{"id":72809,"date":"2026-03-02T16:11:32","date_gmt":"2026-03-02T08:11:32","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=72809"},"modified":"2026-04-20T14:32:34","modified_gmt":"2026-04-20T06:32:34","slug":"thailand-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/","title":{"rendered":"Thailand ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2026"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Travelling to Thailand? Here\u2019s a Thailand ATM withdrawal guide for everything you need to know.<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Planning a trip to Thailand from Singapore? Whether you\u2019re exploring Bangkok\u2019s vibrant streets, chilling on a beach in Phuket, or devouring street food in Chiang Mai, having access to cash is essential. If you\u2019re looking for a Thailand ATM withdrawal guide, we\u2019ve got you covered.<\/p>\n\n\n\n<p>ATM withdrawals in Thailand come with fees and potential mark-ups on exchange rates. Here\u2019s everything you need to know to avoid unnecessary charges and make the most of every Thai Baht!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/mitsui-outlet-park-kisarazu\/\">MITSUI OUTLET PARK KISARAZU: Your Ultimate Shopping Getaway From Tokyo<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/marukyu-koyamaen-matcha\/\">Marukyu Koyamaen Matcha 2026: Best Matcha to Try, Prices &amp; Where to Buy<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-myr\/\">SGD To MYR Rate Today (2026): Best Exchange Rates, Forecast &amp; Where to Change Money<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Summary:<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Carrying cash is still essential in Thailand, especially for street food, markets, tuk-tuks, and small businesses<br><\/li>\n\n\n\n<li>AEON Bank ATMs are ideal for withdrawals, charging only&nbsp;<strong>150 THB (~S$6)<\/strong>&nbsp;per transaction \u2014 one of the lowest fees in Thailand.<br><\/li>\n\n\n\n<li>It\u2019s important to choose a fee-free card as bank cards typically charge a 2-3% for foreign transactions and a 2-8% fee for ATM withdrawals<br><\/li>\n\n\n\n<li>YouTrip offers free S$400* in ATM withdrawals every calendar month with zero FX fees<br>* A 2% fee is imposed thereafter.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcda <strong><strong>Table of Contents:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong><a href=\"#do-you-need-cash-in-thailand\">Do You Still Need Cash in Thailand?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#can-i-withdraw-cash-in-thailand-with-debit-credit-card\">Can I Withdraw Cash in Thailand Using My Debit or Credit Card?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#where-to-find-atms-in-thailand\">Where to Find ATMs in Thailand<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#how-to-withdraw-cash-at-thailand-atms\">How to Withdraw Cash at Thailand ATMs<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#thailand-atm-fees\">Thailand ATM Fees<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#tips-to-minimise-atm-fees-in-thailand\">Tips to Minimise ATM Fees in Thailand&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#thailand-atm-cash-withdrawal-limits\">Thailand ATM Cash Withdrawal Limits&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><a href=\"#exchange-rates-conversion-fees-thailand\"><strong>Exchange Rates &amp; Conversion Fees in Thailand<\/strong>&nbsp;<\/a><\/li>\n\n\n\n<li><strong><a href=\"#how-to-avoid-extra-fees-on-exchange-rates\">How to Avoid Extra Fees on Exchange Rates<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#atm-safety-tips\">ATM Safety Tips<\/a><\/strong><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"do-you-need-cash-in-thailand\"><strong>Do You Still Need Cash in Thailand?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The answer to this is yes and no. While debit and credit cards are widely accepted in big cities like Bangkok, Phuket, and Chiang Mai \u2014 especially in malls, hotels, and upscale restaurants \u2014 cash is still king in many places, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Street Food Stalls &amp; Markets: <\/strong>Craving pad thai from a street vendor or shopping for souvenirs at a local market? Most vendors only accept cash.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tuk-tuks &amp; Taxis: <\/strong>While ride-hailing apps like Grab are an option, traditional tuk-tuks and taxis often prefer cash payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Small Businesses: <\/strong>From family-run shops to local tour operators, and even some spas or massage parlours, many small businesses don\u2019t accept card payments.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rural areas: <\/strong>If you\u2019re going off the beaten path and exploring smaller towns or remote islands, ATMs can be hard to come by, and card payments are rare. Be sure to stock up on cash before heading to these areas.<\/li>\n<\/ul>\n\n\n\n<p>So, while you can rely on your card for bigger purchases, having some Thai Baht on hand is still a smart move. Better to be prepared than stuck in a situation where you can\u2019t pay for that delicious mango sticky rice or impromptu tuk-tuk ride!&nbsp;<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-power-plug\/\"><strong>Thailand Power Plug &amp; Plug Socket Guide: Adapter &amp; Voltage Tips<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-i-withdraw-cash-in-thailand-with-debit-credit-card\"><strong>Can I Withdraw Cash in Thailand Using My Debit or Credit Card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATMs in Thailand generally accept <strong>Mastercard <\/strong>and <strong>Visa <\/strong>debit and credit cards. So, if you\u2019re carrying one of those, you should be able to withdraw cash without any issues. That said, it\u2019s always a good idea to check with your bank or card provider before you travel.<\/p>\n\n\n\n<p>To locate the nearest ATM during your trip, use these global ATM locators:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.mastercard.com.sg\/en-sg\/personal\/get-support\/find-nearest-atm.html\">Mastercard ATM locator<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.visa.com\/locator\/atm\">Visa ATM locator<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-krabi\/\"><strong>Top 15 Things To Do In Krabi, Thailand Right Now<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"where-to-find-atms-in-thailand\"><strong>Where to Find ATMs in Thailand<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATMs are everywhere in Thailand\u2019s major cities and towns. These are some common, convenient locations to withdraw Thai Baht from with your Mastercard or Visa card:&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/11-2.png\" alt=\"Thailand ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2025\" class=\"wp-image-72828\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/11-2.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/11-2-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/11-2-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank branches, street corners, and shopping malls&nbsp;<\/li>\n\n\n\n<li>Convenience stores: 7-Eleven, FamilyMart, and other mini-marts&nbsp;<\/li>\n\n\n\n<li>Major airports: Great for a quick withdrawal as soon as you land, but expect higher fees&nbsp;<\/li>\n\n\n\n<li>Gas stations&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banks:<\/strong><br><br>1\ufe0f\u20e3 <strong>Aeon Bank&nbsp;<\/strong>\u2014 Locate your ATM <a href=\"https:\/\/www.aeon.co.th\/aeon\/services-location\/?&amp;language_id=1\">here<\/a><br>Tip: AEON Bank ATMs charge one of the lowest fees \u2014 150 THB (~S$6) per withdrawal. Find them in Big C, Tesco Lotus, and Makro stores.<br><br>2\ufe0f\u20e3 <strong>Bank of Ayudhya (Krungsri)<\/strong>&nbsp;\u2014 Locate your ATM <a href=\"https:\/\/www.krungsri.com\/en\/locations\">here<\/a><br><br>3\ufe0f\u20e3 <strong>Bangkok Bank&nbsp;<\/strong>\u2014 Locate your ATM <a href=\"https:\/\/www.bangkokbank.com\/en\/Locate-Us\">here<\/a>&nbsp;<br><br>4\ufe0f\u20e3 <strong>Krungthai Bank<\/strong>&nbsp;\u2014 Locate your ATM <a href=\"https:\/\/krungthai.com\/en\/contact-us\/ktb-location\">here<\/a><br><br>5\ufe0f\u20e3 <strong>Siam Commercial Bank&nbsp;<\/strong> \u2014 Locate your ATM <a href=\"https:\/\/scb.banks.info\/thailand\">here<\/a><\/li>\n<\/ul>\n\n\n\n<p><em>*The information stated above is true as of 2 March 2026<\/em><\/p>\n\n\n\n<p><em><em>\ud83d\udcd6<\/em> Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-phuket\/\"><strong>15 Things To Do In Phuket, Thailand Right Now<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-withdraw-cash-at-thailand-atms\"><strong>How to Withdraw Cash at Thailand ATMs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1920\" style=\"aspect-ratio: 1080 \/ 1920;\" width=\"1080\" controls poster=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/Screenshot-2025-03-21-at-4.23.31\u202fPM.png\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/Repurpose-Thailand-ATM-withdrawal.mov\"><\/video><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><strong>How you can withdraw Thai Baht with YouTrip at Thailand ATMs:<\/strong><br><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1773201444587\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying any of these logos and insert your YouTrip card\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773201483970\"><strong class=\"schema-how-to-step-name\">Select <strong>\u2018Saving account\u2019<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773201488718\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1773201493968\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in THB<\/strong> <p class=\"schema-how-to-step-text\">Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month with a 2% fee imposed thereafter\u00a0<\/p> <\/li><\/ol><\/div>\n\n\n\n<p>And there you have it \u2014 you won\u2019t ever have to worry about running out of cash in Thailand.<\/p>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\"><strong>YouTrip Withdrawal Guide For Singaporeans: ATM Fees &amp; Limits<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong> get your YouTrip card here<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"thailand-atm-fees\"><strong>Thailand ATM Fees<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Withdrawing cash from an ATM in Thailand isn\u2019t free (unfortunately). Here\u2019s a breakdown of what you might be charged:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Local ATM fees: <\/strong>Most ATMs in Thailand charge a standard local fee of <strong>220 THB (~S$9) <\/strong>per withdrawal when using a foreign card. However, fees can range between <strong>150-250 THB fee&nbsp; (~S$6-S$10),<\/strong> depending on the card and ATM you use.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your Bank\u2019s fees: <\/strong>Your Singapore bank might add its own charges, which could be a fixed amount or a percentage of the withdrawal amount. Do check with your bank before your trip to avoid any surprises!<\/li>\n<\/ul>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em><\/em><\/em> <em><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/tips-to-save-money-in-thailand\/\">10 Tips To Save Money In Thailand<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tips-to-minimise-atm-fees-in-thailand\"><strong>Tips to Minimise ATM Fees in Thailand&nbsp;<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid ATMs located in mini-marts or hotel lobbies, as they may charge higher fees than the standard 220 THB (~S$9)<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Locate ATMs that partner with your home bank for potentially lower fees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Avoid using bank cards which charge a <strong>2-3% fee for foreign transactions<\/strong> and a <strong>2-8% fee on ATM withdrawals<\/strong>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use a multi-currency card like YouTrip, which offers competitive THB exchange rates with <strong>zero FX<\/strong> <strong>fees<\/strong>, and offers <strong>free monthly ATM withdrawals of S$400.<\/strong> Do note that a 2% fee will be imposed thereafter.<\/li>\n<\/ul>\n\n\n\n<p><em><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em><\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/bangkok-bts-guide\/\"><strong>BTS Bangkok Guide: BTS Map, Routes, Prices, Cards, How to Use<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"thailand-atm-cash-withdrawal-limits\"><strong>Thailand ATM Cash Withdrawal Limits&nbsp;<\/strong>&nbsp;<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Most banks in Thailand have a maximum withdrawal limit between <strong>20,000 THB and 30,000 THB (~S$809-S$1,214) <\/strong>per withdrawal.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em> <\/em><strong><em><a href=\"https:\/\/www.you.co\/sg\/blog\/chiang-mai-lantern-festival\/\">Chiang Mai Lantern Festival: Guide to Tickets, Dates &amp; Magical Yi Peng<\/a><\/em> <\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exchange-rates-conversion-fees-thailand\"><strong>Exchange Rates &amp; Conversion Fees in Thailand<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>When withdrawing cash at a Thai ATM, you might be asked whether you wish to withdraw in Thai Baht (THB) or Singapore Dollars (SGD). <strong>Always choose THB!<\/strong> If you select SGD, the ATM applies Dynamic Currency Conversion (DCC), which gives you a poor exchange rate with extra fees.&nbsp;&nbsp;<\/p>\n\n\n\n<p>On top of that, some Thai banks also add a 1% markup on exchange rates, so keep this in mind when calculating your total costs.<\/p>\n\n\n\n<p><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/bangkok-to-chiang-mai\/\"><strong>Bangkok to Chiang Mai: Bus, Train, Plane, Taxi or Car?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-avoid-extra-fees-on-exchange-rates\"><strong>How to Avoid Extra Fees on Exchange Rates<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Short Answer: <\/strong>Use a multi-currency card.<\/p>\n\n\n\n<p>When travelling overseas, it&#8217;s important to get a multi-currency card that can help you save on foreign exchange rates and pesky fees. A multi-currency card allows you to spend like a local without the usual markups or extra charges your typical bank would normally charge \u2014 some even waive the FX fees entirely.<\/p>\n\n\n\n<p>Below is a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Amaze<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>THB Exchange Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.73 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.71 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.58 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.70 THB<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 24.32 THB<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:<\/strong> 1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Transaction Fee:<\/strong>&nbsp;None<br><br><strong>Currency Conversion Fee:&nbsp;<\/strong>From 0.26%<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX transactions:&nbsp;<\/strong>No fees<br><br><strong>Domestic (SGD) Transactions:&nbsp;<\/strong>1% fee (min. S$0.50) when paired with a linked card<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">S$400 free per month<br><br>*2% fee applies thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">S$350\/5 withdrawals free per month<br><br>*2% fee applies thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>From 1 May 2026:<\/strong><br>S$100 free per month<br><br>*1.75% fee applies thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">2% fee on all amounts withdrawn<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates taken as of 2 Mar 2026<\/em><\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related Guide: <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\">Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"atm-safety-tips\"><strong>ATM Safety Tips<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use ATMs in well-lit, busy areas: <\/strong>Avoid sketchy, isolated machines&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check for any ATM tampering: <\/strong>If the card slot or keypad looks dodgy, find another ATM&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Shield your PIN: <\/strong>Always cover the keypad when entering your PIN to protect yourself from skimming scams. These scams involve criminals installing hidden devices at point-of-sale terminals or gas pumps to capture card data and PINs to create fake cards and make unauthorised transactions.<\/li>\n<\/ul>\n\n\n\n<p><em><em><em>\ud83d\udcd6<\/em> Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-chiang-mai\/\"><strong>21 Things To Do In Chiang Mai: What To Do, See, Eat<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"youtrip-country-atm-guides\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83c\uddf2\ud83c\uddfe<strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand ATM Withdrawal Guide<\/strong><\/a><br><strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia ATM Withdrawal Guide<\/a><\/strong><br><strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia ATM Withdrawal Guide<\/strong><\/a><br><strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddff\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/south-africa-atm-withdrawal-guide\/\">South Africa ATM Withdrawal Guide<\/a><\/strong><br>\ud83c\uddf5\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/philippines-atm-withdrawal-guide\/\">Philippines ATM Withdrawal Guide<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Exchange &amp; Lock in the Best THB Rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/10-5.png\" alt=\"Thailand ATM Withdrawal Guide: Fees, Locations, Exchange Rates 2025\" class=\"wp-image-72829\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/10-5.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/10-5-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/03\/10-5-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Getting cash in Thailand doesn\u2019t have to be a headache. Stick to AEON Bank ATMs for low local ATM fees, check the fees before hitting &#8220;OK&#8221;, and keep some smaller Thai Baht bills for day-to-day expenses. Plus, don&#8217;t forget to bring along your YouTrip card for the <a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-thb-rate\/\">best THB rates<\/a> all day and enjoy free* S$400 ATM withdrawals monthly! With this guide, you\u2019ll be ready to enjoy Thailand without stressing about cash flow. Now go out there and have a blast!<\/p>\n\n\n\n<p>Not a YouTrooper yet? Singapore\u2019s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a&nbsp;<strong>free YouTrip card + S$5 YouTrip credits<\/strong>&nbsp;with code&nbsp;<strong>&lt;YTBLOG5&gt;<\/strong>.<\/p>\n\n\n\n<p>Then, head over to our<a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">&nbsp;YouTrip Perks<\/a>&nbsp;page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it. Join our Telegram (<a href=\"https:\/\/t.me\/s\/youtripsg\">@YouTripSG<\/a>) and Community Group (@YouTripSquad) for travel tips, event invites, and more!<\/p>\n\n\n\n<p>Happy travels!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#712d82\"><strong><a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-bangkok\/\">Best Things to Do in Bangkok<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/songkran-festival-guide\/\">Songkran Festival: A Guide For First-Timers<\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-sgd-to-thb-rate\/\">Best SGD to Thai Baht Rate in Singapore<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw THB worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":72827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8119,8117,624],"tags":[40185,40186,39245,40253],"class_list":["post-72809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-tips","category-itineraries","category-travel","tag-atm","tag-atm-withdrawal","tag-thailand","tag-thailand-atm"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/72809","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=72809"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/72809\/revisions"}],"predecessor-version":[{"id":85419,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/72809\/revisions\/85419"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/72827"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=72809"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=72809"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=72809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}