Thailand entices visitors with its diverse cultural traditions, fascinating history, and breath-taking natural scenery; it is famous for its lavish royal palaces, old ruins, intricate temples decorated with Buddha images, and lively street life. Thailand offers a wide variety of experiences, from the lively markets and nightlife of Bangkok to the peaceful beaches of Phuket and the verdant jungles of Chiang Mai. To have a smooth trip, you must be familiar with the local cash and cash and ATMs in Thailand, and the accepted payment options. Embrace the welcoming Thai people, savour their delectable cuisine, and discover the Land of Smiles with the help of this comprehensive book.
You may also enjoy reading Ultimate guide on how to save money for travelling in 2025.
Where can I find ATMs in Thailand?
In Thailand, you can find more than 60,000 ATMs. The top 8+ commercial and specialised banks that run these include both domestic and international institutions. If you need cash in Thailand, you’ll find plenty of ATMs in the larger cities and maybe even a couple in the smaller villages. Be prepared to be disappointed if you’re planning to visit remote islands.
You can find ATMs at:
- Important airports,
- Central plazas and markets,
- Main thoroughfares of all big cities,
- Commuter shopping centres,
- Food routes,
- Financial institution branches,
- A few office buildings.
It will be difficult to find ATMs in:
- Airports on smaller islands,
- Bus stations serving various regions,
- Lots of the islands,
- Outside of main thoroughfares in smaller towns,
- Places of worship,
- Remote resorts and retreats.
Best ATMs to use in Thailand for foreigners
The best ATMs for foreigners to use in Thailand are those owned by popular banks such as:
Bangkok Bank,
Krungsri,
Krungthai Bank,
Siam Commercial Bank, and
Kasikorn Bank.
Thailand is home to ATMs for some foreign banks, including HSBC and Standard Chartered. Note: No Global ATM Alliance or All Points Network banks exist in Thailand so do not rely on this.
Don’t accept conversion at ATMs and withdraw only in local currency
In Thailand, some ATMs may ask – Accept OR Decline Conversion (also known as With or Without Conversion, or Charge in THB).
- If you ‘Accept’ – ATM converts your money at ATM’s set exchange rate and you pay an extra % fee to the ATM for currency conversion also.
- If you ‘Decline’ – ATM will convert at exchange rate of the bank/card logo (Visa, Master, etc.).
So, to avoid extra fees while withdrawing cash in Thailand, select ‘Decline/Without’ Conversion or ‘Charge in THB’.
If you’d like to understand more, read ATM fees abroad: Charges to use cards at foreign ATMs explained.
Can I use a foreign debit or credit card at an ATM in Thailand?
Yes, many types of foreign cards are easily accepted at ATMs in Thailand.
For a detailed guide, read Money and Currency in Thailand.
What are the ATM opening hours?
ATMs – In most cases, yes, they are open around the clock, every day of the year 24×7. You should have no trouble getting to any of them at any hour of the day or night because many of them are self-contained ATMs.
What do they call ATMs in Thailand?
Just so you’re prepared, most ATMs in Thailand either carry the name of the bank on them or use the word “ATM” interchangeably.
PIN type
Most ATMs in Thailand only accept PINs that are four digits long. A 4-digit PIN is considered typical, though certain ATMs may allow longer ones.
In addition, many stores still employ antiquated technology that can’t process modern chip-and-pin cards without also reading the magnetic stripe. So be prepared.
Languages at ATMs in Thailand
There are two default language options for ATMs in Thailand: English and Thai. Chinese and Japanese may be available on occasion.
Not to worry if you can’t understand these languages. Get real-time translations by using Google Translate’s camera feature. Please take your time and not rush through the transaction because these translations are not always 100% accurate.
Do ATMs in Thailand work similarly as other countries?
Nearly all ATMs in Thailand are state-of-the-art that are similar to those in other leading countries in Europe, US, UK, India and China – both in design and functionality. After using these ATMs to withdraw cash, be sure to take your card with you because some of them fully insert it during the transaction.
Join the discussion, read and share cash related travel experiences on ATM Fee Saver’s Community Travel Forum at Money & Travel in South East Asia.
What currencies can I withdraw from ATMs in Thailand?
ATMs in Thailand dispense only the official currency Thai Baht (THB).
ATM withdrawal limits in Thailand?
ATMs in Thailand have a maximum withdrawal limit per transaction of THB 20,000 to THB 30,000. There is no limit on the number of transactions per day.
ATM Fees in Thailand?
There are typically no-fee free ATMs in Thailand. Majority of the bank ATMs charge THB 250 (Thai Baht) per transaction as ATM Fees to foreign cardholders. One bank does not charge any ATM fee for some specific cards only and only at some of its ATM locations, however, these are hard to find. So, there are usually no fee-free ATMs you can use in Thailand as a foreign cardholder!
Apart from ATM Access Fees, there can be other potential charges to withdraw cash in Thailand – something every traveller handling cash in Thailand should be aware of. These are:
- Currency Conversion Fees (Accept or Decline Conversion)
- Your Bank’s currency conversion fee – Some banks charge the card holder a fee to use the card abroad. Cross check with your bank on what the charges are.
How to avoid high fees when withdrawing cash in Thailand?
- Use the fee-free or lower fee ATMs in the country.
- Use the ATM Fee Saver app to find fee-free or low-fee ATMs.
- Opt for “Decline Conversion” or “Without Conversion” during ATM transactions.
- Consider getting a fee-free travel card from your home country.
- Get one Visa and one Mastercard fee-free cards as some ATMs abroad accept only Visa and some only Mastercard.
- Avoid using ATMs at the airports, sometimes they have higher fees.
For a detailed guide, read Withdrawing cash abroad? 9 best ways to save foreign ATM fees.
Ways to find fee-free ATMs in Thailand?
Discover fee-free and low-fee ATMs on the ATM Fee Saver mobile app for iOS and Android. This app provides ATM PINs and details of leading bank ATMs such as ATM fees and withdrawal limits for foreign cardholders at ATMs in Thailand. Moreover, its simple fee calculator helps you determine exact withdrawal charges. You can also find cash tips and tricks on the app for 160+ countries including Thailand.
Download now from the App Store or Play Store.
Download ATM Fee Saver now.
Is it safe to use Thailand ATMs?
Typically, yes. A lot of ATMs have cameras and guards stationed outside. Near ATMs, the crime rate is minimal. More people are victims of pickpocketing. In a few rare instances, thieves in Thailand have used hidden cameras near ATM keypads to steal customers’ PINs. When using an ATM in Thailand, be sure to cover the PIN pad.
To be safe, use precautions such as:
- Use the ATMs located inside bank branches instead of standalone ones.
- Avoid using ATMs on empty streets or late at night.
- Keep your card visible at all times.
- Cover the PIN pad with the palm of your hand to avoid revealing your PIN to hidden cameras.
- If you find any suspicious devices attached around the keypad area of the ATM, do not use the ATM.
- Be aware of your surroundings, if you see suspicious people, move away.
- Keep two or more cards as backup.
- If also using your mobile phone for the transaction, avoid using public Wi-Fi. Use VPN for extra protection.
FAQs
What to do if an ATM takes your card?
If an ATM in Thailand takes your card, contact the bank (if you used an ATM inside a bank branch), they may retreive your card if you have proof of identity. You can also contact the bank’s helpline but they usually retreive and resend new cards only for their own customers. If so, you’ll need to contact your own bank and ask them to deliver a new card at home or abroad.
Fee-free ATMs and possible to withdraw cash free of cost at ATMs here?
No, its usually not possible. There are typically no-fee free ATMs in Thailand. Majority of the bank ATMs charge THB 250 (Thai Baht) per transaction as ATM Fees to foreign cardholders. One bank does not charge any ATM fee for some specific cards only and only at some of its ATM locations, however, these are hard to find. So, there are usually no fee-free ATMs you can use in Thailand as a foreign cardholder!
Foreign cards from US, UK, India, China, Europe, Australia accepted at ATMs in Thailand?
Definitely, Yes. ATMs in Thailand typically accept cards from various countries, including the US, UK, Europe, Australia, and others.
Bitcoin ATMs?
A small number of Bitcoin ATMs are available in Thailand.
Foreign bank ATMs’ in Thailand
Bank of America: In Thailand, you won’t find any ATMs belonging to Bank of America.
Citibank: Thailand does have some Citibank ATMs.
Barclays: In Thailand, you won’t find any ATMs belonging to Barclays Bank.
HSBC: A few HSBC ATMs can be found in Thailand, yes.
Standard Chartered: Thailand does have a few Standard Chartered ATMs.
