Which ATM Can You Use?
Most ATMs in Thailand accept foreign bank and credit cards issued by major international banking networks and you can withdraw Thai baht from them.
To know whether an ATM accepts your bank card or credit card:
Using the ATM
ATMs in Thailand have instructions in English. For the password, you enter the same one that you use for the card in your home country.
Transaction Charges to Watch Out For
Every withdrawal transaction from Thai ATMs using a foreign bank or credit card incurs a few charges. These are charged on a per transaction basis and apply regardless of the amount withdrawn, be it 100 baht or 10000 baht. They include:
Most ATMs in Thailand accept foreign bank and credit cards issued by major international banking networks and you can withdraw Thai baht from them.
To know whether an ATM accepts your bank card or credit card:
- First, look at the logos on the front and back of your cards to see which networks your card is on. You should see logos from Cirrus, PLUS, Maestro, Visa, Mastercard etc.
- Next, look at the ATM and see whether the machine supports the networks your card is on. This will usually be displayed prominently at the front of the machine
Using the ATM
ATMs in Thailand have instructions in English. For the password, you enter the same one that you use for the card in your home country.
Transaction Charges to Watch Out For
Every withdrawal transaction from Thai ATMs using a foreign bank or credit card incurs a few charges. These are charged on a per transaction basis and apply regardless of the amount withdrawn, be it 100 baht or 10000 baht. They include:
- A 200 baht fee charged by the bank that owns the ATM.
- A fee charged by the bank or financial institution that issued your card. The fee can be a flat rate or a percentage of the withdrawn amount, depending on how they charge for this.
This is not a charge but as this costs you money as well, you need to watch out for it.
As the money that you withdraw is in Thai baht, the rate at which your withdrawn amount is converted from your local currency into Thai baht is determined by the issuing bank or financial institution of your card. This rate is usually less favourable than the one that you can get outside at the moneychangers.
Ways to Minimise the ATM Withdrawal Fee
Make Fewer Transactions
Most ATMs have a per transaction withdrawal limit of 20000 baht. Plan your spending carefully and try to withdraw the maximum amount each time so that you will need to make fewer transactions.
Take Note of the Different ATM Withdrawal Limits
Most ATMs have a per transaction withdrawal limit of 20000 baht but for some, the limit is higher, e.g. Bangkok Bank 25000 baht, Bank of Ayutthaya 30000 baht, Krungsri Bank 30000 baht.
AEON ATMs
These have a lower withdrawal fee of 150 baht per transaction but not all cards may be accepted.
Citibank ATMs
Although they are limited in number and can be hard to find, using European or UK bank cards to withdraw money from Citibank ATMs do not incur any transaction fees. However, there are apparently exceptions to this, so it is best to check beforehand on this.
United Overseas Bank (UOB) ATMs
Not sure whether this works for people with UOB accounts in other countries as well but if you have a UOB bank account in Singapore, you can withdraw Thai baht from any UOB ATM in Thailand with no transaction fee charged at all.
You can even check your account balance as well.
Most ATMs have a per transaction withdrawal limit of 20000 baht. Plan your spending carefully and try to withdraw the maximum amount each time so that you will need to make fewer transactions.
Take Note of the Different ATM Withdrawal Limits
Most ATMs have a per transaction withdrawal limit of 20000 baht but for some, the limit is higher, e.g. Bangkok Bank 25000 baht, Bank of Ayutthaya 30000 baht, Krungsri Bank 30000 baht.
AEON ATMs
These have a lower withdrawal fee of 150 baht per transaction but not all cards may be accepted.
Citibank ATMs
Although they are limited in number and can be hard to find, using European or UK bank cards to withdraw money from Citibank ATMs do not incur any transaction fees. However, there are apparently exceptions to this, so it is best to check beforehand on this.
United Overseas Bank (UOB) ATMs
Not sure whether this works for people with UOB accounts in other countries as well but if you have a UOB bank account in Singapore, you can withdraw Thai baht from any UOB ATM in Thailand with no transaction fee charged at all.
You can even check your account balance as well.
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