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You are here: Home / Work & Money / Using ATMs in Thailand: Fees, Withdrawal Limits, Locations

Using ATMs in Thailand: Fees, Withdrawal Limits, Locations

If you're traveling here for a holiday, or planning on living here for work or retirement, one of your first considerations will be money – primarily exchanging it and withdrawing it at ATMs in Thailand.

In this post, I'll break it all down for you, so that you won't ever get caught short without cash, and not spend more on fees than you need to.

I'll also reveal a secret tip that will get you a better exchange rate and save you money.

Where Are ATMs Located in Thailand?

The good news is there are plenty of ATM machines.

At the airports, in malls, at 7-11s and other convenience stores, and of course at the banks themselves. You won't have trouble finding one.

That being said, rural areas will obviously have fewer ATM locations.

If you find yourself in a village at night with just one ATM outside the local 7-11, you may have to drive to one.

So when visiting rural areas and remote islands, make sure you have enough cash on you for a couple of days.

To locate ATMs for the five biggest Thai banks, use the links below to visit their ATM locator pages:

  1. Bangkok Bank
  2. Krungthai Bank
  3. Aeon Bank
  4. Bank of Ayudhya (Krungsri)
  5. Siam Commercial Bank

Will My Debit / Credit Card Work in Thailand?

The ATMs in Thailand will work with Visa, MasterCard, Maestro, and Cirrus cards.

The easiest way to find out if your card belongs to one of these networks is to check on the card itself and see whether it has the logo on it. Alternatively, call your bank and they will tell you.

When you use an ATM, you will see logos on the machine noting the types of card it accepts.

If that isn't the case, use the Visa ATM locator or the MasterCard ATM locator to find an ATM that works with your card.

ATMs in Thailand work with both chip-and-pin type cards, and with cards that have only the magnetic stripe on the back.

Both four-digit and six-digit PIN numbers will be accepted.

Is it true that withdrawals are blocked sometimes?

This can happen. The main reason is that your bank blocks the transaction, believing it to be fraudulent because it is taking place in a foreign country.

The best way to avoid a block is to phone your bank before you travel and let them know that you will be in Thailand. They will lift any restrictions for you prior to travel.

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).

In terms of fees, it works out cheaper to do one large withdrawal over a number of small transactions.

Make sure you check with your bank to see what your card's withdrawal limit is before you travel.

What Are the Fees for Thai ATMs?

You might be surprised to know that compared with money exchanges, Thai ATM machines give you a decent exchange rate.

But, and I stress but, only if you select the option to be charged in the local currency, which is Baht (฿).

And this is the secret tip I mentioned at the start of this post.

Withdrawals from ATMs in Baht are converted using the mid-market rate. This is the fairest exchange rate possible.

The mid-market rate is derived from the mid-point between what the buyer is prepared to pay and what the seller is prepared to sell for.

If you select the option to be charged in your home currency, the ATM will make up an exchange rate using a process called Dynamic Currency Conversion.

This is a a process whereby the amount of a Visa or MasterCard transaction is converted by a merchant or ATM to the currency of the payment card's country of issue at the point of sale.

This is always a bad deal. So always select no to this option.

You should also choose “no” to the home currency charge when paying by debit or credit card in a restaurant or shop.

Withdrawal fees

Withdrawal fees from Thai ATMs can clock up a fair sized bill over the course of a holiday.

The large majority of banks charge ฿200 (approximately $6) per transaction for withdrawals with a foreign bank card.

Some banks such as Aeon Bank charge less, at ฿150 per transaction (approximately $4.50).

And that's not all.

Your home bank will also charge fees for a foreign withdrawal.

So you will pay a local fee and a “back home” fee. This could mean you will pay up to $8-10 per transaction!

How to Avoid Thai ATM fees

1. Find out if your bank has a corresponding bank

None of the banks in Thailand are part of the Global ATM Alliance.

However, your home bank may still have a relationship with a Thai bank that allows for free withdrawals or cheaper fees.

Call your bank to find out.

One bank of interest to some readers might be Citibank. This international back has many ATMs in Thailand where customers can get free withdrawals.

Some foreign banks may have corresponding arrangements with Citibank too, so enquire with your bank.

2. Check your card’s terms and conditions

Banks offer different cards with different terms. Some offer cheaper foreign transactions and some may waive them altogether.

This will help you avoid the home bank fee but not the local Thai ATM fee.

Using a debit card instead of a credit card is cheaper because credit card companies treat withdrawals as cash advances, which have a higher transaction fee.

3. Use a bank teller

The simplest way is to avoid ATMs is to use a human instead, at the bank or at a currency exchange desk. You can also bypass the withdrawal limit.

Note that you may still get hit with a fee from your home bank.

4. Choose to be charged in local currency

As covered previously, you will save money if you choose to be charged in the local currency and not your home currency.

So many people make this error and end up getting ripped off on the exchange rate.

5. Use Krungsri or Aeon for cheaper fees

At ฿150 per withdrawal, Krungsri and Aeon are cheaper than the other banks. It's not much of a saving but it all adds up over time.

6. Use a Thai ATM card

If you're a regular visitor to Thailand, or going to live there, then you should consider opening a bank account and getting a local Thai debit card.

Thai debit cards are usually free when using an ATM of the same bank, and around ฿10 to ฿20 to use a different ATM.

Having a local ATM card helps you avoid fees, except those you will incur when transferring money to your Thai bank from abroad.

These fees can be heavily reduced, though. See below.

7. Use Wise to avoid all fees!

If you are going on holiday to visit a partner, a family member or friend, you can use Wise to send money to their account and then have them withdraw it first.

Of course, it would need to be someone close to you that you trust.

Wise enables you to send money to Thailand at the mid-market exchange rate and without any bank fees. They just charge a small fee for the transaction.

They avoid fees because your money is received and sent locally in both your home country and in Thailand, meaning those evil international fees vanish into thin air.

It's the cheapest and fastest way to send money to Thailand.

If you are going to live in Thailand, for work as a teacher or as a retiree, you will want to set up a Thai bank account.

You can then use Wise for regular transfers to your Thai bank, and then withdraw the money using your ATM card and pay zero fees (or a nominal fee when withdrawing from third party ATMs).

+ Read more about Wise here

More Money Saving Tips

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+ You should have. Get a quote on international cover here.

Need to send money to Thailand?

+ Go here to find out the cheapest way. Everyone is using this

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Last Updated on May 11, 2022

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Comments Sort by : newest | oldest

  1. Alan K says

    January 9, 2023 at 9:38 pm

    I am using a Wise card, preloaded, and when needed, topped up with Thai Baht. If you use it in an ATM, no matter what bank, you will get hit with 220 Baht commission, equating to about 10 Aussie dollars, so hefty slug, no matter what amount of Baht you want to withdraw. However, if you go into the bank to make an over-the-counter withdrawal with your Wise card, you will pay zero commission. To do this, you will need your passport as they will take photocopies of passport and card, and get y up to enter your PIN. There is no drama with this other than in my experience the bank workers work at their own pace in Bangkok, and you can easily be waiting for half an hour. Currently however in Ao Nang, Krabi, it’s walk in and out in five minutes.
    Reply

    Jan 09, 2023 at 9:38 pm

  2. Kim says

    January 9, 2023 at 10:36 am

    Re: Blocked withdrawals

    I just experienced this on Ko Lanta. Of the cluster of atms near the ferries, I spotted only 4, 3 of them were non-operational and my card was blocked on the remaining one. Unfortunately, I arrived on Sunday so the two (? I only saw the Siam Commercial Bank) banks weren't opened (the SCB atm outside the building was not working).

    I contacted my bank and was told there was no hold on my account and the best way to resolve this was to go to a bank and deal with a teller because the block was on the Thailand end.

    Unfortunately, I was cash poor after taking a tuk tuk to my hotel near Nui Beach, which doesn't have a lot of amenities. The tuk tuk driver stopped at another ATM maybe 10-15 minutes from the pier, but my card was blocked there as well. I kept an eye out for any atms closeby. There was an SCB one that was a 25-minute walk from where I was staying. Thankfully, I was able to pull cash out from that machine the next day. I read a few other accounts of people having issues with withdrawing money, but trying different atms usually resolved it.

    I'm just putting this here because this page was one of the first to come up when I was trying to see if anybody else had issues with the atms in Thailand.
    Reply

    Jan 09, 2023 at 10:36 am

    • TheThailandLife says

      January 9, 2023 at 5:10 pm

      Hi Kim, thank you for reporting your experience. It does happen occasionally; I've it happen a handful of times over the years. Always best to carry a few thousand Baht to see you through when traveling as you are. As a rule of thumb, I try to use only the ATMs attached to bank branches, just because I feel they are likely to be more secure.
      Reply

      Jan 09, 2023 at 5:10 pm

  3. AlanK says

    December 13, 2022 at 2:54 am

    Hi Peter. Great info. I am about to load up my Wise card I've got here in Australia with Baht. Two questions - is this a good idea? And, using a card loaded with Baht to withdraw Baht, will I still get hit with the 200/220 ATM fees? Thanks.
    Reply

    Dec 13, 2022 at 2:54 am

    • JamesE says

      December 13, 2022 at 5:17 am

      Depends on which way the exchange rate is moving vs the AU$. If the trend is more favorable to the Baht then stock up and if it's more favorable to the $ then wait. It won't be much money in either case but it could be a free lunch. Yes, the ATM fee is charged by the Thai bank and won't be reimbursed by Wise. You can minimize its effect by taking out larger amounts when you hit the ATM.
      Reply

      Dec 13, 2022 at 5:17 am

      • Graham Johnson says

        January 9, 2023 at 5:25 pm

        Use the Wise card for purchases to save your notes, you will get hit with a fee if you withdraw from the ATM but can be a life saver if desperate for cash,
        .
        Reply

        Jan 09, 2023 at 5:25 pm

  4. Jack says

    December 10, 2022 at 11:22 am

    regarding; 3. Use a bank teller;
    1; does the bank offer visa/mastercard rates?
    2; doesnt currency exchange desks offer worse rates than visa/mastercard rates?
    Reply

    Dec 10, 2022 at 11:22 am

    • JamesE says

      December 12, 2022 at 3:47 am

      1: No, you'll get screwed by the bank, unless you do a cash advance in Baht, then you'll be screwed by your credit card with a cash advance fee which is typically a % of the total amount.

      2: Yes. Much worse.

      IMO, if you're just visiting for a short time, then get an ATM card at home that has no foreign transaction or ATM use fees. You'll still get hit by the ฿220 fee from the Thai bank but at least the damage will be limited. Better still is to get one that reimburses any ATM fee you're charged (if you can find one).
      Reply

      Dec 12, 2022 at 3:47 am

      • Jack says

        December 12, 2022 at 6:00 am

        1. what is "cash advance"? my debit card has no fees worldwide.
        2. i rarely use atm. im a card person :) i remember that citibank had zero fees during 2015.

        if i have cash in my own currency, ill exchange it at the green colored Superrich.
        Reply

        Dec 12, 2022 at 6:00 am

        • Brian says

          December 12, 2022 at 5:50 pm

          Cash advance means using your credit card at an ATM to get cash. They will immediately start hitting you with the interest and it's the last thing that gets paid off on the card if you don't pay off the entire balance. Don't ever use a credit card to get cash.

          Citibank doesn't charge fees but the local ATM will. Those local ATM fees will destroy any benefit over the convenience. However, I have a CitiGold account and they pay back those local ATM fees after 30-60 days so using an ATM actually gets me the money market rate at zero cost, thus beating the next best value which is trading money at money changers. You need a $200k average balance for the CitiGold status so it's not usually an option for most. I recommend bringing cash and using money changers and credit cards for any transaction where you CAN use a credit card.
          Reply

          Dec 12, 2022 at 5:50 pm

          • JamesE says

            December 12, 2022 at 11:51 pm

            This is really the way to do it if you can find a bank in your home country that will reimburse ATM fees. In the US the three I'm familiar with are Citi, Schwab, and Fidelity. Schwab, the one I use, doesn't have a balance minimum. There are probably others.

            "Cash advance" - Brian is correct but sometimes your debit card acts like a credit card, too, that's why it shows your network on the front. So, if you take your debit card to a teller or exchange desk they will run it as a cash advance into the network. Unlike the ATM out front, though, the local bank will do the exchange - bad - and you may get hit with a counter fee.
            Reply

            Dec 12, 2022 at 11:51 pm

  5. Alan K says

    November 6, 2022 at 8:20 am

    Hi there. Thanks for the info. Re the withdrawal limits you mention, am I right to assume that these are DAILY limits? Probably a dumb question, but better to be sure. Thanks.
    Reply

    Nov 06, 2022 at 8:20 am

    • TheThailandLife says

      November 6, 2022 at 6:59 pm

      These are per transaction limits. Some banks do have a daily limit such as Krungthai which has a 50,000 p/day limit.
      Reply

      Nov 06, 2022 at 6:59 pm

      • Alan K says

        November 7, 2022 at 1:52 am

        Ah, thank you. Just as well I did ask my "dumb" question :)
        Reply

        Nov 07, 2022 at 1:52 am

        • TheThailandLife says

          November 7, 2022 at 4:12 am

          Not at all. I'll update the article to make it clearer.
          Reply

          Nov 07, 2022 at 4:12 am

  6. Johnathan Scott Elliott says

    September 29, 2022 at 10:05 am

    I've noticed many excellent conversations on this site and have enjoyed reading and learning from them. My question: How can I post a question that can be addressed by either Peter or others in the community rather than joining an existing conversation?
    Reply

    Sep 29, 2022 at 10:05 am

    • TheThailandLife says

      September 29, 2022 at 9:58 pm

      Welcome Johnathan. You can post your question under the relevant article. For new questions please use the 'leave a reply' box at the bottom of the comments section. To reply to someone, hit reply on their comment.
      Reply

      Sep 29, 2022 at 9:58 pm

  7. Brian Duda says

    July 31, 2022 at 4:14 pm

    I found the absolute best way: Having a US Bank that has a branch in the country you're visiting. I did a withdrawal via ATM using my CitiBank ATM card at a Citibank ATM. They gave me the exact exchange rate with NO FEES. I couldn't believe it at first but I've since verified with several transactions. This only works at the ATM though. If you try to go to a teller they will give an exchange rate with 1-2% commission.

    The only caveat to this is they have limited branches in Asian countries. I did my transactions in Cebu. They have one branch in Manila and one branch in Bangkok. I don't usually go to Bangkok so it'd be an inconvenience/cost to travel to the city just for a small amount of money. But if you're taking out a large amount or just happen to be nearby, it's a deal.

    The other likely issue is daily withdrawal limits. I had read I had a limit of $2000 but I was able to take $5000 before I decided I had enough cash for my test run. I may not be limited because I have a gold account, which requires a large monthly average balance to maintain. Other account types may be limited to $1000-$2000 per day.
    Reply

    Jul 31, 2022 at 4:14 pm

  8. Don says

    July 30, 2022 at 5:24 pm

    I live in the Philippines 20years, my best way is by check it's locked for 30 days but I get charged $5:00 other way would be wise which you can send money in both currencies.
    Reply

    Jul 30, 2022 at 5:24 pm

  9. John says

    June 16, 2022 at 2:24 pm

    Thanks for this.
    I live in Cambodia and often travel to Thailand.
    Is it possible to open a bank account in Thailand without a permanent address?
    Reply

    Jun 16, 2022 at 2:24 pm

    • TheThailandLife says

      June 16, 2022 at 5:40 pm

      You'll need a residential address for a standard savings account, with Bangkok Bank for example. Do you have a Thai or expat friend that's happy for you to use their address?
      Reply

      Jun 16, 2022 at 5:40 pm

      • John says

        June 16, 2022 at 5:46 pm

        Good to know, thanks - I'll find one then...
        Reply

        Jun 16, 2022 at 5:46 pm

  10. Brian Duda says

    June 10, 2022 at 12:11 am

    I just want to give a rundown on how ATMs compare to other means of exchanging money. I did an ATM transaction this evening and the machine offered me a rate of 1 USD = 32.4762 (awful). The actual transaction using USD gave me an effective rate of 33.88 after paying the 220 Baht fee on 30,000 baht withdrawn. This to me is still pretty bad with the rate listed on google as 34.55 and TT Currency exchange is 34.35 and Super Rich is 34.40. The craziest part is Wise, which is a service you can use to transfer money to someone in Thailand (including yourself if you have a bank account) came to a rate of 33.98 for the 30k baht. If the ATM can't beat the rate of a money transfer service you'd use for sending money to someone else, then I would only use it if I absolutely had to. In the end, it's always best to bring cash and use reputable money changers. My bank is Citibank so it's possible that they're just charging a horrible exchange but I doubt other banks will do a whole lot better.

    Here's the commission fee as a percentage basis against the google rate of 34.55:

    ATM = 1.94%
    TT Exchange = 0.58%
    Super Rich = 0.43%
    Wise = 1.65%

    I think putting the commission rate as a percentage really gives a full view of how much the ATM screws you.
    Reply

    Jun 10, 2022 at 12:11 am

    • Graham Johnson says

      September 28, 2022 at 2:48 pm

      When I use Wise I always get a slightly marginal better rate than the mid rate so I don't see why they offered you an inferior rate.
      Reply

      Sep 28, 2022 at 2:48 pm

      • JamesE says

        September 28, 2022 at 7:49 pm

        I did a transfer on Monday that showed this as well. I used Wise and got mid-market with about a .65% fee. Worked out to about 37.65. At the same time Super Rich was quoting 37.68 as their US$100 rate. I think the market thinks this dollar run up has got some legs.
        Reply

        Sep 28, 2022 at 7:49 pm

        • Brian Duda says

          September 28, 2022 at 8:42 pm

          Yes, when exchange rates are moving quickly, the money changers might lean more favorable in that direction. Years ago when the dollar was falling, I tried to "ring the bell" with TT Exchange and they said they couldn't offer a better rate than their listed because of that.

          Also, keep in mind that Wise is "guaranteeing" their rates. So they might be a little lagged behind the changes. I've noticed this with my credit cards also which offer the market rates but on the day or so of rapid increases, it will have lower rates. I haven't observed them during a decline though so I am not sure if it works both ways.

          I think we're going to see the USD continue to rise through the year unless the Fed suddenly reverses course but that is unlikely. More likely would be another country bumping up their rates faster than expected but I don't think you're going to see Thailand do that considering the economy has really struggled from Covid. The USA will be in their shoes in a couple of years when everything flips on us.
          Reply

          Sep 28, 2022 at 8:42 pm

          • JamesE says

            September 28, 2022 at 11:41 pm

            One of the other things is that Wise stopped guaranteeing their rates. Not just on ฿ but Euros and Sterling as well. They say it’s due to market volatility.
            Reply

            Sep 28, 2022 at 11:41 pm

            • Brian Duda says

              September 29, 2022 at 11:27 pm

              It says guaranteed on mine for sending to another person.
              Reply

              Sep 29, 2022 at 11:27 pm

              • Graham Johnson says

                September 29, 2022 at 11:30 pm

                Mine still does the same as of 2 days ago
                Reply

                Sep 29, 2022 at 11:30 pm

        • Graham Johnson says

          January 9, 2023 at 5:22 pm

          Wise exchange rate is changing with the market whilst the Super Rich rate stays the same most of the time unless a big swing either way occurs
          Reply

          Jan 09, 2023 at 5:22 pm

  11. David says

    October 23, 2021 at 5:51 am

    Hi

    Like your site. Question, I'm going to thai in Dec for hopefully 3 months. What's the best way to send money to myself while there? What's procedure? I did get a Schwab debit card which reimburses all ATM fees when used but the transfers between my main bank and schwab to increase balance takes days and sometimes can't wait days. My concerns with using transferwise or remitly is that they usually send texts to approve transactions and my text # won't work in thailand. I'm from usa by the way. Thanks so much if you can help
    Reply

    Oct 23, 2021 at 5:51 am

    • JamesE says

      October 23, 2021 at 12:16 pm

      Your best plan of action (IMO) takes three things: First - Get a US # that works in Thailand without having to pay an international use fee. I use T-Mobile and get unlimited data (2G) and texts included in my plan ($30/month). As part of this I'd also suggest getting a dual-SIM phone so you can have your US and Thai numbers on the same device. (You could also look into a VOIP solution - I use VOIP.ms - that supports texts. They're really cheap and work well.) Second - I think your Just-In-Time funding model may need a bit of refinement. You might want to preload some money into your main account (Schwab or Wise) so that will always be ready and then top up the amount slowly to get ready for the next time. I use Wise and don't get texts to approve any transfers. (I do get a 2FA push to my mobile app but that doesn't depend on a phone #.) I've heard good things about Schwab but don't have any direct experience. Third - Look more at Wise's Multi-Currency account. You can keep balances in any supported currency and move to Baht when the FX rate is right. Couple that with a Wise debit card and it might be a good solution for you.
      Reply

      Oct 23, 2021 at 12:16 pm

      • David says

        October 24, 2021 at 7:13 am

        Thank you James. I'm with Verizon currently. I think I have a unlocked dual sim phone. Does this mean I simply continue my same plan with Verizon in USA and then simply buy a 2nd sim once in thailand in order to make and receive calls and texts in both countries? Is this a good way around being on a Verizon international plan? Those are ridiculously priced. Sorry I'm not very phone literate hence what might be stupid questions. Thanks much
        Reply

        Oct 24, 2021 at 7:13 am

        • JamesE says

          October 24, 2021 at 8:32 pm

          Yeah, Verizon will be an issue cost-wise. I think it was costing my daughter like $5/day when she was over here. Check and see what their current international roaming charges are. Might be cheaper than getting a different plan. If you don't need Verizon then you could always port the number to a different cellular provider that includes international. But, yes to your question. Having an active US and local SIM will allow you to receive calls (or at least voice mail and texts) on your US number when in Thailand. And vice versa if you keep your Thai number active when in the US.
          Reply

          Oct 24, 2021 at 8:32 pm

          • DAVID says

            October 28, 2021 at 2:50 am

            Hi
            It's important to me that I keep my same numbers as USA for emergencies from home or if banks or cc company's need to reach me. Seems all the big carriers expensive. I've seen pretty good reviews on Google Fi for intl travel. Has anyone got experience with them in thailand? Data speed etc?
            Reply

            Oct 28, 2021 at 2:50 am

  12. Martin1 says

    May 12, 2020 at 12:10 am

    Dear Peter,

    that is a great and worthwhile reading article.

    I have a few additions and corrections though (like Martin1 always has ;-) ), and you might consider another update.

    1. withdrawal limits: Actually they are not daily. It depends on the ATM type how many bill it can dispense per time (Most are indeed limited to 20 bills per withdrawal, Krungsri can dispense 25 - 30 bills per time, TMB too. Be it 100, 500, or 1000 THB banknotes). Someone claimed Citi can dispense 50.000 per withdrawal.
    I couldn't verify it, because the are other things: network and bank withdrawal limits (e. g. some VISA cards are limited to 300 USD/GBP/EUR per withdrawal and/or day, others allow up to three withdrawals per day. Some have a limit of 2000 EUR/week.) Check with your card issuer before traveling to Thailand!
    If neither the network nor the issuer limits you, you could literally empty your bank account on one day. Thai ATMs allo you to do several withdrawals per day - but the *%$/&*** fee applies every single time. :-(((

    2. The fee has been increased since some tie to 220 THB. :-(((
    It is correct that AEON stays the only ATM provider who charges "only" 150 THB.
    (They have on catch, though: they dispense only 1000 THB banknotes - but that should not be too much of a problem.)
    I have done large research on this, as the %*§$*&&*** fee really makes me angry!!! I have tried the ATMs of ALL banks Thai banks, be they domestic or foreign banks, in regards of both maximum withdrawal and fees (for foreign cards). Some banks (like LH Bank) do not accept foreign cards, other banks (like EXIM bank) do not have ATMs, and even the foreign, Chinese bank ATMS charge 220 THB each withdrawal.

    3. Doing cash-advance at a bank teller
    While it is true, what you write about the fees in Thailand when doing a cash-advance ALL of my debit and credit card have a huge damage for cash advances! (Like 2 - 5 % of the advanced amount).
    Anyone should clarify this point before traveling to Thailand if they to do such.
    I keep thinking that the cheapest option (fee-wise) is to bring cash (large bills) and to exchange it here into THB!

    My 2ct. So I hope I could help making your excellent articles even better! :-)

    Cheers!
    Reply

    May 12, 2020 at 12:10 am

    • TheThailandLife says

      May 12, 2020 at 3:49 am

      Thanks for your input. A friend also mentioned to me about the 220 Baht fee. It's ages since I used one! I've corrected that now. I wouldn't do a cash advance on a credit card, as like you say the fees can be high unless you have a card designed that offers low fees for foreign cash advances.
      Reply

      May 12, 2020 at 3:49 am

      • Graham Johnson says

        September 29, 2022 at 10:21 pm

        It still says 200 baht above so not corrected
        Reply

        Sep 29, 2022 at 10:21 pm

  13. Evelyn says

    May 9, 2020 at 1:21 pm

    hi! sorry that this isn’t related to the post, but I was wondering how to pronounce a Thai name that I came across and I can’t find anything that talks about how to pronounce this particular name- and I know Thai phonetics can be tricky.
    anyways, the name is spelled Priwsirikul, but I believe this girl goes by Priw. She’s really shy and we’ve been texting so I haven’t heard her say it aloud yet.
    Sorry for the trouble, and thank you for your help! I really just needed a phonetic spelling of this name so I could understand better. Have a great day! :)
    Reply

    May 09, 2020 at 1:21 pm

    • TheThailandLife says

      May 9, 2020 at 5:39 pm

      Hi Evelyn please post this comment on this page: https://www.thethailandlife.com/write-name-thai
      Reply

      May 09, 2020 at 5:39 pm

  14. James E says

    May 7, 2020 at 9:36 am

    Great info (as usual)! I did want to mention that my experience is that you won't get the mid-market rate when using (in my case a US) debit card for FX at an ATM. The actual rate you get is a pool rate where all the FX is combined into a very large interbank transfer. It's better than you would get by selecting $$ or Euros or Sterling but not up to the mid-market rate. Of course, your mileage may vary, and a lot will depend on the size of the bank you use in your home country and the ATM network you use in Thailand. Still, much better than SuperRich or a bank's FX desk.
    Reply

    May 07, 2020 at 9:36 am

    • TheThailandLife says

      May 7, 2020 at 6:55 pm

      Thanks for adding that info. It's usually pretty good for my UK bank cards but I never set my expectations too high!
      Reply

      May 07, 2020 at 6:55 pm

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