Money: How to Get Cash, ATMs & Currency

When traveling to Thailand, managing your money efficiently is key to a stress-free trip. Here’s everything you need to know about currency exchange, getting cash, and using ATMs to ensure you're always prepared with the local currency, the Thai Baht (THB).

1. Currency: Thai Baht (THB)

Thailand's official currency is the Baht (THB), and you’ll need it for most transactions, from street food purchases to hotel stays.

• Coins: 1, 2, 5, 10 baht

• Banknotes: 20, 50, 100, 500, and 1,000 baht

Make sure to always carry smaller bills (20s and 100s) for easier transactions in local markets, taxis, and street food stalls. Larger notes are best reserved for bigger purchases or hotel payments.

2. Getting Cash: Currency Exchange

You have a few options for exchanging your money into Thai Baht when you arrive in Thailand:

• At the Airport:

  • Most international airports in Thailand, such as Suvarnabhumi (Bangkok) and Phuket International Airport, have currency exchange booths available for quick service.

  • Tip: Airport exchange rates aren’t always the best, so it’s a good idea to only exchange a small amount here for immediate needs.

• Currency Exchange Shops:

  • For better rates, head to exchange shops in major cities. Areas like Siam Square in Bangkok and Nimmanhaemin in Chiang Mai are filled with competitive exchange services.

  • SuperRich and Vasu Exchange are popular chains known for offering good exchange rates.

• Hotels:

  • Some hotels offer currency exchange services, but these usually come with higher fees or less favorable rates. You’re better off finding an exchange shop or ATM.

3. Using ATMs in Thailand

ATMs are widely available in cities, towns, and tourist areas. They are a convenient way to get Thai Baht when needed, and you can usually withdraw cash using your international debit or credit card.

• ATM Fees:

  • Most ATMs in Thailand charge a transaction fee of about 150–220 THB per withdrawal (around $5–$7 USD). This fee is added on top of your bank’s international withdrawal fee.

  • Tip: Withdraw larger amounts to minimize ATM fees per transaction. However, be aware that daily withdrawal limits are usually capped at 20,000–30,000 THB per transaction (depending on your bank).

• Bank ATMs:

  • Siam Commercial Bank (SCB), Kasikornbank (KBank), and Bangkok Bank are popular ATMs with international card compatibility.

  • If you’re unsure whether an ATM accepts foreign cards, check the logos for Visa, Mastercard, or Cirrus.

• Avoid ATM Scams:

  • Stick to ATMs located in busy, well-lit areas, such as inside malls, banks, or popular tourist locations.

  • Be cautious of skimming devices on ATM machines and cover your PIN while withdrawing cash.

4. Using Credit and Debit Cards

Credit and debit cards are widely accepted in major cities, hotels, and high-end restaurants or shops, but don’t rely on them exclusively for smaller purchases.

• Visa and Mastercard are the most commonly accepted cards in Thailand.

• Smaller shops and street vendors often don’t accept cards, so always keep cash handy for those situations.

• When using cards, notify your bank before traveling to avoid your card being blocked for suspicious foreign transactions.

5. Mobile Payments

Mobile payment systems are becoming increasingly popular in Thailand, and many people use apps like LINE Pay, TrueMoney, or AirPay for quick transactions.

• QR Code Payments: You can also make payments by scanning QR codes at restaurants, cafes, and stores that support mobile payments.

• Tip: Make sure you have an internet connection or data plan if you plan to use these apps.

6. Handling Cash: Safety Tips

Carrying cash while traveling can be risky, especially in busy tourist areas. Here are some tips to keep your money safe:

• Use a Money Belt: Store your cash, cards, and passport in a money belt or neck pouch to keep them safe from pickpockets.

• Use Hotel Safes: When staying in a hotel, lock up extra cash and valuables in the hotel safe.

• Avoid Flashing Cash: In busy tourist spots, keep your cash and cards out of sight, especially when paying for street food or small purchases.

7. Cash Tips

• Tipping: While not mandatory, tipping is appreciated in Thailand. Small tips (around 20–50 baht) are common in restaurants, for taxi rides, and for hotel porters.

• Small Bills: Keep a mix of small and large bills to make tipping and small purchases easier.

Quick Tips:

• Currency Exchange Apps: Use apps like XE Currency to keep track of live exchange rates and avoid confusion when converting money.

• International Debit/Credit Cards: If you use your international debit or credit card to withdraw cash, make sure your bank supports international ATM withdrawals and notifies you about fees.

• Cash Withdrawal Limits: Some ATMs may have a lower withdrawal limit per transaction (typically around 10,000 THB), so be prepared to make multiple withdrawals if you need larger amounts.

With these tips in hand, managing your money in Thailand should be a breeze. Whether you're withdrawing from an ATM, exchanging currency, or paying with your card, Thailand’s system is set up to make sure you have the cash you need, wherever you go. If you need help finding specific places to exchange currency or withdraw money, feel free to ask!