What a Thai ATM withdrawalactually costs you
The 250 THB machine fee is the part everyone sees. The conversion the ATM offers you is where the real money goes. Enter your card and find out.
Always choose "decline currency conversion"
By choosing no, you'll save on this withdrawal...
A$46.37
That's 15 plates of pad kra pao! 🔥🔥🔥
Pay in Thai baht
A$903.49
Card network rate: 1 AUD = 23.2139 THB
Let the ATM convert (DCC)
A$949.87
ATM DCC rate: 1 AUD = 22.0745 THB
These totals use typical home-bank withdrawal and foreign transaction fees for AUD. Pick your card above for exact figures.
What we do not model yet: monthly free-withdrawal allowances (Wise, Revolut and some digital banks give you a few free ATM withdrawals each month), premium plan tiers, and short-term promotional fee waivers. If your card has one of those, your real cost may be lower.
Three rules that save the most
- Withdraw the maximum. The 220 THB fee is per transaction, not per baht. Two 10,000 THB withdrawals cost double.
- Always decline conversion. When the ATM offers your home currency, say no. That screen costs about 7%.
- Bring the right card. A card with no foreign transaction fee saves more over a trip than any other single choice.
Frequently asked questions
How much does a Thai ATM charge foreigners?
Nearly every Thai bank charges a flat 250 THB per withdrawal on Visa cards and up to 350 THB on some Mastercard withdrawals. It is charged per transaction, so one large withdrawal always beats several small ones.
Should I accept the ATM's conversion to my home currency?
No. Dynamic currency conversion (DCC) typically costs around 7% versus the interbank rate, while your card network's own rate is roughly 2.2% off. Always pick 'continue without conversion' or 'charge me in THB'.
Does this include my own bank's fees?
Yes. The totals include your home bank's foreign ATM withdrawal fee, its percentage fee and any foreign transaction fee, on top of the Thai machine fee — every card in the database has a published source and a verification date. What is not modelled yet is monthly free-withdrawal allowances (for example Wise and Revolut give a limited number of free withdrawals per month), premium plan tiers and temporary promotional waivers.
What is the maximum I can withdraw at once?
Most Thai ATMs cap a single withdrawal at 20,000–30,000 THB. Since the fee is per transaction, withdrawing at the highest limit your machine and card allow is the cheapest approach.
Thailand money guides
Deeper reading on fees, limits, and the best cards to bring.
Read the guides →