ATM Fees in Thailand: The Complete Guide (2026)
Updated May 2026 · 7 min read
💡 The Key Fact
Every Thai ATM charges 220 THB (~£5) per withdrawal for foreign cards. There is no way to avoid this. Withdraw larger amounts less frequently.
Take out 1,000 THB? That's a 22% fee. Take out 20,000 THB? About 1.1%. The maths is clear.
How to Minimise ATM Fees
- Withdraw 10,000-20,000 THB at a time. Reduces fee to 1-2%.
- Use a fee-free UK card. Wise, Chase UK, Starling don't charge their own ATM fees.
- Always choose THB, not GBP. Decline DCC every time.
- Pay by card where possible. Hotels, 7-Eleven, restaurants, Grab all accept cards.
Which Thai ATMs to Use
All charge the same 220 THB. Bangkok Bank, Kasikornbank, SCB have highest withdrawal limits (20,000-30,000 THB).
Cash vs Card in Thailand
Use Cash For:
- Street food and markets
- Tuk-tuks and songthaews
- Small shops and massage
- Tips
Pay by Card For:
- Hotels
- 7-Eleven
- Restaurants
- Grab rides