Ton Sai Beach, Krabi

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Thailand travel money

ATM fee vs card in Thailand

Enter local units per euro (example: if €1 buys 38 THB, enter 38). Independent ATMs often add a baht operator fee before your bank’s FX.

Photo: Gizem Çelebi / Pexels

Travel essentials in Thailand

The four things that save the most money or hassle before you go.

eSIM for Thailand

Mobile data in Thailand from the moment you land, instead of costly roaming. Install before you fly.

See Saily plans →
orYesimAiraloHow many GB?

Airport transfer

Pre-book a ride from the airport to your stay – or compare with a taxi or public transport on arrival.

Find a transfer →

Tours & tickets

Attractions, tours and activities in Thailand – compare prices on more than one site.

Browse Klook →
orTiqets

Flight delayed?

3+ hours late or cancelled? Up to €600 per passenger under EU261, depending on distance.

Check claim (AirHelp) →
EU261 calculator

Affiliate links: TripUtils may earn a commission at no extra cost to you. Affiliate disclosure. TripUtils does not show live prices.

Example: if €1 buys 38 THB, enter 38. Copy this from a rate site or your banking app.
Use the fees from your own card contract. A 0% travel card still needs a mid-market rate. This is not a ranking of banks or apps.

Assumptions and sources

You enter the mid-market rate. TripUtils does not fetch rates. DCC is not modelled — decline conversion at the terminal.

These are planning ranges, not live prices.

Also useful

eSIM ThailandRoaming in ThailandCard vs ATM in ThailandPlugs in ThailandThailand budget

Common questions

Should I accept a charge in my home currency?

If the terminal already prices the sale locally, pay locally. A conversion offer is Dynamic Currency Conversion.

Which ATM is cheapest?

TripUtils does not rank ATM networks. Read the fee on the screen, then type that number in.