ATMs & Cash
Practical guides to getting baht in Thailand for less: ATM fees, withdrawal limits, conversion traps, how much cash to bring and what to do if a card goes missing.
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Guides in this section
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Thailand ATM Fees for British Travellers
The ฿220 fee, every bank compared, and the cheaper machines.
Read the guide →
How to Withdraw Cash in Thailand
Every screen at a Thai ATM, and what to press.
Read the guide →
ATM Withdrawal Limits in Thailand
Per-withdrawal and daily limits, by bank and by card.
Read the guide →
Thai ATM Dynamic Currency Conversion
Why you should always press "decline" — and what it costs if you don't.
Read the guide →
How Much Cash to Bring from Britain
Sterling, baht or neither — what to carry when you land.
Read the guide →
Cash vs Cards in Thailand
Where you need cash, where cards work, and what each costs.
Read the guide →
Lost or Stolen UK Bank Card in Thailand
What to do in the first hour, and how to get money fast.
Read the guide →
ATM Safety and Card Fraud in Thailand
Skimmers, scams and how to protect your cards.
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Thai ATM Fees at a Glance
What each major Thai ATM network charges a UK card, and how much it lets you take out in one go. Fewer, larger withdrawals mean fewer fees.
Read the ATM Fees Guide →| ATM network | Fee (foreign card) | Typical max per withdrawal | Where you'll find them | Good to know | Read Guide |
|---|---|---|---|---|---|
| AAEON | ฿150 (reported) | Up to ฿20,000 | Shopping centres and large supermarkets | Cheapest network for UK cards | Read → |
| BBangkok Bank | ฿220 | Up to ฿20,000–30,000 | Branches, malls and 7-Eleven | Very widespread | Read → |
| KKrungsri | ฿220 | Up to ฿30,000 | Branches, malls and shops | Higher limit on many machines | Read → |
| SSCB | ฿220 | Up to ฿20,000–30,000 | Branches, malls and shops | Widespread | Read → |
| KKasikornbank | ฿220 | Up to ฿20,000 | Branches, malls and shops | Widespread | Read → |
| KKrungthai | ฿220 | Up to ฿20,000–25,000 | Branches and government offices | Good outside tourist areas | Read → |
Typical figures for UK cards, as charged and widely reported in 2026 — individual machines vary, and the fee is always shown on screen before you confirm. Your UK bank may add its own fee on top.
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How to get cash for less
Frequently Asked Questions
View all FAQs →How much does it cost to use an ATM in Thailand with a UK card?
Most Thai bank ATMs charge a flat ฿220 per withdrawal with a foreign card — about £5 — whatever the amount. AEON machines have been widely reported at ฿150. Your UK bank may add its own fee on top, which is why a fee-free card such as Chase or Starling matters.
How much can I withdraw from a Thai ATM at once?
Typically between ฿20,000 and ฿30,000 per withdrawal at the major banks, depending on the bank and machine. Your UK card's own daily limit also applies — for example £500 a day on Chase and £300 on Starling.
Should I accept or decline conversion at a Thai ATM?
Always decline. If you accept, the machine converts your withdrawal into pounds at its own rate, which travellers have found around 6% to 9% worse than their card's rate. Declining keeps the transaction in baht.
Is it better to bring cash or use ATMs in Thailand?
For most visitors, a fee-free UK card at Thai ATMs is the simplest option, with a small amount of baht or sterling for arrival. For large sums, exchanging clean sterling notes at a specialist counter in a city can be slightly cheaper.
What happens if a Thai ATM keeps my card?
Freeze the card in your banking app straight away. If the machine is at an open bank branch, go inside with your passport — the bank may be able to return it. Otherwise order a replacement and use a backup card.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we check every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account — this never changes the price you pay.
