Using ATMs in Thailand – Rates, Limits, and More (2024)

Want to withdraw cash from a bank with a foreign ATM card while you’re in Thailand? This article will guide you through the process.

Which ATM is the best for tourists in Thailand? Most banks in the country impose a standard fee of 220 THB (approximately $6) for foreign ATM withdrawals. However, AEON can be a cost-effective choice, with the lowest fee of 150 THB (approximately $4), making it the best choice for tourists using a foreign card.

What ATM cards work in Thailand

Thailand banks accept foreign ATM debit/credit cards from major suppliers such as VISA, Mastercard, American Express (AMEX), UnionPay, and JCB. 

Supported card types:

  • VISA
  • Mastercard
  • American Express
  • UnionPay
  • JCB

If your card type isn’t listed above, verify the supported card types on the ATM by identifying the displayed logos.

How much are Thailand ATM fees

When using a VISA or Mastercard, the ATM fee per transaction at most banks is currently 220 THB (approximately $6). However, AEON offers a more economical option with the lowest rate at 150 THB (approximately $4).

The fees for UnionPay and American Express are even lower, ranging between 50-150 Baht per ATM transaction.

Before finalizing a transaction, the ATM fee will be displayed on-screen, allowing you to decide whether to proceed or reject.

Additionally, your bank may impose a foreign transaction fee for utilizing your card in another country.

It’s essential to note that opting for currency conversion during the transaction may incur additional fees.

Thailand Bank ATM fees

BankATM fee (Visa / Mastercard)
Bangkok BankTHB 220
SCBTHB 220
KasikornbankTHB 220
KrungsriTHB 220
AEONTHB 150
UOBTHB 220
Thanachart BankTHB 220
KrungthaiTHB 220

Fees are subject to change – check the specific bank for the latest.

Thailand Bank ATM fees (AMEX & CUP)

BankAmerican Express (AMEX)China UnionPay (CUP)
Bangkok BankTHB 50THB 150
SCBTHB 50THB 150
KasikornbankTHB 50THB 150
KrungsriTHB 50THB 150
AEONTHB 150THB 150
UOBTHB 50THB 150
Thanachart BankTHB 50THB 150
KrungthaiTHB 50THB 150

Fees are subject to change – check the specific bank for the latest.

Where to find ATMs in Thailand

ATMs are readily available throughout Thailand, so accessing cash won’t be a hassle. Here’s where to look:

Bank branches: Major banks like Bangkok Bank, Krungsri, and Siam Commercial Bank have extensive ATM networks nationwide.

Convenience stores: Look for ATMs inside popular mini-marts like 7-Eleven, offering quick cash access on the go.

Airports: All major airports have ATMs to help you upon arrival or before departure.

Shopping malls: Most malls have ATMs, providing convenient cash options while you shop.

For pinpointing a specific bank’s ATM, utilize the following locators:

Withdrawal limits

In Thailand, most banks have a maximum withdrawal limit of 20,000 Baht for foreign ATM cards, although this can differ based on the specific bank and your bank’s withdrawal limits.

If you need to withdraw an amount exceeding the typical ATM limit, consider utilizing the counter withdrawal or cash advance service within a banking branch. This service allows withdrawals up to your card’s maximum limit, providing a convenient alternative for larger transactions.

Overview of maximum withdrawals per bank / per transaction

BankMaximum withdrawal (per transaction)
Bangkok BankTHB 25,000
SCBTHB 20,000
KasikornbankTHB 20,000
KrungsriTHB 30,000
AEONTHB 20,000
UOBTHB 20,000
Thanachart BankTHB 20,000
KrungthaiTHB 25,000
(max 50,000 p/day)

The maximum withdrawal is subject to change – check the specific bank for the latest.

Steps to withdraw through a Thai ATM

  1. Insert your card, select English as your preferred language
  2. Enter your pin
  3. Select the withdrawal option
  4. Select either savings (debit) or credit based on your card type
  5. Enter the withdrawal amount
  6. The ATM will present the fee required for the transaction. Either accept or reject the fee. (rejecting will cancel the withdrawal returning your card)
  7. If the ATM asks to use home currency conversion (DCC), reject this and select ‘without conversion’. Be warned, banks sometimes use tricky wording to get you to use conversion!
  8. If the transaction is successful, your money will be dispensed with the receipt.
  9. Card returned

ATM exchange rate in Thailand

Your card type (VISA, Mastercard, and UnionPay) determines the ATM exchange rate applied to a transaction.  The local Thai bank may also apply an additional exchange rate on top of the ATM fee alongside your bank’s foreign transaction fee.

Exchange rate calculators:

With or without conversion

You’re traveling to Thailand and want to avoid high fees when using your foreign ATM card, right? Here’s the key: always choose “without conversion” when withdrawing Baht.

Here’s why:

DCC (Dynamic Currency Conversion) might seem convenient, but it offers a worse exchange rate and often comes with hidden fees. The ATM operator sets the rate, which is usually unfavorably compared to what your home bank offers.

By choosing “without conversion,” your home bank handles the exchange rate, typically at a more competitive market rate. You’ll see the exact amount charged before you confirm the withdrawal.

Learn more about DDC in this video

Are ATMs safe in Thailand?

While generally safe to use, exercise caution regarding potential scams, particularly in tourist areas. Maintain security by covering your PIN and refraining from sharing it with anyone. Opt for ATMs within physical bank branches for added safety.

Always keep your ATM card in your possession, and if unable to do so, secure it in the hotel room’s safe.

When conducting ATM transactions in Thailand, it’s crucial to check for associated fees before confirming the transaction. Exchange rates and foreign card ATM charges can vary among banks, emphasizing the importance of being informed to manage costs effectively.

Also, prepare for the worst-case scenario by bringing a backup ATM card and emergency cash. Securely store your backup method separately from your primary ATM card.  

If your ATM cards are lost or stolen, or you believe your PIN has been compromised, call your bank immediately to cancel the card.

Best ATM to use in Thailand

If you’re looking for the best ATM options in Thailand based on fees and withdrawal limits. Here’s a quick breakdown:

For lower fees:

AEON: Charges a 150 Baht fee per transaction, 70 Baht cheaper than most banks. However, ATMs are less common. The most convenient one is on the 4th floor of Central World (near Chidlom BTS).

For higher withdrawal limits:

Krungsri: Offers a daily withdrawal limit of 30,000 Baht with a 220 Baht fee. This is ideal if you need more than 20,000 Baht at once.

Other factors to consider:

Convenience: SCB and KBank ATMs are more widespread than AEON, so they might be easier to find depending on your location.

Your bank’s fees: Check your home bank’s ATM withdrawal fees for foreign transactions. This might influence your decision.

How can I avoid Thai ATM fees?

Let’s be honest: paying 150-220 Baht ($5-$7) to withdraw your cash while abroad is a rip-off.  An alternative solution is withdrawing money directly at a bank branch counter to avoid the ATM fee.

Counter Withdrawal

A counter withdrawal or cash advance service with an international debit or credit card is available at most major bank branches nationwide. However, be aware that some banks will only allow this service with credit cards.

Currently, Bangkok Bank offers the service without a charge. Still, some banks charge up to 200 Baht per withdrawal, so before proceeding with the transaction, ask about fees and the maximum withdrawal limit. 

Remember that your card may have a foreign transaction fee/cash advance fee and a maximum withdrawal limit of less than the bank offers.

Required documents for counter withdrawal/cash advance

  • Valid Credit / Debit card in your name with signature 
  • Passport with the name matching your card

Steps to withdraw money cash using advance service

  1. Ask the bank representative for the cash advance service
  2. Inform the bank teller of your requirements (withdraw amount and local currency)
  3. Ask about the fees before processing
  4. Hand over your passport and card
  5. Documents will be photocopied and you’ll need to sign them
  6. The teller will action your transaction through a card terminal
  7. Enter card pin or require a signature

Thai bank cash advance withdrawal fee

BankFee
Bangkok BankFree
KasikornbankTHB 200
UOBTHB 200

The maximum withdrawal is subject to change – check the specific bank for the latest.

Other ways to take money into Thailand

Most international banks charge foreign transaction fees while using an ATM card abroad in Thailand.  To avoid additional traveling costs, open a local Thai bank account or sign up for a free multi-currency account with Wise.

Wise account

Are you tired of traditional banks’ high fees, opaque exchange rates, and limited features? Wise offers a compelling alternative with a unique set of benefits:

1. Global Reach:

  • Mastercard debit card: Spend, send, and receive money conveniently in over 174 countries.
  • Personal bank accounts: Hold and manage multiple currencies with ease.

2. Save on Fees:

  • Low currency conversion fees: Transparent and competitive rates, often significantly lower than banks.
  • Free ATM withdrawals: Enjoy up to 2 free withdrawals per month anywhere in the world.

3. Competitive Rates:

  • Mid-market exchange rates: Get the fairest possible rate, without hidden markups.
  • No markup on weekends: Unlike traditional banks, Wise charges the same rate 24/7.

4. User-Friendly App:

  • Manage your money on the go with a simple and intuitive app.
  • Track your spending, send and receive transfers, and convert currencies seamlessly.

5. More Than Just Banking:

  • Hold and manage over 40 different currencies.
  • Send and receive international payments quickly and securely.
  • Get a multi-currency debit card with Apple Pay and Google Pay support.

I use Wise to transfer money to and from my Thai account to avoid hidden SWIFT banking fees and currency exchange at a competitive market rate.  I recommend getting an account before you travel, even as a backup account.

Benefits of using Wise over conventional bank offerings:

Other notable app-based banks with zero transaction fees include N26 and Revolut.

Open a local Thai bank account

Frequent trips to Thailand? Skip the hefty foreign card fees! Opening a local bank account can be a smart move.

Benefits:

  • Free ATM withdrawals: Access your cash without international transaction charges.
  • Convenient top-ups: Use services like Wise for easy deposits directly from your home country.

Opening the account:

While some banks require a work permit, others might accept just your passport and proof of local residence. Research various options to find the best fit for you.

Remember:

  • Double-check eligibility requirements before your trip.
  • Compare bank fees and features to choose the most advantageous account.

Check with your preferred bank for required documents and requirements.

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Written by Nicky

Hi! 👋 I'm an expat who has lived, explored, and worked in Thailand for over 9 years. I started findyouthere.com to share the knowledge I've picked up over the years with travelers and expats alike. Find out more on our about page.

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