Every Thai ATM charges a flat ฿220 fee per withdrawal — on top of whatever your home bank charges. Find out exactly what you are paying and which card saves the most money.
Enter the amount in Thai Baht (THB) you plan to withdraw each time.
Range: ฿1,000 – ฿30,000 THB
Select your card type to see the exact fees you will pay.
Withdrawing ฿5,000 using Wise Debit Card
Thailand ATM Fee
Charged by all Thai ATMs — fixed flat fee
Foreign Transaction Fee
0% of withdrawal amount
FX Spread Cost
0.35% exchange rate markup
Total Extra Cost
Approx. $0.50 USD / £0.40 GBP
🏆 First 2 ATM withdrawals free per month (up to $100 equivalent). After that, 1.75% fee applies.
Apply at wise.com
Ranked by total fees — lowest cost first. Click a card to see its full breakdown.
| Rank | Card | Total Fees |
|---|---|---|
| 🏆 | Charles Schwab (US only) Charles Schwab Investor Checking | FREE |
| 🥈 | Wise Debit Card Wise (formerly TransferWise) | ฿17 |
| 🥉 | Revolut Revolut | ฿220 |
| #4 | Travel card (no foreign tx fee) Generic no-fee travel card | ฿295 |
| #5 | Regular bank (1-2% fee) Standard high-street bank | ฿420 |
| #6 | Regular bank (3%+ fee) High-fee bank | ฿545 |
The ฿220 fee is fixed — it does not matter if you withdraw ฿500 or ฿30,000. So make every withdrawal count.
฿1,250
5 × ฿2,000 withdrawals
5 × ฿220 ATM fees = ฿1,100 in fees alone
฿370
1 × ฿10,000 withdrawal
Only ฿220 ATM fee. Much smarter.
You save ฿880 by withdrawing less frequently!
These travel cards eliminate most of the hidden fees — saving hundreds of baht on every trip.
Wise Debit Card
BEST PICKRevolut
GREAT* US travellers: Charles Schwab Investor Checking reimburses ALL ATM fees worldwide — the best US option.
Since 2016, all Thai ATMs charge a fixed ฿220 surcharge to foreign cards — this is mandatory across all banks (Bangkok Bank, Kasikorn, SCB, etc.) and cannot be avoided.
On top of this, your home bank may charge a foreign transaction fee (typically 1–3%) and apply a poor exchange rate (adding a hidden 2–3.5% spread). Combined, a typical bank could cost you ฿500–700 extra on a ฿10,000 withdrawal.
The best strategy: use a travel card like Wise or Revolut, and withdraw large amounts infrequently to minimise how often you pay the ฿220 flat fee.
