Thailand ATM Fees for Foreign Cards by Bank
A foreign Visa card pays THB 250 per ATM withdrawal in Thailand, and a foreign Mastercard THB 350, at Kasikornbank, SCB and Krungsri. Only Krung Thai is lower, at THB 220. Decline the ATM's currency conversion: Krung Thai adds a 4% fee when you pick it.
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A foreign Visa card pays THB 250 per withdrawal at Kasikornbank, SCB and Krungsri. Krung Thai charges THB 220. A foreign Mastercard costs THB 350 at Kasikornbank, SCB and Krungsri.
The fee table by bank
A foreign Visa card pays THB 250 per ATM withdrawal at Kasikornbank, SCB and Krungsri and a foreign Mastercard pays THB 350, while Krung Thai charges THB 220 for either.
| Bank | Visa | Mastercard | Effective |
|---|---|---|---|
| Kasikornbank (K-ATM, international credit cards) | THB 250 | THB 350 | 22 Sep 2026 |
| SCB | THB 250 | THB 350 | 26 Mar 2026 |
| Krungsri | THB 250 | THB 350 | 1 Sep 2026 |
| Krung Thai | THB 220 | THB 220 | Table revised 29 Sep 2023 |
China UnionPay costs THB 250 at Kasikornbank and Krungsri, and THB 220 at Krung Thai. SCB charges 250 baht for UnionPay and JCB. Krungsri also charges THB 250 for JCB.
Krungsri charges THB 50 per transaction for an international American Express card.
Of these four banks, Krung Thai is the cheapest at THB 220. For Mastercard it beats the THB 350 at Kasikornbank, SCB and Krungsri.
Decline the conversion offer
Krung Thai’s ATM offers currency conversion, and the bank sets that fee at 4% of the amount withdrawn in the currency of the issuing bank. It is charged additionally when you select the service.
Say no to the conversion and let your own bank convert. Then you pay the access fee once, not the access fee plus the 4%.
Krung Thai charges the access fee only on a successful Visa or Mastercard transaction, and only successful transactions are charged for UnionPay.
Bank counters
At a Krungsri branch or booth counter, an international Visa card pays THB 200 per transaction. At the Krung Thai counter it is THB 200 per transaction. The counter fee is lower than the ATM fee at both banks.
Skipping the fee with PromptPay
Most banks have waived fees on digital payments such as mobile payment since 2018. To join PromptPay you register by linking an existing bank account to your citizen ID or phone number through mobile banking, internet banking, ATM machines or a branch. That needs a Thai bank account.
Related guides
Not confirmed: What Bangkok Bank charges a foreign card at its own ATMs, and the daily withdrawal limit at each bank: check the ATM screen before you confirm. Your home bank's own fee on top: check its schedule before you travel.
Common questions
How much is the ATM fee in Thailand with a foreign card?
A foreign Visa card pays THB 250 per withdrawal at Kasikornbank, SCB and Krungsri, and a foreign Mastercard pays THB 350. Only Krung Thai is lower, at THB 220.
How much does a foreign Visa card pay at a Thai ATM?
THB 250 per withdrawal at Kasikornbank, SCB and Krungsri, and THB 220 at Krung Thai.
How much does a foreign Mastercard pay?
THB 350 per withdrawal at Kasikornbank, SCB and Krungsri.
What is the conversion fee at the ATM?
Krung Thai sets a 4% fee on the amount withdrawn when you choose currency conversion at its ATM. It is charged additionally.
Do Thai banks charge when a withdrawal fails?
Krung Thai charges the access fee only on a successful Visa or Mastercard ATM transaction.
Can I withdraw at a bank counter instead?
A counter withdrawal with an international Visa card at Krungsri is THB 200 per transaction. At the Krung Thai counter it is THB 200 per transaction.
How do I pay without a withdrawal fee?
Most Thai banks have waived fees on digital payments such as mobile payment since 2018. PromptPay needs a Thai bank account linked to a citizen ID or phone number.
Read next
General information checked against the sources listed above, not legal advice for your situation. Rules and office practice change; confirm with the immigration office or a licensed adviser before you act. See how guides are checked.
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Comments (10)
snreddit
How much should I convert ? Hi Going to be in Bangkok end of the month also visiting Chiang Mai and Phuket Most of the accommodation and flights are booked. Most need currency for local stuff like food , transportation, excursions How much should I have roughly? I want to avoid paying ATM fees and currency exchange. Worst case if I had to do it where should I do it in Thailand?
Sad_Bat_5385
Just pay the small fee when you get in Thailand and withdraw a decent chunk. The fee is around 250 baht. You can withdraw straight away at the airport or any ATM really.
tutankhamun7073
One thing to note is that when SuperRich, you need to have your physical passport with you. Oh Rich on the other hand accepts a photo of your passport which is nice.
Boring_Dot6965
Not sure why people bother bringing tons of cash and then waiting in lines to exchange them. ATM fee is not so bad if you withdraw 30k baht at a time and let your own bank do the conversion.
dswpro
I convert $300 USD when I land in Bangkok and use ATM or currency exchanges as needed after. (Super Rich has best exchange rates)
mopie69
When i had to pay the ATM fees i thought b200 was taking the P* just to use the machine .. but that's me. Fortunately it p* me off so much I got a thai bank savings account 15 years ago when it's was easy and free. Now i use Wise to convert euros to bahts and in 10 seconds or less I can get funds from EU to an ATM in Bangkok fee free and card free using my phone.
JoshuaClay45
Need Advice on ATM Withdrawal Fees and SIM Cards Hi, I'm excited to be planning a 2-week trip to Bangkok, Phuket and other places with my family. We'll need to withdraw Thai Baht from ATMs using my Revolut Visa debit card, but I'm having trouble finding information on the costs associated with withdraw cash from local ATM providers. Can anyone recommend specific banks or ATMs with many branches or machines that offer low withdrawal fees for foreign cardholders? In addition, I'm also looking to purchase SIM cards with unlimited internet access, high-speed and large network coverage recommendations for reliable mobile providers and where we can purchase the SIM cards? Thank you in advance for your help! I've never been in SEA region, so I'd appreciate if I could also ask additional questions in DMs.
joseph_dewey
220 baht fee for every single bank in Thailand, unless it's gone up recently. So, it doesn't really matter which bank you withdraw from, since they all charge the exact same amount. And because of the flat fee, usually you should withdraw a lot at a time. Just withdraw in Thai Baht, not in USD or another currency, because if the Thi Bank does the converting to USD, instead of Visa, the fees and rate are horrendous.
Nafe-stinks
I was out in January and February, I converted to Thai Baht using revolut, which has a very favorable exchange rate. You can use the card or Apple Pay in 7/11s and other places and your paying in the local currency. However you will still be charged the ATM fee, I can’t remember the exact amount but it’s around 250 baht.. Also used a True 699 baht SIM card for a month, I was cycling, so I was streaming music etc most days…
Cremacook
For the SIM card I recommend going to a store rather than the airport. Lots of reviews says AIS has the most reliable network, Dtac can be a hit or miss depending where you are. We landed in Phuket and at the airport they were selling 30 days of highest speed for 1600thb. Luckily our phones weren’t unlocked so we ended up not paying for it. It’s roughly the same price as what you’d pay in the internet. After unlocking our phones we tried to just buy it off the website but it didn’t work so we went to a store. They gave us 90GB for 30 days on high speed for 300thb! It’s not unlimited but you can always add on more if you need and if you do it at a store it’ll be much cheaper.