ATM Fees in Thailand on Foreign Cards — ฿250 on Visa, ฿350 on Mastercard at Every Major Bank, and a 5% Conversion Charge at Krungthai (Checked 24 September 2026)
The fee schedules of eight Thai banks on 24 September 2026 all charge ฿250 per withdrawal on a foreign Visa card and ฿350 on a foreign Mastercard, not the ฿220 many guides still quote. What that costs as a percentage, Krungthai's 5% charge if you accept conversion on screen, and the counter withdrawal that is cheaper.
We read the fee schedule of every major Thai bank on 24 September 2026. All eight charge the same for a withdrawal with a card issued abroad: ฿250 with Visa, ฿350 with Mastercard. The ฿220 figure that many travel guides still print is out of date. Mastercard's ฿350 took effect between March and April 2026, depending on the bank.
The fee at each bank
| Bank | Visa | Mastercard | UnionPay | JCB | American Express | Fee schedule |
|---|---|---|---|---|---|---|
| Bangkok Bank | ฿250 | ฿350 | ฿250 | – | ฿50 | effective 1 Jul 2026 |
| Kasikornbank | ฿250 | ฿350 | ฿250 | – | – | effective 22 Sep 2026 |
| SCB | ฿250 | ฿350 | ฿250 | ฿250 | ฿50 | effective 1 Sep 2026 |
| Krungthai | ฿250 | ฿350 | ฿250 | ฿250 | ฿50 | effective 1 Sep 2026 |
| Krungsri | ฿250 | ฿350 | ฿250 | ฿250 | ฿50 | effective 11 Mar 2026 |
| TTB | ฿250 | ฿350 | ฿250 | – | – | effective 10 Sep 2026 |
| Government Savings Bank | ฿250 | ฿350 | ฿250 | – | ฿50 | effective 25 Mar 2026 |
| UOB Thailand | ฿250 | ฿350 | ฿250 | – | ฿50 | effective 1 Jul 2026 |
A dash means the schedule does not list that card. We found no schedule for Kiatnakin Phatra or CIMB Thai ATMs. We also found no primary source for any ATM network in Thailand that waives the fee, AEON included, so we do not recommend one.
This is only the Thai ATM's fee. Your own bank may add a foreign-transaction or cash-withdrawal charge on top, and the card network sets the exchange rate.
What it costs as a percentage
| Withdrawal | Visa ฿250 | Mastercard ฿350 |
|---|---|---|
| ฿2,000 | 12.5% | 17.5% |
| ฿5,000 | 5.0% | 7.0% |
| ฿10,000 | 2.5% | 3.5% |
| ฿20,000 | 1.25% | 1.75% |
The fee is the same whatever you take out, so the percentage falls as the amount rises. Krungthai's maximum per withdrawal is ฿20,000, from its fee schedule. We could not find the limit in the other banks' own documents; secondary sites quote ฿20,000 to ฿30,000 and contradict each other. Your card's daily limit at home may be lower.
If you hold both a Visa and a Mastercard, use the Visa at Thai ATMs. The difference is ฿100 on every withdrawal.
The screen to decline
Near the end of a withdrawal some ATMs offer to charge you in your home currency at a "guaranteed" rate. Krungthai's fee schedule is the only one we found that prices this: accepting it costs 5% of the amount withdrawn, on top of the ฿250 or ฿350. That is ฿1,000 extra on a ฿20,000 withdrawal. Choose the option that shows the amount in baht only ("without conversion" or "decline"). The other banks' schedules do not mention the option at all. That does not mean they never offer it, so read the screen at any ATM.
Cheaper than the ATM
- Withdraw at a bank counter with a credit card. SCB charges ฿180 per counter withdrawal on a foreign Visa or Mastercard credit card (debit cards are not accepted); Krungthai charges ฿200. Bring your passport. Your card issuer will probably treat it as a cash advance and may charge interest from that day.
- Exchange cash. On the evening of 23 September, SuperRich's head office in Ratchadamri paid ฿33.18 per US dollar, against Kasikornbank's posted ฿32.84. On $500 that is ฿172 more, with no ATM fee. Rates for euros and pounds, and the airport branch, are in where to exchange money in Thailand.
- Pay by card where you can, in baht, and keep ATM trips to a few large withdrawals.
- Open a Thai account if you are staying for months. You can then bring money in once and pay by QR code like everyone else. See how to open a Thai bank account and how to send money to it.
Sources and last check
All fees are from each bank's own fee schedule, linked in the table, read on 24 September 2026. Bangkok Bank's schedule is a scanned document; its foreign-card fees are on page 25 (items 29.8–29.10). Bangkok Bank's site lists newer schedules dated 27 July and 1 September 2026 that we could not download, so its row uses the 1 July edition. Exchange rates are from SuperRich's and Kasikornbank's published rate pages on 23 September 2026.