The 220 THB ATM Fee
Every ATM in Thailand charges a flat 220 THB fee when you use a foreign-issued card. This fee is set by the Bank of Thailand and applies regardless of which Thai bank owns the ATM or which card network you use.
The fee appears on screen before you confirm the withdrawal, so there are no surprises. On top of this, your home bank may charge its own international withdrawal fee of 1-5 USD or 1-3 percent of the amount. Check with your bank before you travel.
The 220 THB fee is per transaction, not per day. If you withdraw 5,000 THB three times, you'll pay 660 THB in Thai ATM fees alone. Always withdraw the maximum amount to minimise the number of transactions.
Which Banks Charge Less
All Thai banks charge the same 220 THB foreign card fee, so there's no avoiding it by switching banks. However, some ATMs allow higher per-transaction limits, which effectively reduces your fee-per-baht.
- AEON ATMs: Allow up to 30,000 THB per withdrawal. Found in major malls like Terminal 21, CentralWorld, and MBK.
- Citibank ATMs: Also allow 30,000 THB per withdrawal. Found in Sukhumvit and Silom business areas.
- Bangkok Bank (blue ATMs): Maximum 20,000 THB per withdrawal. The most common ATM in Thailand.
- Kasikorn Bank (green ATMs): Maximum 20,000 THB per withdrawal. Very widely available.
- SCB (purple ATMs): Maximum 20,000 THB per withdrawal.
- Krungthai Bank (blue and white): Maximum 20,000 THB per withdrawal. Found near government offices.
Seek out AEON or Citibank ATMs to withdraw 30,000 THB in one go. At 220 THB per transaction, that's a fee of 0.73 percent — much better than the 1.1 percent you pay on a 20,000 THB withdrawal.
Daily Withdrawal Limits
Thai ATMs have per-transaction limits, but your daily total depends on your home bank's settings. Many banks set a default overseas withdrawal limit of 500-1,000 USD per day.
- Per transaction: 20,000-30,000 THB depending on the ATM.
- Per day (Thai side): No hard daily limit from Thai banks — you can do multiple transactions.
- Per day (your bank): Usually 500-1,000 USD equivalent. Check and increase this before you travel.
- Some banks require you to enable international ATM access before departure. Do this online or call your bank.
If your card is declined, it may be your bank's fraud detection blocking the transaction. Call your bank to authorise Thai ATM withdrawals, or set a travel notification in your banking app before you fly.
Where to Find ATMs
ATMs are everywhere in Bangkok. You'll never struggle to find one in central areas.
- Every 7-Eleven has an ATM either inside or immediately outside. There are over 13,000 7-Elevens in Thailand.
- Shopping malls have ATM clusters on the ground floor, usually near the food court or supermarket.
- BTS and MRT stations have ATMs near the ticket machines.
- Bank branches are on every major road with multiple ATMs outside.
- Major tourist areas (Sukhumvit, Silom, Khao San Road) have ATMs every few hundred metres.
Outside central Bangkok, ATM availability drops in smaller sois and residential areas. Withdraw cash before heading to outer suburbs or day-trip destinations.
Avoid Airport Exchange Booths
The exchange counters at Suvarnabhumi and Don Mueang airports offer some of the worst rates in Bangkok. The difference between airport rates and city rates can be 5-10 percent on major currencies.
- If you need cash immediately on arrival, withdraw 2,000-3,000 THB from an airport ATM. The 220 THB fee is still better than the airport exchange rate.
- Airport exchange booths are convenient but they profit from tired travellers who don't compare rates.
- The one exception is the SuperRich counter in the arrivals hall at Suvarnabhumi — it offers city-level rates but often has long queues.
- Exchange the bulk of your cash in the city the next day at SuperRich or Vasu Exchange.
SuperRich and Cash Exchange
If you prefer cash over cards, SuperRich is the best exchange service in Bangkok.
- SuperRich green branch (1965): Main location near BTS Chit Lom. Walk-in only, no appointment needed.
- SuperRich orange branch: A separate company with nearly identical rates. Also near Chit Lom.
- Both offer rates within 0.1-0.3 percent of the mid-market rate for major currencies like USD, EUR, and GBP.
- Bring your passport — it's required for all currency exchange transactions in Thailand.
- Opening hours are typically 09:00-18:00 Monday to Saturday. Some mall branches stay open later.
Check the SuperRich website or app for live rates before visiting. Rates can vary by 0.5-1 percent day to day depending on currency movements.
Tips to Minimise ATM Costs
Follow these strategies to keep your ATM fees as low as possible during your Bangkok trip.
- Use a card that reimburses ATM fees (Charles Schwab) or has free withdrawals (Wise up to 200 USD/month).
- Withdraw the maximum amount each time to reduce the number of 220 THB fees.
- Combine ATM cash with a travel card for payments. Use Wise or Revolut at card terminals and reserve cash for street food and markets.
- Always decline the ATM's offer to convert to your home currency. Choose Thai baht to avoid a 3-5 percent markup.
- Bring some home currency in cash as a backup. Exchange it at SuperRich for a better rate than most ATMs provide.
- Set a travel notification on your bank card before departure to prevent fraud blocks.
The 220 THB ATM Fee
Every ATM in Thailand charges a flat 220 THB fee when you use a foreign-issued card. This fee is set by the Bank of Thailand and applies regardless of which Thai bank owns the ATM or which card network you use.
The fee appears on screen before you confirm the withdrawal, so there are no surprises. On top of this, your home bank may charge its own international withdrawal fee of 1-5 USD or 1-3 percent of the amount. Check with your bank before you travel.
The 220 THB fee is per transaction, not per day. If you withdraw 5,000 THB three times, you'll pay 660 THB in Thai ATM fees alone. Always withdraw the maximum amount to minimise the number of transactions.
Which Banks Charge Less
All Thai banks charge the same 220 THB foreign card fee, so there's no avoiding it by switching banks. However, some ATMs allow higher per-transaction limits, which effectively reduces your fee-per-baht.
- AEON ATMs: Allow up to 30,000 THB per withdrawal. Found in major malls like Terminal 21, CentralWorld, and MBK.
- Citibank ATMs: Also allow 30,000 THB per withdrawal. Found in Sukhumvit and Silom business areas.
- Bangkok Bank (blue ATMs): Maximum 20,000 THB per withdrawal. The most common ATM in Thailand.
- Kasikorn Bank (green ATMs): Maximum 20,000 THB per withdrawal. Very widely available.
- SCB (purple ATMs): Maximum 20,000 THB per withdrawal.
- Krungthai Bank (blue and white): Maximum 20,000 THB per withdrawal. Found near government offices.
Seek out AEON or Citibank ATMs to withdraw 30,000 THB in one go. At 220 THB per transaction, that's a fee of 0.73 percent — much better than the 1.1 percent you pay on a 20,000 THB withdrawal.
Daily Withdrawal Limits
Thai ATMs have per-transaction limits, but your daily total depends on your home bank's settings. Many banks set a default overseas withdrawal limit of 500-1,000 USD per day.
- Per transaction: 20,000-30,000 THB depending on the ATM.
- Per day (Thai side): No hard daily limit from Thai banks — you can do multiple transactions.
- Per day (your bank): Usually 500-1,000 USD equivalent. Check and increase this before you travel.
- Some banks require you to enable international ATM access before departure. Do this online or call your bank.
If your card is declined, it may be your bank's fraud detection blocking the transaction. Call your bank to authorise Thai ATM withdrawals, or set a travel notification in your banking app before you fly.
Where to Find ATMs
ATMs are everywhere in Bangkok. You'll never struggle to find one in central areas.
- Every 7-Eleven has an ATM either inside or immediately outside. There are over 13,000 7-Elevens in Thailand.
- Shopping malls have ATM clusters on the ground floor, usually near the food court or supermarket.
- BTS and MRT stations have ATMs near the ticket machines.
- Bank branches are on every major road with multiple ATMs outside.
- Major tourist areas (Sukhumvit, Silom, Khao San Road) have ATMs every few hundred metres.
Outside central Bangkok, ATM availability drops in smaller sois and residential areas. Withdraw cash before heading to outer suburbs or day-trip destinations.
Avoid Airport Exchange Booths
The exchange counters at Suvarnabhumi and Don Mueang airports offer some of the worst rates in Bangkok. The difference between airport rates and city rates can be 5-10 percent on major currencies.
- If you need cash immediately on arrival, withdraw 2,000-3,000 THB from an airport ATM. The 220 THB fee is still better than the airport exchange rate.
- Airport exchange booths are convenient but they profit from tired travellers who don't compare rates.
- The one exception is the SuperRich counter in the arrivals hall at Suvarnabhumi — it offers city-level rates but often has long queues.
- Exchange the bulk of your cash in the city the next day at SuperRich or Vasu Exchange.
SuperRich and Cash Exchange
If you prefer cash over cards, SuperRich is the best exchange service in Bangkok.
- SuperRich green branch (1965): Main location near BTS Chit Lom. Walk-in only, no appointment needed.
- SuperRich orange branch: A separate company with nearly identical rates. Also near Chit Lom.
- Both offer rates within 0.1-0.3 percent of the mid-market rate for major currencies like USD, EUR, and GBP.
- Bring your passport — it's required for all currency exchange transactions in Thailand.
- Opening hours are typically 09:00-18:00 Monday to Saturday. Some mall branches stay open later.
Check the SuperRich website or app for live rates before visiting. Rates can vary by 0.5-1 percent day to day depending on currency movements.
Tips to Minimise ATM Costs
Follow these strategies to keep your ATM fees as low as possible during your Bangkok trip.
- Use a card that reimburses ATM fees (Charles Schwab) or has free withdrawals (Wise up to 200 USD/month).
- Withdraw the maximum amount each time to reduce the number of 220 THB fees.
- Combine ATM cash with a travel card for payments. Use Wise or Revolut at card terminals and reserve cash for street food and markets.
- Always decline the ATM's offer to convert to your home currency. Choose Thai baht to avoid a 3-5 percent markup.
- Bring some home currency in cash as a backup. Exchange it at SuperRich for a better rate than most ATMs provide.
- Set a travel notification on your bank card before departure to prevent fraud blocks.