into that account and she would take money out via the ATM. She wanted to get a sofa and chair one day; she sent me a photo for approval, I immediately paid in £200 and she withdrew 13,000 Baht (that was in the days when GBP/THB was well over 50!).
Even now Nationwide Goldcard does not attract overseas transaction charges on purchases - and the exchange rate is always good.