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Thailand ATM fees for foreigners
Thai ATMs charge foreign cards a ฿220 terminal fee on top of your card’s roughly 3% FX markup and any home-bank fee — so a withdrawal can lose about 4–6% versus the mid-market rate.
The ฿220 fixed fee hurts most on small withdrawals, so taking out larger amounts less often reduces its bite — balanced against safety and your card’s own limits.
The comparison below shows what a $300 withdrawal actually lands as.
What $300.00 actually lands as
Mid-market says $300.00 = ฿9,994.50. Here's what each channel really delivers — the clay slice is what leaks to fees and spread.
≈ 0.6% fee, at the mid-market rate
3% card FX markup + ฿220 Thai terminal fee + ~$5 home-bank fee
≈ 5.5% spread
On $300.00, the atm withdrawal route leaks about $20.45 versus mid-market — roughly $18.65 more than a low-fee transfer.
Keep more of your money
A low-fee transfer at the mid-market rate loses the least. Two we'd start with:
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Fee assumptions last checked mid-2026.
Questions & answers
- How much do Thai ATMs charge foreign cards?
- Most Thai ATMs add a fixed ฿220 fee per withdrawal, separate from your own card’s foreign-transaction markup (around 3%) and any home-bank fee.
- How do I avoid ATM fees in Thailand?
- Withdraw larger amounts less frequently to spread the ฿220 fixed fee, always choose to be charged in baht (decline the ATM’s currency conversion), and use a card with low or no foreign-transaction fees.