Bungalows and pool in a tropical garden
Bungalow bedroom
Deluxe Bungalow: garden, double bed and bathroom
Superior Bungalow: terrace, double bed and sofa
Superior Plus Bungalow: exterior, double bed, sofa and wardrobe
Family Bungalow: exterior, living area with kitchenette and two bedrooms
Restaurant with schnitzel and coffee

Money in Thailand

Payments & ATMs in Thailand

Practical information about cash, cards, Thai baht, ATMs, exchange rates and QR payments.

Last reviewed: 24 September 2026

  • CurrencyThai baht (THB)
  • ATMsLocal and home-bank fees may apply
  • BackupCarry cash and more than one card

Cash and cards

Thai baht is the local currency. Cash remains useful for taxis, markets and small businesses; hotels, larger restaurants and shops often accept cards. Carry more than one payment option.

Using ATMs

Thai ATMs may charge a local fee in addition to charges from your own bank. Choose the amount carefully and take your card, cash and receipt before leaving.

Withdrawal limits and fees

The maximum amount per transaction depends on the Thai bank, the ATM and your card issuer. Bangkok Bank states up to 25,000 THB per transaction; Krungsri and Kasikornbank state up to 30,000 THB.

A Thai ATM operator fee normally applies to foreign cards, and your own bank may charge additional fees or impose a lower daily limit. The ATM displays its fee before final confirmation.

Currency conversion

When an ATM or card terminal offers to convert the amount into your home currency, compare the displayed rate and fees. Paying in Thai baht often lets your card provider apply its rate.

QR payments

PromptPay QR is widespread but often requires a compatible Thai banking service. Visitors should not assume every international app will work.

Safety

  • Use ATMs at banks or well-lit places
  • Shield your PIN
  • Keep a second card separately
  • Tell your bank about the trip if required
  • Compare the rate and possible fees, and count cash immediately after a withdrawal or exchange.

Current reference rates

Exchange rates fluctuate. Check the current European Central Bank reference rates and remember that cash desks, ATMs and card providers may apply their own rates and fees.

Frequently asked questions

Do I need cash on Koh Chang?

Yes. Cards are not accepted everywhere, especially for local transport and small businesses.

Can I withdraw cash with a foreign card?

Usually yes when the card, bank and ATM support the same network; fees and limits are shown before withdrawal.

Should I choose my home currency or Thai baht?

Compare the rate and costs. Charging in Thai baht is often more transparent.