While we were soaking in the temples of Bangkok and shopping in the night markets of Bangkok, one question kept popping up: should we pay with cash or card? Here’s a breakdown of how to pay for everything in Thailand without hassle or unexpected fees.
When To Use Cash in Thailand
Cash is king in many parts of Thailand. Street food vendors, tuk-tuk drivers, markets, and even some guesthouses operate on a cash-only basis. It’s wise to always carry small bills and coins for easy transactions.
Using Credit and Debit Cards
Major hotels, large restaurants, shopping malls, and tourist attractions in cities like Bangkok or Phuket usually accept credit and debit cards. Visa and Mastercard are the most widely accepted. Always ask if there’s a surcharge—some places charge 3% for card payments.
ATM Tips and Foreign Fees
Withdrawing Thai Baht from local ATMs is convenient, but expect a 220 THB fee per transaction. Some banks, like AEON, may offer slightly lower fees. To save money, withdraw larger sums at once and check if your home bank reimburses foreign ATM fees.
Mobile Payments and E-Wallets
Mobile payment apps like PromptPay and TrueMoney are popular among locals, but not all travelers can easily access them. Stick to cash and cards unless you’re staying long-term and have a Thai bank account.
Safety Tips for Managing Money
Use hotel safes, split your cash into different bags, and avoid flashing large sums. Carry a backup card in case one gets lost or blocked.
Final Thoughts
Knowing when to use cash or card in Thailand can make your trip smoother and safer. A little planning goes a long way in keeping your travel wallet hassle-free.
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