How to avoid ATM charges in Thailand?

Thailand Travel Tips: How to Save on ATM Fees
  1. Tip 1: Check the terms and conditions of your ATM card.
  2. Tip 2: Withdraw the potential maximum amount.
  3. Tip 3: Always choose “without conversion”
  4. Tip 4: Don't forget your card.
  5. Tip 5: Open a local bank account.
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How to avoid ATM fees in Thailand?

Choose to pay in Thai Baht

If an ATM asks you what currency you want to be charged in, choose to pay in the same currency you're withdrawing. This will help you get better exchange rates and avoid DCC fees.
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Which ATM is best for cash withdrawal in Thailand?

Krungsi ATM will allow you to withdraw the most amount of cash at once from any ATM in Thailand ( 30.000 thai baht ) . Other ATM like Kasikorn or Bangkok bank only allow 20 or 25000 max .
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Is it better to exchange money or use ATM in Thailand?

Using Traveller's Checks in Thailand

However, even with larger denominations, the exchange rates are often not competitive, and you'll have limited options for where to cash them. For convenience and better value, most travelers now prefer to use ATMs and debit/credit cards.
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Can I use my UK debit card in Thailand?

You can use your debit card to spend or withdraw cash worldwide. Just use it in the same way you do at home, wherever you see the Visa symbol. We convert card transactions into pounds using the Visa exchange rate. When using your card abroad, you should select to pay in the local currency in order to get this rate.
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Which bank has no international ATM fees?

Best Banks With No International ATM Fees [2025]
  • Compare banks with no international ATM fees.
  • E*TRADE Max-Rate Checking.
  • Capital One 360 Checking Account.
  • Betterment Checking.
  • Schwab Bank Investor Checking.
  • Discover Cashback Debit.
  • Fidelity Cash Management Account.
  • USAA Classic Checking.
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How much is the ATM withdrawal fee in Thailand?

ATMs in Thailand tend to charge fees of around 220 THB (approx. £4.70 GBP) per transaction.
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Should I get baht before going to Thailand?

We recommend you bring enough local money only for the cost of your first day before your trip to Thailand. The exchange rate of Thai Baht is always better in Thailand, so you can just change your money after arriving in Thailand.
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Is it better to carry cash or card in Thailand?

Cash is still commonly used in Thailand, especially in more rural and remote areas. You'll be able to use a card in major cities, large hotels and restaurants and in touristy areas. However, it's always a good idea to have some cash on you for day-to-day spending.
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Does Thailand have contactless payments?

Whether you're shopping at a street market, dining at a restaurant, or booking a hotel room, you can use your Visa card to make a secure and hassle-free payment. Many merchants in Thailand also offer contactless payment options, allowing you to simply tap your card on the terminal to complete your transaction.
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Do you tip in Thailand?

Tipping in Thailand is not expected. Instead, a service charge will normally be added to your bill. The service charge will usually be declared on the menu if you're in a cafe or restaurant, for example, and is paid directly to the company rather than to an individual member of staff.
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Which Thai ATM is best for foreigners?

Several banks in Thailand are known for being more accommodating to international cardholders, including Aeon Bank, Bangkok Bank, Bank of Ayudhya (Krungsri), Krungthai Bank, and Siam Commercial Bank. You can also use ATMs in bank branches, shopping malls, post offices, and 7-Eleven convenience stores.
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What is the best strategy for avoiding ATM fees?

Use in-network ATMs

An ATM owned by your bank or within its partnered network (such as Allpoint or MoneyPass) won't charge out-of-network fees. Most banks provide mobile apps or websites with ATM locators to help you find nearby fee-free machines.
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Is Revolut good for Thailand?

The answer is yes, you can use the Revolut card for everyday spending in Thailand. You can use the card to pay for things in Thai Bahts with competitive exchange rates and low transaction fees. This guide walks through how you'll be able to use your Revolut card to help manage your travel spending.
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Is it better to buy Thai baht in the UK or Thailand?

Whether you should buy baht in the UK before travelling to Thailand is a personal preference. A lot of people feel better prepared to have local currency in hand when they arrive in a new country. It's very simple to order currency online in the UK and have it delivered to your home or a local bureau de change.
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Is 1000 baht a day enough in Thailand?

If you're going to relax and party in the Islands, then consider a minimum budget of 900 Baht a day (on 1500 Baht a day you can enjoy much better).
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Should I take English cash to Thailand?

Taking cash & cards to Thailand

Western currencies can easily be changed all over the country. 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.
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Can you use Monzo in Thailand?

Yes, Monzo can be used for online purchases in Thailand wherever Mastercard is accepted. Are there any fees for using Monzo in Thailand?
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Can you use Revolut at an ATM?

All ATM withdrawals are subject to our cash withdrawal fee. As part of our plan benefits, this fee is waived for a certain amount of withdrawals each rolling month, depending on your plan. You can increase your fee-free limit by upgrading to a higher-tier plan. A 2% or €1 fair usage fee applies thereafter.
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How to withdraw money abroad without charges?

Generally speaking, a debit card or prepaid travel card is the best way to withdraw cash abroad, as long as you choose one that doesn't charge fees for doing so.
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Which UK banks do not charge international ATM fees?

Starling Bank, Monzo, and first direct are some of the top UK banks with no foreign transaction fees. There are alternative providers in the UK that offer low-fee international spending with additional benefits like no-markup exchange rates.
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Which Visa debit card has no international fees?

With no international transaction fee on international purchases, a NAB Platinum Visa Debit card lets you make the most of your money when shopping overseas and online, so you can spend your money on the things you want.
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Which bank has the cheapest ATM fees?

  • Alliant Credit Union: Best credit union for free domestic ATM access (tie).
  • Axos Bank: Best online bank for free domestic ATM access (tie).
  • Charles Schwab Bank: Best bank for free worldwide ATM access (tie).
  • Capital One: Best online bank for free international ATM access (tie).
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