ATMs in Thailand Guide: Fees, Withdrawal Limits, Locations (2024)

FAQs

ATMs in Thailand Guide: Fees, Withdrawal Limits, Locations? ›

Are there withdrawal limits on Thai ATMs? The large majority of Thai ATM machines have a withdrawal limit of ฿20,000 ($617). Some banks have higher limits such as Bangkok Bank ฿25,000 ($771), and Bank of Ayudhya (Krungsri Bank) ($925).

On a related note, Citibank has a number of ATMs around the country. ⁵ Its customers can use the bank's worldwide network of ATMs free of charge. So, it's worth checking if your bank might also have an arrangement with Citibank that allows you to use their Thai ATMs fee-free or at a reduced cost.

So the best if withdraw money at ATMs is to take out the maximum per withdraw, some ATMs allows 10 000 THB (about 250 Euro or 285 Dollar) or some others allows 20 000 THB. Another things know it that Atms will let you withdraw once or twice every 24h, even if you bank limit is way more than the amount withdraw!

AEON BANK has the lowest ATM withdrawal fees in Thailand. There are no free ATM withdrawals in Thailand. The ATM withdrawal fee at the AEON BANK is 150 Bhat, which is about 4.30 USD, still not exactly cheap though.

Withdrawing cash in Thailand

ATMs are everywhere: at the airport, banks, department stores or supermarkets. On small, local islands where there are no ATM's, you can oftentimes withdraw money at bigger resorts. You will pay a transaction fee for every withdrawal you make, usually of about 300 baht per transaction.

Exchange cash at an exchange office to get the best rates. Withdrawing cash using your card may cost you a fee. Hotel exchange desks will likely give you a poor rate. You will find a currency exchange office easily in any part of Thailand tourists frequent.

Visa, MasterCard, Cirrus or Maestro main cards accepted in Thailand hotels, restaurants and shops. They are also the two main cards accepted at ATMs. American Express is less popular and we don't recommend taking that as your main source of payment.

Taking cash & cards to Thailand

We recommend that you change some money into Baht on arrival and it is advisable to carry local currency in small denominations (20, 50 and 100 Baht notes) for tipping and the purchase of small items.

Any person who brings or takes an aggregate amount of foreign currency exceeding USD20,000 or its equivalent out of or into Thailand shall declare such amount of foreign currency to a Customs Officer.

How do I avoid international ATM fees? ›

These fees can be avoided by choosing a bank account that doesn't charge fees and reimburses out-of-network ATM fees and by always withdrawing local currency from ATMs. Account holders can also ask their home bank if there are partner branches or in-network ATMs in the destination country or countries.

Credit cards and debit cards are accepted in Thailand, though cash is essential for many purchases. Be sure to exchange your money when you arrive at the airport, as USD isn't accepted anywhere. Thankfully, ATMs are common, so you'll have no trouble pulling out the dough for your next delicious meal.

SCB (Siam Commercial) is probably the most commonly used banks for Thai people. For tourists it's a popular purple signed ATM with plenty available. Others: There are a few others including TMB and Kasikorn that all allow a maximum withdrawal of 20'000 THB, if your home country bank permits that amount.

All major credit and debit cards are accepted in large businesses, hotels and restaurants in Thailand. However, you might find that smaller stores and cafes don't take cards, so carry some cash on you at all times.

Bangkok Airport ATM's

There are ATM machines throughout the airport terminal once you have exited immigration and customs. There is a withdrawal fee of 220 baht. All Thai Banks charge the same fee except for Citibank & AEON. Citibank withdrawals are free for Citi cardholders but only at Citi ATMs.

If you use an ATM in Thailand that belongs to the bank that issued your ATM card, you won't have to pay a withdrawal fee if the ATM is in your province. Once you leave your province and use an ATM there, you'll have to pay a 15 baht to 20 baht fee per withdrawal.

It is recommended not to buy any Thai Baht before arriving in Thailand as the rates offered in Thailand are always better than you could get back home. Cash exchanges in Thailand incur no commissions or fees. However, you should avoid changing cash at hotels, hostels or guesthouses because you will get a bad rate.

Bank transfers are typically the cheapest way to get your money to Thailand. Remitly and Currencies Direct have some of the lowest bank transfer fees of the brands we've compared.

Cash or card? As Bangkok is a cosmopolitan city, you won't have any problem paying by card in the majority of the shops, restaurants and hotels. It's only when you go to smaller shops and more local places like street food stalls, a local market or getting tuktuks, it's useful to have cash in your pocket.

Which debit card is best for international ATM? ›

A passport and a boarding pass are required when you declare on the form. If you enter Thailand via land/sea, you will need to have cash of or equivalent to 20,000 Baht per person or 40,000 Baht per family.

It is important to note that US dollars may not be accepted everywhere, but the Thai Baht, being the official currency, will be accepted throughout Thailand.

Tipping is NOT customary in Thailand, there is absolutely NO mandatory requirement to tip anyone, but small gratuities for great service are very much appreciated. Unlike some other parts of the world, you will never see a Thai service provider with his hand out waiting for a tip.

Quick Tips to Travel in Thailand at a Low Cost

Budget travelers and backpackers can stretch their budget to $175-$245 weekly. With a budget of $350-$420, you can travel to multiple destinations, indulge in delectable international cuisine, and even stay in air-conditioned accommodations.

Living animals and carcass. Food, medicine, cosmetics and food supplement. Vehicle parts. Cigarettes, tobacco and alcoholic beverages.

A vacation to Thailand for one week usually costs around ฿28,531 for one person. So, a trip to Thailand for two people costs around ฿57,063 for one week. A trip for two weeks for two people costs ฿114,126 in Thailand.

The best way to get Thai Baht is to withdraw money in an ATM or exchange money before your trip/on arrival). I personally use ATMs to withdraw cash in Thailand as I'm not a big fan of exchanging money abroad, but some people prefer this, so we'll make sure to cover each topic in this guide.

The only way of reducing the bank charges is to get a travel credit card, and pay off asap. You can't avoid the 220 Baht ATM Fees, but you might be able to avoid fees by getting a Cash advance inside the Bank.

If you exchange your money at a currency exchange, you'll pay a premium on the international spot rate, as that's how the store makes a profit. If you exchange your money through a bank or by withdrawing the local currency from an ATM, you'll likely come out ahead, even if there are ATM or credit card fees.

How can I get around ATM fees? ›

Yes. Cards issued by U.S. Bank can be used in most foreign countries for transactions. If you're planning to travel and want to use your card, let us know. Call us at the number on the back of your card, or add a travel note to your account digitally.

Global Presence. You can connect to services from Bank of America from just about anywhere in the world.

All Wells Fargo cards should work internationally wherever the card's network is accepted – however, there's often a 3% foreign transaction fee, plus ATM withdrawal costs if you're overseas.

All major credit and debit cards are accepted in large businesses, hotels and restaurants in Thailand. However, you might find that smaller stores and cafes don't take cards, so carry some cash on you at all times.

Do I need to tell my bank I'm going abroad? Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away.

As long as your ATM or credit card has either a Visa or PLUS logo, you can withdraw cash at ATMs that are part of the Visa or PLUS network. How do I find an ATM in the country that I'm traveling to? Visa is accepted at over 200 countries and territories around the world.

How much can I withdraw from Bangkok bank ATM daily? ›

The withdrawal limit can be set at Baht 50,000, Baht 100,000, Baht 150,000, Baht 200,000, or Baht 500,000. The spending limit can be set at Baht 5,000, Baht 20,000, Baht 50,000, Baht 100,000 or Baht 150,000. For your limit adjustment, simply call Bualuang Phone 1333 or (66)2645 5555 (24/7).

How much money can you take out of an ATM in Thailand? The maximum withdrawal amount with a foreign ATM card is 20,000 Baht at most banks in Thailand, but this can vary depending on the bank and your own bank's withdrawal limits.

Using ATM's & Charges. Most of the ATM's can be used in Thailand with foreign bank debit and credit cards. They all have an initial ATM fee of 220 THB (yeah, keeps going up, quickly) as well as your bank charges which depends on the account you hold and what bank you are banking with (check this yourself).

Exchange rates are almost always better in Thailand, and a good strategy is to take enough local currency for your first day or so, and change the rest once you arrive.

Yes, you can use US dollars in Thailand.

Bangkok Airport ATM's

There are ATM machines throughout the airport terminal once you have exited immigration and customs. There is a withdrawal fee of 220 baht.

If you exchange your money at a currency exchange, you'll pay a premium on the international spot rate, as that's how the store makes a profit. If you exchange your money through a bank or by withdrawing the local currency from an ATM, you'll likely come out ahead, even if there are ATM or credit card fees.