Thai ATMs are notoriously expensive for tourists, with lots of confusing fees baked in. This site was built to give you a better idea of how much a withdrawal will cost you. Enter your withdrawal amount and home currency to get your estimated cost, including bank and exchange rate-related fees. We'll also suggest whether to accept or decline the ATM's conversion offer.
Thai ATMs typically dispense in multiples of 100 THB
Spot: 1 AUD ≈ 23.3193 THB
Most Thai ATMs charge 250 THB (Visa) or 350 THB (Mastercard) per withdrawal.
| Item | Without conversion ✓ Recommended | With conversion |
|---|---|---|
| Cash requested | 10,000 THB | 10,000 THB |
| Thai ATM access fee | 250 THB | 250 THB |
| Total ATM amount | 10,250 THB | 10,250 THB |
| FX method | Card network converts THB to AUD | ATM converts to AUD (DCC) |
| FX rate used Estimated | 1 AUD = 22.8062 THB | 1 AUD = 21.6869 THB |
| Base amount before card fees | A$449.44 | A$472.64 |
| Fixed ATM fee | A$5.00 | A$5.00 |
| Foreign transaction / FX fee | A$13.48 | A$14.18 |
| Total card fees | A$18.48 | A$19.18 |
| Total estimated cost to you | A$467.92 AUD | A$491.81 AUD |
Without conversion is the cheaper option for this withdrawal.
Results are estimates based on published fee schedules and live mid-market exchange rates. Actual charges may vary. FX rates are estimated using card network and DCC multipliers derived from real transaction data. Last fee verification: March 2026. Using Big 4 bank average.
A few things worth knowing before you land.
AEON ATMs are the cheapest
AEON ATMs charge only 150 THB per withdrawal — significantly less than the 220–250 THB charged by most Thai bank ATMs. Worth seeking out.
Withdraw more, withdraw less often
The ATM fee is charged per transaction — not per baht. Fewer, larger withdrawals mean less wasted on flat fees.
Tap works — but carry cash for street food
Contactless is widely accepted in malls and restaurants. Street food stalls, markets, and tuk-tuks are almost always cash only. Bring smaller notes (20, 50, 100 THB).
Use cross-border QR if your bank supports it
Some banks let you pay Thai vendors directly via QR — no cash, no conversion fee, and it works even at small local shops.
Say "phet nit noi" if you can't handle Thai spicy
Thai food is genuinely spicy by default. "Phet nit noi" (เผ็ดนิดหน่อย) means "a little spicy." Start small first!
Smile!
Thailand is the "Land of Smiles" — returning a smile is deeply embedded in the culture. It goes a long way.
Practical answers to the most common questions about ATMs and cash in Thailand.
Understanding the two options every Thai ATM presents to foreign cardholders.
You decline the ATM's offer. The ATM dispenses Thai Baht, and your card network (Visa or Mastercard) converts the amount to your home currency at their rate — typically within 2–3% of the mid-market rate.
You accept the ATM's offer. The Thai bank converts the Baht to your home currency at their own rate — which is typically ~7% worse than the mid-market rate. The ATM operator earns a margin on this.
If you travel frequently, these cards can significantly reduce your total ATM costs — regardless of whether you accept DCC.
Low FX markup (~0.35–1.75%), free up to 350 AUD/month
Available for: AUD, GBP, EUR, SGD, USD + more
No foreign transaction fees, reimburses all ATM fees worldwide — including the 250 THB Thai ATM fee
Available for: USD
If you have a Wise account, convert your home currency to THB inside the Wise app before withdrawing. You get the mid-market rate with a small transparent fee, rather than the card network rate applied at the ATM.
Available for: All Wise-supported currencies
No foreign transaction fees, no ATM fees abroad
Available for: GBP
No ATM fees up to monthly limit, interbank FX rate
Available for: AUD, GBP, EUR, SGD, USD + more
Card details are for general information only. Always verify current terms with the card issuer before applying. Some links may be affiliate links — this does not affect our recommendations.
Everything you need to know about ATM fees and currency conversion in Thailand.
Exchange rate calibration: We use these calibrated multipliers: card network = spot × 0.978, ATM DCC = spot × 0.930, based on average data of real ATM transactions in Thailand. Please note the rates can vary depending on many factors. This tool is meant to be used as a rough guide.
Live exchange rates: Mid-market spot rates are fetched twice daily from the Open Exchange Rates API and cached in your browser for 12 hours. If the live fetch fails, approximate rates from March 2026 are used as a fallback.
Card fee database: 102 card profiles across 17 tourist-origin countries, sourced from official bank fee schedules and product pages. Last verified March 2026. Confidence levels (high/medium) are shown for each card. We do not include low-confidence data.
Thai ATM fees: Most major Thai ATMs (SCB, Bangkok Bank, Kasikorn, Krungthai, Krungsri) charge 250 THB per withdrawal for Visa cards and 350 THB for Mastercard cards. The calculator defaults to the appropriate fee based on your selected card network. AEON ATMs charge a lower fee of 150 THB regardless of network. You can override the fee in the calculator settings.