Thailand Payment Methods and Currency Exchange Guide

Thailand uses the Thai Baht (THB) as its official currency. Payment methods and currency exchange options are widely available, but cash remains essential in many areas.

• Official currency: Thai Baht (THB), currency code: THB.
• Payment methods: Cash is widely accepted. Credit and debit cards (Visa, Mastercard, JCB, UnionPay) are accepted in hotels, malls, and larger restaurants. Mobile payments (PromptPay, Alipay, WeChat Pay) are common in urban areas.
• Contactless payments: Increasingly available in Bangkok and major cities. Apple Pay and Google Pay are accepted at some international retailers.
• ATMs: Widely available; most accept international cards. Typical withdrawal fee: 220 THB per transaction for foreign cards.
• Currency exchange: Available at banks, airports, licensed exchange offices (e.g., SuperRich, Vasu Exchange). Exchange rates may vary.
• Foreign currency restrictions: Import/export of local or foreign currency exceeding 450,000 THB (approx. 12,500 USD) must be declared to customs.
• Cash import/export limits: No limit for amounts under 450,000 THB. Amounts above must be declared. For foreign currency, amounts over USD 20,000 (or equivalent) must be declared.
• Transaction fees: Foreign card surcharges may apply (typically 2–3%).
• Common issues: Some small businesses accept cash only. Notify your bank before travel to avoid card blocks.
• Major banks: Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank.
• Regulations: Follow Bank of Thailand and Customs Department advisories for up-to-date rules.