Thailand ATM Fees for Foreign Cards: THB 220 to 350
A Thai ATM charges a foreign card THB 250 per withdrawal for Visa and THB 350 for Mastercard at Kasikornbank, Krungsri and SCB. Krung Thai charges THB 220 for both. Decline conversion at the machine: Krung Thai adds 4% when you accept it.
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Expect to pay THB 250 per withdrawal on a Visa and THB 350 on a Mastercard at KBank, Krungsri and SCB, and say no when the machine offers to convert the currency for you.
What each bank charges you
Each bank sets its own access fee for cards issued abroad.
| Bank | Visa | Mastercard |
|---|---|---|
| Kasikornbank (KBank) | THB 250 | THB 350 |
| Krungsri | THB 250 | THB 350 |
| SCB | THB 250 | THB 350 |
| Krung Thai | THB 220 | THB 220 |
If you carry both networks, use the Visa at these ATMs. Krung Thai is the cheapest of the four, and its English table is older than the others, so the machine screen is the final check.
One big withdrawal beats several small ones
The fee is per transaction, so the count matters more than the amount. Three Visa withdrawals at KBank cost THB 750 in fees, and KBank lets one withdrawal go up to THB 30,000. Krung Thai caps foreign Visa and Mastercard withdrawals at THB 20,000.
Say no to conversion at the machine
At Krung Thai the conversion offer costs 4% of the amount withdrawn in the currency of the issuing bank.
The table charges it additionally when you select the service, so it comes on top of the access fee. Choose the baht option instead.
Cheaper routes
An American Express card pays less: THB 50 per withdrawal at Krungsri and at SCB for a card issued abroad. At a Krungsri branch counter, an international Visa card pays THB 200, which is THB 50 less than its ATM.
To see where these fees sit in the cost of a whole trip, see the Thailand trip budget.
Not confirmed: Bangkok Bank and ttb show no foreign-card ATM fee in their English pages; ask the bank before relying on a figure. What your own bank adds on top: Thai bank pages do not say, so check your card terms. KBank's PAY&TOUR card costs THB 20 per withdrawal; ask a branch for the visitor rules.
Common questions
How much is the ATM fee in Thailand for a foreign card?
THB 250 per withdrawal for Visa and THB 350 for Mastercard at KBank, Krungsri and SCB. Krung Thai charges THB 220.
Which Thai bank has the lowest ATM fee for foreign cards?
Krung Thai at THB 220 for Visa and Mastercard. That is THB 30 below KBank's THB 250 for a Visa withdrawal.
Should I accept currency conversion at the ATM?
No. At Krung Thai the conversion costs 4% of the amount withdrawn on top of the access fee.
Does American Express cost less?
Yes at Krungsri and SCB, where an international American Express card costs THB 50 per ATM withdrawal.
What is the maximum ATM withdrawal in Thailand?
KBank sets THB 30,000 per transaction. Krung Thai caps foreign Visa and Mastercard withdrawals at THB 20,000.
Read next
Sources and reader comments
Company and press pages (not official sources):
- Kasikornbank (KBank): Announcement Table 3, service fees, effective 22 September 2026 (opens in a new tab)
- Krung Thai Bank: Table 3 service fees, English (PDF modified 2 October 2023) (opens in a new tab)
- Krungsri (Bank of Ayudhya): service fees, Electronic Banking Services, effective 1 September 2026 (translation for reference) (opens in a new tab)
- Siam Commercial Bank (SCB): card and electronic service fees, 2026 notice (Thai) (opens in a new tab)
- Kasikornbank (KBank): K-ATM services (opens in a new tab)
General information checked against the sources listed above, not financial or tax advice for your situation. Rules and fees change; confirm with your bank, the Revenue Department or a licensed adviser before you act. See how guides are checked.
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Comments (3)
InterestingWanderer
Feel bad for her as it can easily happen to anyone. But four days to get it back is pretty normal. Not many ATMs are opened daily by the bank. That's why I always travel with several cards and a bit of cash. Once at the hotel, some cards come with me and some stay in the hotel safe. I always have at least a hundred dollars or so just in case too. That's just reducing risk and having a back up if something goes wrong.
meliax
Why are ATM fees so absurdly high? I've traveled to well over 50 countries and I've never been to any other country where ATMs charge a flat fee as high as in Thailand. As someone who loves using cash but also prefers not to have too much on me at any time the ATM situation here is so annoying. Why don't they just use a percentage method like most countries do? I love this country but 250 baht is truly extortionate. At this point they're just incentivizing people to stuff their pockets full of 1000 baht bills and become a pickpocket's wet dream.
_w_8
For which banks? I thought Bangkok bank still charges outside the original province where you opened bank account