7 Ways to Use an ATM in Thailand Without Paying Extra Fees
Using an ATM in Thailand can cost more than you think. Most machines charge 220 THB (~6 USD) per withdrawal — and that’s before your own bank adds fees. Here’s how to avoid those charges and keep more money in your pocket while enjoying Thailand.
1. Use a Fee-Free Global Bank Card
Banks like Revolut, Wise, N26, or Charles Schwab refund ATM fees or don’t charge foreign transaction fees. These cards are traveler-friendly and perfect for Thailand.
2. Avoid Dynamic Currency Conversion
When the ATM asks “Do you want to withdraw in your home currency?”, always choose Thai Baht. Accepting conversion leads to poor exchange rates and hidden fees.
3. Withdraw the Maximum Amount
Most Thai ATMs allow up to 20,000–30,000 THB per withdrawal. By withdrawing more at once, you minimize the number of 220 THB fees.
4. Use AEON or Citibank ATMs
AEON ATMs (purple) are known to charge lower fees — around 150 THB. Some Citibank machines in Bangkok may waive fees altogether for certain foreign cards.
5. Check Your Bank’s Global ATM Partners
Your bank might have a partner bank in Thailand. Use their ATMs to avoid international fees. Check your bank’s website before you travel.
6. Use Cash Exchange for Large Amounts
For amounts over 300 USD, money changers like SuperRich or Vasu offer better rates than ATMs. Bring crisp notes and your passport for the best exchange rate.
7. Track ATM Fees with Mobile Apps
Use apps like ATM Fee Saver or read travel forums to find updated info on which ATMs have the lowest or no fees. Avoid machines in tourist-heavy areas.
Final Tip
Always inspect the ATM. Use machines attached to banks or inside shopping malls for security. Avoid standalone ATMs late at night.
More Thailand travel tips coming soon — stay tuned!
