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    ATM Fee Guide
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    ATM Fees in Thailand

    Thai Baht (THB) • Updated April 2026

    Thailand charges 220 THB ATM fee on all foreign cards. Cards widely accepted in tourist areas. Street food is cash-only.

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    Tips for Thailand

    • • 220 THB ATM fee universal and unavoidable (fee-free Aeon ATMs are now rare/difficult to find)
    • • Cards in tourist areas
    • • Street food cash-only
    • • Decline DCC offers
    • • 7-Eleven has restricted credit card usage (often requires 200 THB minimum or restricts to local apps); carry cash for convenience stores
    ✈️

    Airport tips

    • • 220 THB fee at all ATMs
    • • Exchange rates poor at airport
    • • Grab/taxi may need cash
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Thailand, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    700-1,500 THB

    THB/day

    🏨 Accommodation300-600 THB
    🍜 Food & drinks150-300 THB
    🚌 Transport100-200 THB
    🎟️ Activities150-400 THB

    ≈ $21.80-46.72 USD

    Mid-range

    Hotels, restaurants, mix of transport

    2,800-5,800 THB

    THB/day

    🏨 Accommodation1,500-3,000 THB
    🍜 Food & drinks500-1,000 THB
    🚌 Transport300-600 THB
    🎟️ Activities500-1,200 THB

    ≈ $87.21-181 USD

    Luxury

    Premium hotels, fine dining, private transport

    9,500-26,000 THB

    THB/day

    🏨 Accommodation5,000-15,000 THB
    🍜 Food & drinks1,500-3,500 THB
    🚌 Transport1,000-2,500 THB
    🎟️ Activities2,000-5,000 THB

    ≈ $296-810 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Thailand.

    Credit card acceptance

    Moderate

    Good in tourist areas. Cash for local places.

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    You'll need cash for

    • • Street food
    • • Markets
    • • Tuk-tuks
    • • Small shops
    • • 7-Eleven (often restricted)
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    Cards usually accepted

    • • Malls
    • • Hotels
    • • Restaurants

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    All banks220 THB~6.50 USD5,000

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Bangkok Bank220 THB~6.50 USD1,200
    Kasikornbank220 THB~6.50 USD1,100

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