Thailand Country Guide

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Banking

ATMS
You can find ATMs in all cities and large towns, and international withdrawals are not a problem.
More remote areas (including smaller islands) don't have banks or ATMs and therefore cash or traveller's checks are essential. Using a debit card at an ATM, typically provides a much better exchange rate than from a money exchange counter, especially if your bank does not charge transaction fees for overseas withdrawals. 

 
 
 
 
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Since early 2009, nearly all banks in Thailand charge a 150 baht fee for using foreign cards on their ATMs. Anyway, you'll be notified about this fee in any ATM which charges the fee, so you always have an option to cancel. Yellow Ayudhya (Krungsri) ATM's should be avoided. Not only do they charge a 150 baht fee, the exchange rate is not very competitive.

ATMs are available at Bangkok's Suvarnabhumi airport (BKK) after you collect your bags and clear customs. Though, advisable to fly into Bangkok with a small amount of baht, an ATM is available at the airport if you need one.

ATM from Siam Commercial Bank by Mattes

Money Exchangers
One notable money exchanger is SuperRich with branches in Bangkok at Silom, Ratchadamri, Khao San Road and Chatuchak. No fees are charged by SuperRich and the exchange rates are typically better than the bank's ATMs and with a very small buying and selling spread.

Many hotels and guest houses will exchange money for their guests but charge hefty commissions and offer poor rates. US dollars in small bills (1s, 5s, and 20s) are invaluable for onward travel to neighbouring countries (other than Malaysia) but are only useful in Thailand for exceptional purchases e.g. paying visa fees to enter Cambodia.

Credit Cards
Credit cards are widely accepted in the major tourist destinations including restaurants, shopping malls and shops catering to tourists. Fraud is regrettably common, so use them sparingly and tell your bank in advance, so your card does not get locked because you are using it. Some businesses add a surcharge (usually 2-3%) if you're paying by credit card. In this case, it can turn out cheaper to pay for the merchandise in cash.

Bangkapi Shopping Mall in Bangkok by Jarcje
 
Thailand
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