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 "charge me in Thai baht"
You save on this withdrawal
A$46.44
That is about 15 plates of pad kra pao — just for tapping the right button on the ATM screen.
Pay in Thai baht
A$904.84
Card network rate: 1 AUD = 23.1792 THB
Let the ATM convert (DCC)
A$951.28
ATM DCC rate: 1 AUD = 22.0416 THB
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'.
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 →