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If you're planning a trip to Thailand, navigating ATMs in Thailand and their often high ATM fees can be challenging. No worry! Asia King Travel will offer a thorough handbook on what you need to know about cash machines in Thailand and smart ways to withdraw money and avoid unnecessary fees. Save these Thailand travel tips to enjoy a smooth, stress-free holiday without any unexpected surprises.
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ATMs are available almost everywhere in Thailand (Source: Hua Hin Today)
Generally, it’s safe for you to use ATMs in Thailand, especially in bank branches, malls, and minimarts where security personnel or guards are always on duty. However, still remain mindful whenever you transact at any of the cash machines to avoid any possible scams, especially when in tourist spots.
As the number one safety rule, never reveal your PIN to anyone, and always cover the keypad while entering your code. In case you believe that your PIN has been compromised or your card has been stolen or misplaced, coordinate with your issuing bank immediately to have the card blocked or cancelled.
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It is generally safe to use ATMs in Thailand (Source: Brand Inside)
We also highly recommend keeping your ATM card with your belongings at all times or locking it in your hotel room’s safe. It’s also a good idea to bring some emergency cash and a backup ATM card just in case. And remember to keep your backup and primary ATM card in separate places.
Absolutely! Thailand has around 60,000 ATMs spread across the country.
You can find ATMs in most towns and cities, especially in places like shopping malls, 7-Elevens, bank branches, and select street corners. However, it may be difficult to find ATMs in the lesser-known islands and rural areas of Thailand. If you have plans to go on a more “unconventional” or “less touristy” adventure here, we suggest that you withdraw some cash before embarking on your journey.
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ATMs may be less popular in remote areas (Source: kimkim)
Despite its convenience, using these cash machines may rip you off due to their transaction fees (around 6 USD). But don’t worry, we’re here to help! There is a thorough guide on how to withdraw money from an ATM in Thailand and some tips to avoid being charged ATM fees in case you need.
Read more: Transportation system in Thailand and important notes for tourists
In Thailand, major credit cards and ATM debit cards are accepted for most transactions, including UnionPay, American Express, Mastercard, and Visa. If your bank card isn’t on this list, we recommend checking the displayed logos on the specific ATM to see whether your card is supported.
To avoid unexpected problems, you should inform the bank that issued your card about your plan to travel in Thailand. This will let your bank know that your card will be used in a different country and prevent transactions from being blocked or tagged as “possible fraud”.
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Major credit cards and ATM debit cards are accepted in Thailand (Source: Merchant Maverick)
The ATM fees seem to be no big difference among banks in Thailand.
At present, Aeon Bank charges the lowest fee, which is 150 Thai Baht (THB). If you’re using a Mastercard or a Visa card, then the ATM for those currently stands at 220 THB per transaction. Do note that if you’re using a foreign bank card, you may be charged an additional foreign transaction fee for using an ATM overseas.
According to the locals and the current fee policy, AEON ATM is the best choice for your cash withdrawal needs. AEON ATMs will charge you 150 THB for every transaction, which is cheaper compared to other banks. However, it only allows a maximum amount of 20,000 THB. In case you need more than that, consider using other ATMs, such as Krungsri, which allows a daily withdrawal limit of 30,000 THB and a fee of 220 THB per transaction.
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AEON ATM offers a better transaction fee compared to other encounters (Source: Backpack Moments)
Each bank has its own policy and different fee ranges applied for using an ATM card. Therefore, if you have multiple ATM cards, we suggest checking the fees of each in advance to find out the most reasonable one.
In addition, using a debit card in Thailand is usually better than using a credit card. This is because your credit cards will classify withdrawals as cash advances, which commonly invite additional interest charges and higher fees per transaction.
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Check your cards’ terms and conditions to find out the most suitable one (Source: Dhaka Tribune)
You have to pay a transaction fee per withdrawal, so it’s wise to estimate the amount of money you need and withdraw it at one time. So you will reduce the number of fees paid per transaction.
During using ATM machines in Thailand, the ATM may give you the option of being charged in your home currency (with conversion) or being charged in the local currency (without conversion). Always choose “without conversion” to save your money.
Although using your home currency may seem satisfying and comfortable, the exchange rate offered by ATMs is often unfavorable and may include hidden fees. In contrast, “without conversion” choice processes the transaction in Thai Baht, usually at a better exchange rate, even with small foreign transaction amounts.
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Choose the option “without conversion” to save money (Source: Flickr)
Unlike other countries, ATMs in Thailand release money first and the card later. While being in a rush, you may forget to take your card back. Always remember to take your card after using ATMs in Thailand to avoid unwanted troubles.
Using a foreign card in Thailand will result in higher transaction fees compared to using an ATM card issued by a local bank. Therefore, opening a local bank account helps you avoid excessively high ATM fees and pricey foreign transaction fees applied by foreign banks.
However, there are some requirements and paperwork needed, depending on different banks. While most of the local banks require you to present a local work permit, some will just ask for your proof of local residence and passport to sign you up. Look for the second banks instead if you’re not gainfully employed here and just opening a local account mostly for convenience.
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Foreigners have to present some documents to open a bank account in Thailand (Source: Ask Chiang Mai)
Using ATMs while traveling is a great way to enjoy your retreat without worrying about running out of cash. May this blog of ATM Tips in Thailand answer all of your questions relating to withdrawing money in Thailand. If you’re ready to try out these tips, contact us now and let Asia King Travel guide you through a wonderful travel experience!
Read more: Thailand Travel FAQ: Answer to all Traveler’s question
