{"id":41911,"date":"2026-09-12T09:18:59","date_gmt":"2026-09-12T07:18:59","guid":{"rendered":"https:\/\/povnomad.com\/?p=41911"},"modified":"2026-09-12T10:25:20","modified_gmt":"2026-09-12T08:25:20","slug":"atm-fees-thailand","status":"publish","type":"post","link":"https:\/\/povnomad.com\/en\/atm-fees-thailand\/","title":{"rendered":"ATM fees in Thailand: \u0e3f250 with Visa, \u0e3f350 with Mastercard"},"content":{"rendered":"

Every ATM withdrawal in Thailand costs 250 baht with a Visa card and 350 baht with a Mastercard<\/strong>. That 100-baht gap has nothing to do with your bank at home \u2014 it depends entirely on which card you insert. And there is no way around the fee itself: every major Thai bank charges foreign cards the same amount. No fee-free ATM exists in Thailand.<\/p>\n

What Thai ATMs actually charge<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
Bank<\/th>\nVisa \/ Plus \/ UnionPay<\/th>\nMastercard \/ Cirrus<\/th>\nMax. per withdrawal<\/th>\n<\/tr>\n<\/thead>\n
Bangkok Bank<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f25,000<\/td>\n<\/tr>\n
Kasikorn Bank<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f30,000<\/strong><\/td>\n<\/tr>\n
Krungsri (Bank of Ayudhya)<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f30,000<\/strong><\/td>\n<\/tr>\n
Krungthai<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f20,000<\/td>\n<\/tr>\n
Siam Commercial (SCB)<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f30,000<\/strong><\/td>\n<\/tr>\n
Standard Chartered<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f20,000<\/td>\n<\/tr>\n
TTB Bank<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f30,000<\/strong><\/td>\n<\/tr>\n
UOB<\/td>\n\u0e3f250<\/td>\n\u0e3f350<\/td>\n\u0e3f30,000<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Figures as of 1 September 2026, from the POVNOMAD fee dataset. For Thailand the underlying source is ATM Fee Saver, single-sourced and not cross-checked against a second reference. American Express is usually only \u0e3f50. Krungthai charges no network fee for JCB cards. TTB also applies a \u0e3f200,000 daily cap. Fees and limits change \u2014 the figure shown on the ATM screen is what applies.<\/small><\/p>\n

This is the fee charged by the Thai<\/em> operator. Whatever your own bank adds for foreign withdrawals comes on top.<\/p>\n

The 100-baht question: Visa or Mastercard<\/h2>\n

If you are carrying both, use the Visa card. A hundred baht per withdrawal sounds trivial, but it compounds: six withdrawals over three weeks means 600 baht extra for exactly the same cash.<\/p>\n

American Express is the outlier in the other direction \u2014 most Thai banks charge only 50 baht. Acceptance is far patchier, though, and many Amex cards carry their own foreign transaction fees.<\/p>\n

The withdrawal limit matters more than the fee<\/h2>\n

Because Thai ATMs charge a flat amount per transaction rather than a percentage, your real cost is decided by how many times you have to withdraw.<\/p>\n

Say you need \u0e3f60,000 over two weeks. At Krungthai or Standard Chartered, capped at \u0e3f20,000, that is three withdrawals \u2014 \u0e3f750 in fees with a Visa card. At Kasikorn, Krungsri, SCB, TTB or UOB, capped at \u0e3f30,000, two withdrawals do it \u2014 \u0e3f500. A \u0e3f250 difference decided by nothing but which ATM you walked up to.<\/p>\n

So the rule is simple: withdraw the largest amount you can safely carry<\/strong>, and look for a machine with a \u0e3f30,000 limit.<\/p>\n

Colour codes: which ATM belongs to which bank<\/h2>\n

Thai ATMs are colour-coded, which makes them easy to spot from across a street. Yellow machines are Krungsri, green are Kasikorn, purple are Siam Commercial and blue are Bangkok Bank. All four charge the same fee; three of them (Krungsri, Kasikorn, SCB) allow the higher \u0e3f30,000 limit.<\/p>\n

Withdrawing at the airport<\/h2>\n

ATMs in the arrival halls at Suvarnabhumi, Don Mueang, Phuket and Chiang Mai belong to the same banks and charge the same fees. There is no airport surcharge on bank ATMs.<\/p>\n

Currency exchange counters in the terminal are a different matter \u2014 their rates are routinely worse than in town. Be wary, too, of standalone machines near the baggage belts that do not clearly belong to a bank; those can carry different terms.<\/p>\n

A practical routine on arrival: take one maximum withdrawal from a bank ATM, then top up in town as needed. You will want a data connection anyway \u2014 Grab and Bolt only work online.<\/p>\n

Decline the conversion<\/h2>\n

After you enter an amount, the machine may offer to bill you in your home currency and show what looks like a helpful exchange rate. This is dynamic currency conversion<\/strong>, and the rate is worse than your bank’s \u2014 often by several percent.<\/p>\n

The correct answer is always Continue in THB<\/em>, Without conversion<\/em> or Decline conversion<\/em>. The amount is then charged in baht and your own bank converts at the Visa or Mastercard rate.<\/p>\n

The screen is designed to make the home-currency option look like the safe one. It is not.<\/p>\n

What your own bank adds<\/h2>\n

The 250 or 350 baht applies regardless of who issued your card. On top of it, most banks charge a foreign transaction fee \u2014 commonly in the region of 1.5 to 3 percent \u2014 and some add a flat charge per withdrawal.<\/p>\n

Check two figures in your card’s terms before you travel: the foreign transaction percentage, and whether there is a fixed per-withdrawal fee. Cards marketed as travel or multi-currency products often waive one or both, but the Thai operator fee is charged either way \u2014 no card avoids it.<\/p>\n

How much cash you actually need in Thailand<\/h2>\n

Cards work reliably in hotels, malls, chain restaurants and larger shops. You need cash for street food, markets, songthaews, tuk-tuks, small temple entrance fees, massages and tips.<\/p>\n

For two weeks staying in mid-range hotels, a typical cash requirement is \u0e3f10,000 to \u0e3f20,000 \u2014 a single withdrawal at a \u0e3f30,000 machine. Island-hopping changes the maths: on Koh Rong, Koh Kood and smaller islands, ATMs are scarce and card acceptance is the exception rather than the rule.<\/p>\n

Why you want to be online at the ATM<\/h2>\n

Three things need a connection at the machine: your bank’s push approval, the live rate to check what you are being offered, and your balance if something looks wrong. If the machine debits your account without dispensing cash \u2014 which does happen in Thailand \u2014 you need your banking app immediately, not back at the hotel Wi-Fi.<\/p>\n

A POVNOMAD Thailand eSIM<\/a> starts at \u20ac2.90. You install it at home by QR code and the validity period only starts when your phone first connects to a network in Thailand. Unlimited plans include hotspot at no extra cost up to the daily allowance; after that the connection continues at 1 Mbps rather than being switched off.<\/p>\n

Why that one button is so expensive and what it is called on different screens is covered in With or without conversion?<\/a> \u2014 the ATM screens are reproduced there.<\/p>\n

Frequently asked questions<\/h2>\n
\n

How much does it cost to withdraw money in Thailand?<\/h3>\n

\u0e3f250 per withdrawal with Visa, Plus or UnionPay, and \u0e3f350 with Mastercard or Cirrus. Every major bank charges the same \u2014 Bangkok Bank, Kasikorn, Krungsri, Krungthai, Siam Commercial, Standard Chartered, TTB and UOB. American Express is usually \u0e3f50. Your own bank’s foreign transaction fee is charged on top. Figures as of 1 September 2026.<\/p>\n

Are there any fee-free ATMs in Thailand?<\/h3>\n

No. Every major Thai bank charges foreign cards the same operator fee, and there is no fee-free alternative. What you can control is the cost per euro or dollar: use a Visa rather than a Mastercard to save \u0e3f100, withdraw the maximum in one go, and choose a machine with a \u0e3f30,000 limit.<\/p>\n

What is the ATM withdrawal limit in Thailand?<\/h3>\n

Between \u0e3f20,000 and \u0e3f30,000 per transaction depending on the bank. Kasikorn, Krungsri, Siam Commercial, TTB and UOB allow \u0e3f30,000; Bangkok Bank \u0e3f25,000; Krungthai and Standard Chartered \u0e3f20,000. Because the fee is per transaction, a higher limit saves real money \u2014 withdrawing \u0e3f60,000 in two transactions instead of three saves \u0e3f250.<\/p>\n

Visa or Mastercard: which is cheaper in Thailand?<\/h3>\n

Visa. Thai banks charge \u0e3f250 for Visa, Plus and UnionPay, and \u0e3f350 for Mastercard and Cirrus. If you carry both, use the Visa card for ATM withdrawals. Over six withdrawals that is a \u0e3f600 difference for identical cash.<\/p>\n

What do I press at a Thai ATM?<\/h3>\n

Insert the card, enter your PIN, select an amount. The screen that matters is the currency question: if the machine offers to bill you in your home currency, decline it \u2014 choose “Continue in THB”, “Without conversion” or “Decline conversion”. The ATM’s own exchange rate is worse than your bank’s. Then confirm the operator fee shown on screen.<\/p>\n

What does the yellow ATM in Thailand mean?<\/h3>\n

Yellow machines belong to Krungsri, the Bank of Ayudhya. They allow up to \u0e3f30,000 per withdrawal and charge the same fee as everyone else. Green ATMs are Kasikorn, purple are Siam Commercial and blue are Bangkok Bank.<\/p>\n

Can I use my debit card at Thai ATMs?<\/h3>\n

Visa Debit and Mastercard Debit cards work at Thai ATMs and are charged the same as credit cards \u2014 \u0e3f250 or \u0e3f350 depending on the network. Domestic-only cards that do not carry an international scheme logo will not work. Check with your bank that international withdrawals are enabled before you travel.\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Every ATM withdrawal in Thailand costs 250 baht with a Visa card and 350 baht with a Mastercard. That 100-baht gap has nothing to do with your bank at home \u2014 it depends entirely on which card you insert. And there is no way around the fee itself: every major Thai bank charges foreign cards the same amount. No fee-free ATM exists in Thailand. What Thai ATMs actually charge Bank Visa \/ Plus \/ UnionPay Mastercard \/ Cirrus Max. per withdrawal Bangkok Bank \u0e3f250 \u0e3f350 \u0e3f25,000 Kasikorn Bank \u0e3f250 \u0e3f350 \u0e3f30,000 Krungsri (Bank of Ayudhya) \u0e3f250 \u0e3f350 \u0e3f30,000 Krungthai \u0e3f250 \u0e3f350 \u0e3f20,000 Siam Commercial (SCB) \u0e3f250 \u0e3f350 \u0e3f30,000 Standard Chartered \u0e3f250 \u0e3f350 \u0e3f20,000 TTB Bank \u0e3f250 \u0e3f350 \u0e3f30,000 UOB \u0e3f250 \u0e3f350 \u0e3f30,000 Figures as of 1 September 2026, from the POVNOMAD fee dataset. For Thailand the underlying source is ATM Fee Saver, single-sourced and not cross-checked against a second reference. American Express is usually only \u0e3f50. Krungthai charges no network fee for JCB cards. TTB also applies a \u0e3f200,000 daily cap. Fees and limits change \u2014 the figure shown on the ATM screen is what applies. This is the fee charged by the Thai operator. Whatever your own bank adds for foreign withdrawals comes on top. The 100-baht question: Visa or Mastercard If you are carrying both, use the Visa card. A hundred baht per withdrawal sounds trivial, but it compounds: six withdrawals over three weeks means 600 baht extra for exactly the same cash. American Express is the outlier in the other direction \u2014 most Thai banks charge only 50 baht. Acceptance is far patchier, though, and many Amex cards carry their own foreign transaction fees. The withdrawal limit matters more than the fee Because Thai ATMs charge a flat amount per transaction rather than a percentage, your real cost is decided by how many times you have to withdraw. Say you need \u0e3f60,000 over two weeks. At Krungthai or Standard Chartered, capped at \u0e3f20,000, that is three withdrawals \u2014 \u0e3f750 in fees with a Visa card. At Kasikorn, Krungsri, SCB, TTB or UOB, capped at \u0e3f30,000, two withdrawals do it \u2014 \u0e3f500. A \u0e3f250 difference decided by nothing but which ATM you walked up to. So the rule is simple: withdraw the largest amount you can safely carry, and look for a machine with a \u0e3f30,000 limit. Colour codes: which ATM belongs to which bank Thai ATMs are colour-coded, which makes them easy to spot from across a street. Yellow machines are Krungsri, green are Kasikorn, purple are Siam Commercial and blue are Bangkok Bank. All four charge the same fee; three of them (Krungsri, Kasikorn, SCB) allow the higher \u0e3f30,000 limit. Withdrawing at the airport ATMs in the arrival halls at Suvarnabhumi, Don Mueang, Phuket and Chiang Mai belong to the same banks and charge the same fees. There is no airport surcharge on bank ATMs. Currency exchange counters in the terminal are a different matter \u2014 their rates are routinely worse than in town. Be wary, too, of standalone machines near the baggage belts that do not clearly belong to a bank; those can carry different terms. A practical routine on arrival: take one maximum withdrawal from a bank ATM, then top up in town as needed. You will want a data connection anyway \u2014 Grab and Bolt only work online. Decline the conversion After you enter an amount, the machine may offer to bill you in your home currency and show what looks like a helpful exchange rate. This is dynamic currency conversion, and the rate is worse than your bank’s \u2014 often by several percent. The correct answer is always Continue in THB, Without conversion or Decline conversion. The amount is then charged in baht and your own bank converts at the Visa or Mastercard rate. The screen is designed to make the home-currency option look like the safe one. It is not. What your own bank adds The 250 or 350 baht applies regardless of who issued your card. On top of it, most banks charge a foreign transaction fee \u2014 commonly in the region of 1.5 to 3 percent \u2014 and some add a flat charge per withdrawal. Check two figures in your card’s terms before you travel: the foreign transaction percentage, and whether there is a fixed per-withdrawal fee. Cards marketed as travel or multi-currency products often waive one or both, but the Thai operator fee is charged either way \u2014 no card avoids it. How much cash you actually need in Thailand Cards work reliably in hotels, malls, chain restaurants and larger shops. You need cash for street food, markets, songthaews, tuk-tuks, small temple entrance fees, massages and tips. For two weeks staying in mid-range hotels, a typical cash requirement is \u0e3f10,000 to \u0e3f20,000 \u2014 a single withdrawal at a \u0e3f30,000 machine. Island-hopping changes the maths: on Koh Rong, Koh Kood and smaller islands, ATMs are scarce and card acceptance is the exception rather than the rule. Why you want to be online at the ATM Three things need a connection at the machine: your bank’s push approval, the live rate to check what you are being offered, and your balance if something looks wrong. If the machine debits your account without dispensing cash \u2014 which does happen in Thailand \u2014 you need your banking app immediately, not back at the hotel Wi-Fi. A POVNOMAD Thailand eSIM starts at \u20ac2.90. You install it at home by QR code and the validity period only starts when your phone first connects to a network in Thailand. Unlimited plans include hotspot at no extra cost up to the daily allowance; after that the connection continues at 1 Mbps rather than being switched off. Why that one button is so expensive and what it is called on different screens is covered in With or without conversion? \u2014 the ATM screens are reproduced there. Frequently asked questions How much does it cost to withdraw money in Thailand? \u0e3f250 per withdrawal with Visa, Plus or<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1934],"tags":[],"class_list":["post-41911","post","type-post","status-publish","format-standard","hentry","category-sim-guide"],"yoast_head":"\nATM Fees Thailand 2026: Every Bank Compared - POVNOMAD - Your Travel Companion<\/title>\n<meta name=\"description\" content=\"Every Thai bank charges \u0e3f250 for Visa and \u0e3f350 for Mastercard. 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