If you're planning to travel to Thailand, you might wonder if you have to carry Thai Bahts (THB), or if you can use your debit card while sightseeing and shopping abroad. Holidays should be relaxing, not stressful — and preparing in advance will help you avoid any unpleasant surprises in Thailand.Read on to find out if you can use your debit card while in Thailand, which ATMs are available to tourists, if you risk being charged extra fees, and much more.
Can I use my debit card in Thailand?
Whether you’re traveling for business or pleasure, using a debit card in foreign countries like Thailand can come in handy — not only for convenience but also as an extra measure in case you run out of Thai bahts. Generally speaking, many establishments in Thailand accept debit cards, especially cards affiliated with major international payment networks like Visa or Mastercard.
Are debit cards widely accepted in Thailand?
Debit cards have become increasingly popular and widely accepted in Thailand, especially in urban areas and tourist destinations. Many establishments, including restaurants, hotels, and retail stores, have card payment terminals that accept debit cards from major international networks like Visa and Mastercard.While major cities and tourist areas in Thailand typically accept debit cards, some smaller shops, local vendors, or remote locations may only accept cash. Carrying some Thai Bahts for these situations is always a good idea.
Tips for using your debit card in Thailand
Follow our tips for a smooth and secure experience when using your debit card in Thailand:
- Before traveling to Thailand, notify your bank about your travel plans. This prevents your card from being flagged for suspicious activity, and you can access your funds without any fuss.
- Always carry some Thai Bahts for small purchases, street vendors, or establishments that only accept cash.
- When using your debit card or ATMs in Thailand, always opt to be charged in Thai Baht to avoid higher exchange fees. The exchange rate offered by your bank will usually be a better deal than the rate at the ATM or card terminal, so it’s smart to pay in local currency.
- Keep your debit card secure, and always cover the keypad when entering your PIN.
- Use ATMs in well-lit and secure areas, such as banks or shopping malls. Withdraw larger amounts less frequently, and try to choose ATMs with lower withdrawal fees.
- Always check your transaction receipts and monitor your account activity regularly. Report any unauthorized transactions to your bank immediately.
Using ATMs in Thailand
Most ATMs in Thailand are equipped to accept international debit cards. These ATMs typically display logos of international card networks like Visa and Mastercard. When inserting your card, the ATM usually prompts you to choose your preferred language and transaction type. The withdrawal limits at Thai ATMs vary, but on average, expect a limit of around ฿25,000 Thai bahts.Several banks in Thailand are known for being more accommodating to international cardholders, including Aeon Bank, Bangkok Bank, Bank of Ayudhya (Krungsri), Krungthai Bank, and Siam Commercial Bank. You can also use ATMs in bank branches, shopping malls, post offices, and 7-Eleven convenience stores. Be aware that rural areas and smaller islands have fewer ATM options, so plan to have enough bahts before traveling around.
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Foreign transaction fees to look out
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FAQs
Which debit card networks are accepted in Thailand?
Is it safe to use your debit card in Thailand?
Can I use my debit card to withdraw cash in Thailand?
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Is it safe to use ATMs in Thailand?
What should I do if my debit card is lost or stolen in Thailand?
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Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
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N26 gives you the real exchange rate and won’t charge currency exchange rates when paying abroad. Sign up to save on your next trip.
Foreign currency exchange is how you measure the value between two different currencies. Read our guide to learn more.
Need to make a payment overseas? Check out our guide to foreign transactions and the fees that may come with them.
