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Thread: Thai ATMs

  1. #1
    Excommunicated baldrick's Avatar
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    Thai ATMs

    because I am too lazy to search for the answers

    what bank ATMs are good - do any give more than 25k at a time ?

    and is the cost still 150 baht ?

  2. #2
    Guest Member S Landreth's Avatar
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    I have my account at Bank of Bangkok.


    I think now (I donít use it much) you can request up to 25,000.00 baht each time you use the ATM.

    However, like I have done before (when 10,000.00 baht was the max limit), you just stick the card in again and can request more money. IF you donít have a cap on the amount, youíre able to pull each day.

    Thereís no cost to withdraw money at the ATM. However, thereís a yearly fee (of 300 baht) to have the card.

    Last edited by S Landreth; 08-08-2022 at 11:00 AM.
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  3. #3
    Excommunicated baldrick's Avatar
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    thanks

    I should have specified an overseas card

    just trying to minimise the gouging at both ends of the transaction - eg 150 baht to the thai bank and 8 SGD from HSBC each withdrawal - so if I can take 50k at a time it is better than 25k twice

  4. #4
    Thailand Expat misskit's Avatar
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    Charles Schwab, and I would guess some other banks, have checking accounts that don’t charge for foreign ATM withdrawals AND refund any charges by the foreign banks.

    If you are not already here in Thailand, that is.

  5. #5
    Excommunicated baldrick's Avatar
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    I am back in thailand after 3 years away so just trying to find out if the banks have modernised in that time

    previously I would use a bangkok bank ATM and get 25k at a time

    I was wondering now if they had updated the ATMs to give 40 notes at a time

  6. #6
    Thailand Expat misskit's Avatar
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    I’ve not a clue about that. The most cash I take out is 10,000 baht. Anything over I use the same Bangkok Bank card as Landreth has or prompt pay.

  7. #7
    Thailand Expat armstrong's Avatar
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    Quote Originally Posted by baldrick View Post
    I am back in thailand after 3 years away so just trying to find out if the banks have modernised in that time

    previously I would use a bangkok bank ATM and get 25k at a time

    I was wondering now if they had updated the ATMs to give 40 notes at a time
    I can take out 30k a day on my kbank card.

  8. #8
    Thailand Expat
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    ^SCB the same

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    Thailand Expat harrybarracuda's Avatar
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    Quote Originally Posted by reinvented View Post
    ^SCB the same
    SCB you can set your ATM and transfer limits through the app/online banking. Although I have mine set at 30k anyway. Haven't tried making it higher.

  10. #10
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    Not sure if it's changed, but I used to go into a Thai bank and get a cash advance on a foreign credit card. It was a better exchange rate than changing cash, and the limit was the credit cards limit. I would then go online and transfer money from my foreign bank account to pay off the credit card, so I wouldn't incur interest charges.
    Originally Posted by sabang
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  11. #11
    Thailand Expat
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    Quote Originally Posted by pickel View Post
    Not sure if it's changed, but I used to go into a Thai bank and get a cash advance on a foreign credit card. It was a better exchange rate than changing cash, and the limit was the credit cards limit. I would then go online and transfer money from my foreign bank account to pay off the credit card, so I wouldn't incur interest charges.

    I never thought of that. Sounds like a great hack!

  12. #12
    Elite Mumbler
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    ^
    It was cheaper than wiring money from a foreign account into a Thai one as well.

  13. #13
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    I believe most banks charge 220 baht per withdrawal. Krungsri allows 30k withdrawals. It is certainly worth seeing if any banks you use refund the Thai charges

  14. #14
    Thailand Expat harrybarracuda's Avatar
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    Quote Originally Posted by baldrick View Post
    thanks

    I should have specified an overseas card

    just trying to minimise the gouging at both ends of the transaction - eg 150 baht to the thai bank and 8 SGD from HSBC each withdrawal - so if I can take 50k at a time it is better than 25k twice
    Look on some of the Facebook groups for WISE (Formerly Transferwise). They're extremely popular with a lot of people, and do cards and accounts (territory permitting) as well as transfers.

  15. #15
    Custom Title Changer
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    I'm a couple of years out of date, but I'd recommend Krungsri as their banking app was by far the best among the ones I tried. Also, I think you can ask the bank to set a daily withdrawal limit up to 100K per day.

  16. #16
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    My wife regularly draws cash at a local Sakokn Nakhom ATM from an Australian bank savings account (standard Thai woman!!!), but she checks the exchange rate of 3 banks in town before deciding where, as their rates often seem to vary, even from day to day, and not always following on-line rates. I think Krungthai bank shows the exchange rate current on the ATM and pay out baht prior to completing the withdrawal which is really handy, while it is a bit less visible at BKK and others, and there also seem to be different max withdrawal amounts from bank to bank.
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  17. #17
    Thailand Expat David48atTD's Avatar
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    From memory, the Thai ATM gives the cash first and spits out the card second, the opposite of what I'm used to in the West.

    So, just a heads up not to leave your card in the slot.

  18. #18
    Head Skivvie Stacker Storekeeper's Avatar
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    Quote Originally Posted by harrybarracuda View Post
    Look on some of the Facebook groups for WISE (Formerly Transferwise). They're extremely popular with a lot of people, and do cards and accounts (territory permitting) as well as transfers.
    That’s what I’ve been reading for a couple years now. Think that’s gonna be the route I take as well. Gonna set up an account and do a test run soon.

    Also planning to try what Pickel mentioned with going to the bank counter for a cash advance using a credit card.

  19. #19
    Thailand Expat
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    Just make sure you pay it in full or they will gouge you like nobody’s business!

  20. #20
    Thailand Expat harrybarracuda's Avatar
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    Quote Originally Posted by Storekeeper View Post
    That’s what I’ve been reading for a couple years now. Think that’s gonna be the route I take as well. Gonna set up an account and do a test run soon.

    Also planning to try what Pickel mentioned with going to the bank counter for a cash advance using a credit card.
    The only problem with Wise is that there is a convoluted process involved if you want to the money to be labelled on arrival, for example for property purchase.

    That's as much to do with Thailand's laws as anything.

  21. #21
    Hangin' Around cyrille's Avatar
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    Quote Originally Posted by S Landreth View Post
    I have my account at Bank of Bangkok.
    However, like I have done before (when 10,000.00 baht was the max limit), you just stick the card in again and can request more money.

    I did this yesterday at BKK Bank.

    Withdrew 25k with my card the first time, then 12k immediately after.

  22. #22
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    Quote Originally Posted by baldrick View Post
    because I am too lazy to search for the answers

    what bank ATMs are good - do any give more than 25k at a time ?

    and is the cost still 150 baht ?

    The 150 baht ATM fee went away around 10-12 years ago when the price of a beer was 5 cents and came with a free sandwich.

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