Use Cash or Card in Thailand? (2025 Guide for Tourists)
One of the most common questions travelers ask before visiting Thailand is whether they should carry cash or rely on their credit or debit cards. In 2025, both payment methods are widely used, but there are important differences depending on where you go and what you’re doing.
This guide explains when to use cash, when a card is more convenient, and how to avoid fees or problems while spending in Thailand.
Is Cash Still Common in Thailand?
Yes. Despite the growth of digital payments, cash remains the most widely accepted form of payment across Thailand — especially outside major cities. Street vendors, small restaurants, taxis, and local markets often accept only cash.
Even in Bangkok, many food courts, stalls, and smaller businesses prefer or require cash.
When You’ll Need Cash
Street food and night markets
Public transport like tuk-tuks or songthaews
Small local restaurants or guesthouses
Tips and small convenience store purchases
Carrying small denominations (20, 50, 100 THB) is useful for everyday expenses.
Can You Use Credit or Debit Cards in Thailand?
Yes, especially in urban areas, shopping malls, hotels, and chain restaurants. Visa and Mastercard are accepted more widely than American Express. Contactless payments (tap-to-pay) are also common in major cities.
When Cards Are Best to Use
Hotels and resorts
Shopping malls and supermarkets
Online bookings (flights, tours)
Restaurants in tourist areas
Always ask first — some places add a 2–3% fee for card transactions.
ATM Withdrawals in Thailand
ATMs are everywhere in Thailand and accept foreign cards. Most banks charge a fixed fee per withdrawal — usually around 220 THB (~$6–$7 USD).
Tips:
Withdraw larger amounts less often to reduce fees
Use ATMs at official banks like Bangkok Bank or Krungthai
Decline currency conversion (always choose “charge in THB” for better rates)
Mobile Wallets and QR Payments
Thailand supports QR code payments via local apps like PromptPay, but these are mostly used by locals with Thai bank accounts. Some tourists can use WeChat Pay or Alipay, but Apple Pay and Google Pay are not yet widely accepted.
Currency Exchange or Card?
If you bring foreign currency, the best exchange rates are often found at independent exchange shops like SuperRich in Bangkok. Avoid exchanging at airports or hotels, where rates are usually poor.
Cards are safer and easier for large purchases, but cash is more flexible for daily use.
Safety Tips for Using Cash and Cards
Use a money belt or neck wallet for cash
Keep a backup card in a separate place
Avoid flashing large bills in markets or busy areas
Notify your bank before traveling to avoid card blocks
Conclusion
In 2025, the best approach is to use a mix of cash and card in Thailand. Bring enough cash for daily needs and emergencies, and use your card for hotels, transport apps, and larger expenses. With the right balance, you’ll avoid overpaying in fees and stay prepared for any situation while traveling.
