TL;DR:Expect ATM service fees (≈150–220 THB) and per‑withdrawal limits (often up to 20,000 THB); use PromptPay/QR for cheap local transfers and bank apps or specialist services for international transfers.
If you’re visiting or living in Thailand, handle cash and digital payments together. ATMs accept Visa/Mastercard (AmEx less common); many charge a service fee for foreign cards (typically 150–220 THB) plus your home bank’s FX fee — withdraw larger amounts less often. ATMs usually dispense up to 20,000 THB per transaction; daily limits depend on your card and Thai ATM settings. Use chip-and-PIN cards, cover the keypad, avoid isolated machines at night, and carry a backup card. For local transfers and everyday payments use PromptPay/QR: instant, low-cost transfers via mobile number, national ID, or QR code; most Thai bank apps and e‑wallets support it. Thai bank apps (Bangkok Bank, Kasikorn, SCB) handle branch transfers, bills, and cross-border SWIFT payments; international transfers incur SWIFT and receiving‑bank fees, so compare services (banks vs Wise/Remitly). Before travel register your card with your bank, enable EMV/3D Secure, and keep one small amount of Thai cash for markets and taxis. Official guidance: Bank of Thailand on consumer protection and PromptPay pages.
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