travel debit card thailand

Editorial note: We may not cover every product in this category. For more information, see our Editorial guidelines .

The 6 best travel money cards for thailand in 2024.

There's so much to see and do in Thailand!

So, you need a reliable travel money card to get you around.

In some places such as the local markets in Thailand, taking some Thai baht cash is handy.

Although, when you're paying retailers (such as accommodation, entertainment, restaurants or tours) taking a travel money card with you to Thailand is better.

To save you time, we have looked at the best Australian travel cards to help you make the best decision for your trip to Thailand.

6 Best Travel Money Cards for the Thai baht:

• Wise Travel Card Best exchange rates
• Revolut Multi Currency Car d  For low fees
• Travelex Money Card Best all rounder
• Westpac Travel Card Best card to use overseas
• Bankwest Breeze Platinum Credit Card One of the best credit cards for travel
• ING One Low Rate Credit Card Best with no annual fee

Wise Travel Card - Best Exchange Rates

• 40+ currencies available
• Best exchange rates globally
• One of the lowest conversion fee on the market
• No international transaction fees
• No annual or monthly fees
• Extremely low costs to send money overseas

Wise Travel Card

• Cross currency conversion fees are between 0.24–3.69%. AUD to USD, EUR or GBP was 0.42%, which is one of the lowest on the market
• Free cash withdrawals up to $350 every 30 days. However after that, Wise Card charge a fixed fee of $1.50 per transaction + 1.75%
• Daily ATM withdrawal is $2,700
• Issue up to 3 virtual cards for temporary usage
• It takes between 7 to 14 business days to receive your card
• Can be used wherever MasterCard is accepted

The Wise Travel Card is a great financial companion for those traveling to Thailand, offering a range of features well-suited for international visitors. This card provides access to over 40 currencies at the interbank exchange rate, the most economical rate globally. For travelers to Thailand, this means they can convert their home currency into Thai Baht (THB) at very competitive rates, ensuring cost-effective transactions during their stay. However if you use ATMs frequently this is not the card to use due to the fees. Finally Wise Travel Card lets you transfer money to an overseas bank account with extremely low fees and the best exchange rate.

Revolut - Low Fees

• 30+ currencies available
• One of the best exchange rates globally
• No annual or monthly fees for standard membership
• No initial card fee
• Instant access to a range of cryptocurrencies

Read our Revolut Card Review

Revolut Travel Card

• No fee ATM withdrawals up to A$350, or 5 ATM withdrawals, whichever comes first, per rolling 30 day period and 2% of withdrawal amount (minimum charge of A$1.50) after that
• Exchanging currency on the weekend can incur a 1% mark-up fee
• Fees on international money transfers were introduced in April 2021.
• Can be used wherever Visa is accepted

The Revolut Travel Card is a decent option for those who travel a lot as it offers over 30 currencies at a great exchange rate, which is the cheapest rate globally. However if you exchange currency on the weekend you can incur a one-percent mark-up fee. In addition they have introduced fees for international transfers. Finally if you use ATMs frequently this is not the card to use due to the fees.

Travelex Money Card - Best All Rounder

Best features.

• Unlimited free ATM withdrawals
• 24/7 Emergency Assistance
• Initial and replacement card are free
• Lock in up to 10 currencies

Read our Travelex Card Review

Travelex Money Card

• Minimum load of $100 and maximum load of $100,000
• Can be used wherever Mastercard is accepted
• Fees include a $10 closure fee, $5 for an additional card and $4 inactivity monthly fee.
• While Travelex don't charge ATM fees, some ATM operators may charge their own fees.
• Currencies that can be loaded are AU$, US$, EU€, GB£, NZ$, TH฿, CA$, HK$, JP¥, SG$
• If your card is lost or stolen you can access cash in your account through Moneygram or Western Union agents, with no charge
• Boingo hotspots offer free wifi and you can look at their number of free hotspots per country on this map

The Travelex Money Card is a good all rounder no matter if you are heading to Bangkok, Phuket or an island like Ko Samui.

You can use it to take money out of the ATM, for merchant purchases like restaurants and even for online shopping in foreign currency. While the exchange rates aren't as good as Wise or Revolut for spending abroad , the support network if the card is lost or stolen is very good.  This can be really handy when holidaying through Thailand.

Westpac Worldwide Wallet for Prepaid Travel Money Card

• Great exchange rate for Thai Baht of prepaid cards
• No foreign transaction fees
• No fee on initial card, load, unload or inactivity fees
• Free additional card
• Flight delay pass

Westpac Worldwide Wallet Prepaid Card

• 2 cards per account for free
• Lock in great currency exchange rates on Thai baht before you leave
• No cross currency transactions fees
• $50,000 maximum limit on currencies loaded on to travel card
• $2,000 maximum limit on ATM withdrawals overseas within 24 hours
• No foreign transaction fees, initial card, load, unload or inactivity fees
• $3 roughly for ATMs that are not within the Non Westpac Global Alliance
• Secure from fraudulent transactions with Mastercard Zero Liability protection
• According to the Westpac it can take up to 8 business days to receive the travel card
• 11 currencies can be loaded: AUD, THB, USD, EUR, GBP, NZD, CAD, HKD, JPY, SGD & ZAR
• If you run out of one currency on the card, you can pay with other currencies without the expensive cross currency transaction fee

If you want great exchange rates for Thai baht and a traditional travel money card, then the Westpac Worldwide Wallet is one of the best prepaid cards for international travel with very low fees and no foreign transaction fees.

It is worth noting that for cash withdrawals at ATMs most banks will charge a 200 baht fee for using a foreign card, though Aeon Bank’s rate is a little lower at 150 baht. As this is a flat rate per transaction.

Finally it has access to a flight delay pass in case your flights are delayed and you need to access airport lounges.

Bankwest Breeze Platinum Credit Card - Lowest Interest Rate

• Lowest interest rate at 9.90%
• No international transaction fees on purchases
• Up to 55 days interest free on purchases
• Low annual fee
• Complimentary international travel insurance
• 0% p.a. on purchases and balance transfers for the first 15 months, then reverts to 9.90%

Bankwest Breeze Platinum Credit Card

• Free annual fee first year, then $69 annual fee
• Free international travel insurance that includes the basics but does not cover cancellation costs, pre existing conditions and travellers over 80
• $6,000 minimum credit card
• 21.99% interest rate on purchases and cash advances
• Cash advance fee of the higher of $4 or 2% of cash advance

The Bankwest Breeze Platinum is a great no frills credit card that offers ‘no foreign transaction fees’ and the lowest interest rate on the market, at 9.90%. These two factors alone will save you hundreds of dollars when travelling throughout Thailand.

In addition it has a low annual fee and complimentary international travel insurance. Finally for its price point it is a great value credit card that will be accepted most places in Thailand.

ING One Low Rate Credit Card - No Annual Fee

• No annual fee
• Up to 45 days interest free on purchases
• Lowest cash advance interest rate of 11.99%
• Use instalment plans to pay off your purchases over time at a lower interest rate

ING One Low Rate Credit Card

• 11.99% interest rate on purchases
• Make payments from your mobile with pay with Apple Pay and Google Pay
• International ATM fee and Foreign currency conversion fee are waived when you deposit $1,000 into your Orange Everyday each month, and make 5+ card purchases that are settled. Otherwise they are the higher of 3% or at least $3
• Put repayments on auto payment each month to pay the minimum balance or full amount

The ING One Low Rate credit card is a great option to take to Thailand as it charges no annual fee and offers a low interest rate for purchases and cash advances of 11.99%. The cash advance interest rate is very low and about 50% less than most of its competitors who charge around 22% on cash advances.

Furthermore the ING One Low Rate credit card has no international transaction fees, so you can save money on your travels and when you buy goods from overseas. It's a handy backup card to have in your wallet when travelling through Thailand.

Learn more about the best credit, debit and prepaid cards for travel

Credit Card

Best Prepaid Travel Cards

The best travel money cards for Thailand are the Wise Multi Currency card, which offers the best exchange rate for Thai baht, a Westpac Worldwide Wallet or Up Bank debit card for ATM withdrawals and the BankWest Platinum Breeze or ING One Low Rate cards for credit purchases.

It is better to take cash and cards to Thailand. We recommend taking cash and at least 2 travel cards to Thailand. Take cash for the smaller items and take a debit travel card or prepaid travel card loaded with Thai baht. This way you are spending your own money, locked in a good exchange rate. We advise taking a credit card as a ‘just in case’ card.

Yes you can use a travel card in Thailand. You can use a debit travel card, prepaid travel card or credit card. Most travel cards are either Mastercard or Visa which means they are accepted in most places within Thailand.

Yes you should exchange money for Thai baht before you travel to Thailand. Many places in Thailand accept cash and it's handy to have Thai baht for corner stores, local markets, transport or for tipping.

A travel money card is better for security than cash. If you lose your travel money card, you can report it stolen or lost quickly online and the card is cancelled to prevent unauthorised spending. You also need a 4 digit pin to spend money on your travel money card. If you lose cash you are unlikely to recover it.

No you can not use dollars in Thailand, you need to use the currency of Thailand , Thai baht. The Thai baht has 5 notes for the 20 baht, 50 baht, 100 baht, 500 baht and 1000 baht notes. The most common coins in Thailand are the 1 baht, 2 baht, 5 baht, and 10 baht.

You can carry an unlimited amount of foreign currency to Thailand and if you arrive with more than USD20,000 you need to declare it to customs. According to the Thai Embassy you can bring in less than THB50,000 to Thailand.

How much spending money you need for Thailand depends on whether you are backpacking, travelling with family or a luxury tour of Thailand. $40 per day should cover the backpacking budget, $150 per day should cover a family and $200 upwards for luxury travel around Thailand.

Westpac offers the best bank travel card as it provides the best exchange rates for a bank, no foreign transaction fees, no fee on initial card, no load fees, no unload and no inactivity fees. It also offers a flight delay pass that gives you access to airport lounges in case your flight is delayed.

Visa, MasterCard, Cirrus or Maestro main cards accepted in Thailand hotels, restaurants and shops. They are also the two main cards accepted at ATMs. American Express is less popular and we don't recommend taking that as your main source of payment.

ASIC regulated

Like all reputable money exchanges, we are registered with AUSTRAC and regulated by the Australian Securities and Investment Commission (ASIC).

S Money complies with the relevant laws pertaining to privacy, anti-money laundering and counter-terrorism finance. This means you are required to provide I.D. when you place an order. It also means the order must be paid for by the same person ordering the currency and you must show your identification again when receiving your order.

Thailand Trip Expert

All about Thailand travel

5 Best Travel Money Cards for Thailand

As you start preparing to travel to Thailand for holidays, businesses, or other activities, you must plan for getting money to spend there. This is where the need to get a travel money card for Thailand comes into the pictures. Although various travel money cards work in the Land of Smiles, which ones are the best?

Based on the reviews of the users, the 5 best travel money cards for Thailand include Wise Travel Card, Revolut Card, The American Express Gold Card, Travelex Money Card, and Citi Global Travel Card. Each of these travel cards offers amazing packages that will make life easier for you in Thailand. So, depending on your country, make sure you get one of these travel cards before starting your trip.

Perhaps you don’t know much about a travel money card. Simply put, it is a prepaid card that allows you to load your account and withdraw money anywhere in the world in the local currency. However, it is noteworthy that some cards don’t offer Thai baht, and this is why you need to choose one of the recommended cards for Thailand.

1. Wise Travel Money Card

Formerly known as TransferWise, Wise has one of the most functional and reliable travel money cards in the world. It allows you to send money into your card in over 50 currencies such as US Dollar, Australian Dollar, GB Pounds, Euro, Japanese Yen, and lots more. Once you are in Thailand, you will be able to withdraw your money in the local currency, which is Thai Baht.

Wise Travel Money Card is accepted in numerous restaurants and shops in different countries. Also, you can use it on over 2 million ATMs without paying anything for withdrawals of as much as £200.

In addition, this card doesn’t come with any annual fees or hidden charges. Its exchange rate is only slightly different from the official one. Hence, you don’t have to bother about dealing with the predatory exchange rate.

However, the Wise Travel Money card has its downside too. In some countries, it may be difficult for you to contact a local support team.

Revolut prepaid travel card is another top-of-the-range travel card that can ease your trip to Thailand. Once you have loaded the card, you can use it on various ATMs in different parts of Thailand. To make life easier and more enjoyable for customers, Revolut doesn’t charge you any load fee, purchase fee, or reload fee. This means that you can get and load the card without any charges.

Also, this card doesn’t require you to have a particular minimum balance. Hence, you can load any amount that you want in it. Additionally, the exchange rate is always good. Even when you return to your home country, this card allows you to convert your balance back to your local currency. You can also link your card to Revolut’s mobile app for seamless transactions.

Unfortunately, the card’s free withdrawal is only for the first $350 each month. Afterward, you have to pay a 2% withdrawal fee every time you use the ATM.

3. American Express Card

If you are coming to Thailand from America, the American Express Card should be one of your choicest travel money cards. You can use the card in different restaurants, shops, and supermarkets in Thailand and numerous other countries. The card has been even reviewed by Forbes as one of the best. Notably, the travel card from this company comes into two forms – Gold and Rose Gold cards.

One of the major benefits of using this card is that it offers a member reward program. With this program, you can earn points as you use your card anywhere. You can redeem this card to enjoy various offers from American Express. It also allows customers to add as many as 5 authorized users without paying any fee.

Like others, the American Express travel card has some drawbacks. Foremost, it has a balance limit. Also, it doesn’t offer any lounge benefits.

4. Travelex Money Card

Travelex Travel Money Card is another excellent card you can use for all your transactions in Thailand. This allows you to use all ATMs for free anywhere you find yourself in the world, including the Land of Smiles. Also, it has one of the best exchange rates you can get from any travel money card.

With Travelex Money Card, you can load in different currencies including US dollars, pounds, euros, Canadian dollars, Australian dollars, New Zealand dollars, and lots more.

Nevertheless, if you are loading your Travelex Travel Money Card from a debit card, you have to pay a 1.5% loading fee. Also, the card has a $10 card closure fee. Besides, if you don’t use the card for 12 or more months, you will be charged a fee of $4 per month.

5. Citi Global Travel Card

Last but not least, you can also use Citi Global travel money card in Thailand to have unlimited access to your money. When using this card, there is no card fee, reload fee, or currency conversion fee. Besides, the Citi Travel Money card allows you to reload any amount that you want on your card and withdraw your money without additional withdrawal charges.

Apart from withdrawing in Thai Baht, this card can also be used for withdrawing in Singapore dollar, Japanese yen, and Hong Kong dollar. Therefore, this card can come in handy for anyone that wants to travel around different Asian countries.

The card also works with a mobile app that you can use to access your funds. Similarly, it can be used for changing PINs and doing other things. If you have any issues with using your Citi Global Travel Card, you can get in touch with the customer service via phone.

In a nutshell, all these cards are good and recommended for anyone that wants to travel to Thailand. They don’t charge any exorbitant fees and can also be used in other countries around the world to withdraw your money.

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The 6 Best Travel Money Cards for Thailand 2024

If you’re travelling to Thailand soon, a travel money card can be handy to cut your overall costs, help you beat foreign transaction fees, or earn cash back and rewards.

UK customers are really well served for travel card options including travel debit, prepaid and credit cards. Each type has its own benefits and drawbacks - this guide walks through your options to help you decide, plus we’ll introduce a couple of our favourites from each category to kickstart your research.

Wise - our pick for travel debit card when travelling overseas

Wise accounts can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in GBP and switch to THB before you travel. All currency conversion uses the mid-market exchange rate, with low fees from 0.41%. Here are some of the pros and cons of the Wise travel money debit card, to help you decide if it’s right for you.

Hold and exchange 40+ currencies , including GBP-THB

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing fees and no interest to pay

7 GBP delivery fee

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

A travel money card is a credit, debit or prepaid card which is optimised for travel. That can mean you’re able to hold a balance in multiple currencies and pay or withdraw overseas with no extra fees. As an alternative, some cards let you hold a balance in GBP but avoid foreign transaction fees and get the network exchange rate for foreign currency spending, or earn cash back or rewards overseas.

The benefits you get from your travel card depend on the specific one you pick - which means you can choose the one which suits your transaction patterns. Once you’ve got your card you can tap to pay in stores, spend online and make cash withdrawals just as you do with your bank card.

What are different types of travel cards?

Generally you can split the different types of travel cards available in the UK into the following categories. We’ll walk through the features and benefits of each in a moment:

Travel debit cards

Travel prepaid cards

Travel credit cards

Quick summary: Best travel cards for Thailand

As well as an introduction to the different types of travel cards, we’ve included reviews of 2 of our favourites from each category to help you get a feel for which might suit your specific spending patterns. Here’s what we’ll be looking at:

Wise travel debit card : Hold 40+ currencies, including THB, with no ongoing fees, and spend with the mid-market exchange rate with no foreign transaction fee and low conversion costs from 0.43%

Revolut travel debit card : Hold 25+ currencies including THB, in one of 4 different plan types, including some with no monthly fee, and some which come with ongoing costs but which unlock more benefits and no fee transactions

Post Office travel money card : Hold THB and 21 other currencies, with no fee to spend a currency you hold - 3% fee applies if you don’t have the currency required in your account

Monese travel money card : Hold a balance in GBP, then spend in THB with no fees, up to your plan’s limit. Different plans on offer, including Simple which has no ongoing fees to pay

Barclays Rewards Visa travel credit card: Spend with the Visa exchange rate, and earn 0.25% cash back, with no foreign transaction fee and no cash advance fee. Interest and penalties can apply

Halifax Clarity Mastercard travel credit card: No foreign transaction fee, no annual fee, and no cash advance fee if you withdraw money at an ATM. Variable interest and penalties can apply

Travel money cards for Thailand compared

Here’s a brief comparison of all the cards we’ve picked out - in a moment we’ll also look at each card in more detail.

Different card types suit different customer needs. Debit and prepaid cards are often cheap to use, and can come with extras like options for holding a multi-currency balance. Credit cards can be convenient for spreading the costs of a trip, and are handy for using as a payment guarantee when hiring a car or checking into a hotel. However, they can come with higher overall costs. Which suits you depends on the types of transactions you’ll make. Read on to learn more.

Travel Debit Cards for Thailand

A travel debit cards will usually come from a specialist provider, and be linked to a digital account you’ll use to hold and exchange currencies for spending. You’ll need to register an account online or in an app, and upload an ID to get started, but you can then order your card for home delivery, and you’ll often be able to start spending instantly with a virtual card to complement your physical card.

Different travel debit cards have their own features - some, like the Wise card, have a one time card order fee but then have no ongoing fees to pay. You just pay transaction costs for the specific services you need. Other providers like Revolut have a variety of plans available so you can open an account and order a card with no ongoing charges, or upgrade to an account with more features but monthly fees to pay.

Travel debit card option 1: Wise

There’s no fee to open a personal Wise account , but you’ll pay a one time card order fee of 7 GBP. After that there’s no minimum balance and no monthly charge. Wise accounts can support 40+ currencies for holding and exchange, with low fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

No fee to open a personal Wise account, no minimum balance requirement

7 GBP one time fee to get your Wise card

2 withdrawals, to 200 GBP value per month for free, then 0.5 GBP + 1.75%

Hold 40+ currencies, convert between them with the mid-market rate

Get local account details to receive GBP, NZD, EUR, USD and a selection of other major currencies conveniently

Travel debit card option 2: Revolut

Revolut has a selection of different account tiers for personal customers in the UK, including Standard plans with no monthly fee, to the top end Ultra plan which has a 45 GBP/month fee and comes with loads of perks including a fancy platinum plated card. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. The higher account tiers also come with extras like various different forms of complimentary insurance, discounts, cash back opportunities and travel benefits.

No monthly fee for a Standard Revolut account, or upgrade to one of 4 different account plans which have monthly fees running from 3.99 GBP/month to 45 GBP/month

All accounts have some no fee weekday currency conversion with fair usage fees after that which are 1% for Standard plan holders

Standard plan holders can withdraw 200 GBP overseas per month for free

Hold around 25 currencies

Pros and cons of using debit travel cards when travelling overseas

How much does a travel debit card cost.

Different travel debit card providers have their own approach to fees.

Some - like Wise - charge a simple one time fee to get your card, but then have no monthly charges or minimum balance requirements. This means there’s no ongoing costs so you can simply use your card and account as and when you need to, and pay for the services you use.

Other providers, like Revolut, have different account plans available which means you’ll be able to choose an account with no ongoing charges but relatively limited features, or pay a monthly fee in exchange for getting more no-fee transactions and a range of extras like lounge access or insurance.

How to choose the best travel debit card for Thailand?

The best travel debit card for Thailand will depend on how you expect to spend and withdraw while you’re there, and whether you’ll use the card frequently after your trip.

If you’re going to use your card a lot and don’t mind paying a monthly fee, getting a Revolut card and upgrading to the paid plan that matches your transaction needs can be a good investment. If you’re not sure how often you’ll use your card, getting a Wise card or a Standard Revolut card can be a better option as it’ll mean you don’t pay an ongoing fee and can simply use your card as and when you travel.

Is there a spending limit with a travel debit card in Thailand?  

You’ll probably find there’s a spending limit for your travel debit card. However, this limit can vary quite significantly, depending on the provider you pick. You can also usually adjust your spending limits for security in the provider’s app which means you can set the limit you’re comfortable with.

For the providers mentioned above, Revolut UK travel debit card holders have some spending caps based on merchant and transaction type. This applies to things like sending money to others, buying travellers cheques or money orders, and betting. Wise caps monthly card spending at 30,000 GBP but you can also move your limit lower if you’d like to, for security reasons.

ATM withdrawals

ATM withdrawals with a travel debit card are also likely to be subject to limits. Revolut applies a 3,000 GBP limit based on any given 24 hour period. Wise ATM withdrawal limits are 4,000 GBP per month. Both providers allow you to make some no fee ATM withdrawals monthly, but the exact amount you can withdraw will depend on your account type.

Prepaid Travel Cards for travelling overseas

With a [prepaid travel card] ( https://exiap.co.uk/guides/best-prepaid-travel-cards ) you’ll need to add money in advance of travel to then start spending or making cash withdrawals once you arrive in Thailand. You can get a prepaid card from a provider like the Post Office, or a specialist like Monese. Post Office cards support a multi-currency balance, while Monese lets you hold GBP, EUR and RON, but not Thai baht. Instead when you spend in THB your funds are converted with the network rate to your plan limit.

Prepaid travel card option 1: Post Office Travel Money Card

You can order a Post Office Travel Money Card online or pick one up in person at a branch as long as you have a valid ID on you. You’ll be able to top up and hold in 22 currencies, although bear in mind a fee applies if you add money in GBP. There’s no fee to add foreign currencies. The exchange rate used when you top up or convert may include a markup, but once you hold a currency balance in your account you can spend it with no further charges.

THB and 21 other currencies are supported for holding and exchange

No fee to spend a currency you hold on your card

3% cross border fee if you spend in an unsupported currency

80 THB ATM withdrawal fee

Manage your account and card from the Post Office travel money app

Prepaid travel card option 2: Monese Travel Money Card

Monese offers several different account plans which come with linked cards you can use while overseas. Depending on the plan you pick you’ll get some free international spending and some free ATM withdrawals. Simple account plans have no monthly fees, but are more limited in terms of no-fee transactions compared to the other account tiers. While Monese does offer foreign currency account plans, these are not available in THB.

• Pick the account plan that suits your needs, including a Simple plan with no monthly costs and some plans which do have a fee to pay every month
• Accounts offered in GBP, EUR and RON
• Simple account plan holders can spend up to 2,000 GBP a month in foreign currencies with no fees - other account plans have unlimited overseas spending with no extra fees
• All accounts have some fee free ATM withdrawals every month, with variable limits based on account plan
• Virtual cards available

Pros and cons of using prepaid travel cards in Thailand

How much does a prepaid card cost.

Getting your prepaid travel card might be free, but some accounts have ongoing charges which you can pay to unlock extra services or higher no fee transaction limits.

There’s no charge to get a Post Office travel prepaid card, but you may have to pay a fee or currency conversion charge when you top up. Monese has several different plan options including one which gets you the card for free (delivery charges can apply), and others with ongoing fees to consider.

How to choose the best travel prepaid card for travelling overseas?

The best prepaid travel card for Thailand depends on your spending patterns. The Post Office Travel Money Card has the advantage that you can convert your money to THB and see your budget instantly. However if you don’t do this, you might end up paying a 3% fee. Monese has different plan types, so has the flexibility to allow you to pick the one you want - but you can’t hold a THB balance.

Prepaid travel card spending limit

The Post Office travel card lets you top up to 5,000 GBP at a time, with the maximum balance at any given time set at 10,000 GBP, or 30,000 GBP annually. Monese accounts may have different limits based on the tier you pick - usually set at a maximum holding balance at any time of 40,000 GBP. You may be limited to spending up to 7,000 GBP a day, depending on your account type.

With the Post Office card, you can make up to 17,000 THB maximum daily withdrawals and each withdrawal costs 80 THB. Monese accounts may have a maximum ATM withdrawal of 300 GBP a day, depending on the specific account you pick, so it’s worth reading the fee schedule carefully to understand the details.

Travel credit cards for Thailand

With any credit card you’ll need to check your eligibility and make an application which can include a credit check. You’ll be approved or declined based on credit score, and your credit history can also change the interest charged and the maximum credit you’re offered. Overall, credit cards can be safe and convenient, but often more expensive than a debit or prepaid card.

Travel credit card option 1: Barclaycard Rewards Visa 

The Barclaycard Rewards Visa credit card is a good, straightforward option for UK customers looking for a credit card which does not have foreign transaction fees, and which doesn’t have an annual fee. As with any credit card, some costs can apply including interest fees if you don’t clear your bill monthly, but you’ll be able to earn 0.25% cash back on all your card spending at home and abroad.

No annual fee, with 0.25% cash back on card spending

Currency exchange uses the network rate and no foreign transaction fee

No ATM withdrawal fee - but interest can still apply

28.9% representative APR, with penalty fees for late payments

Secure spending with extra protection on some purchases

Travel credit card option 2: Halifax Clarity Mastercard

The Halifax Clarity Mastercard has a variable interest rate which is based on your creditworthiness, but doesn’t use different rates for different transaction types as some cards do. There’s no foreign transaction fee when you spend or withdraw in foreign currencies, but bear in mind that an ATM operator might charge a fee, and interest accrues instantly for cash advance transactions.

No foreign transaction fee when spending or making a cash withdrawal overseas

Interest applies instantly when making cash withdrawals

Same interest rate applies on all purchase categories

Variable APR based on your credit score - you’ll need to check your eligibility online to see the APR you’d be offered

Spending is covered by the Consumer Credit act which means extra protections for purchases from 100 GBP to 30,000 GBP in value

Pros and cons of using credit cards for Thailand

How much does a travel credit card cost.

The cards we’ve picked out above have no order fee and no annual charge. However to avoid paying interest you’ll need to make sure you pay your bill in full every month - and also avoid using your credit card in an ATM as this can mean interest accrues instantly. If you don’t pay back everything you owe in full you’ll be charged interest - and if you’re late making a payment, penalties can also apply.

How to choose the best travel credit card for Thailand?

There’s no single best travel credit card for Thailand. Choosing a card with no annual fee can be a good idea to avoid ongoing costs, but you’ll also want to look at the interest rate different providers will offer you if you don’t expect to repay your bill monthly. Some travel credit cards also offer some options for earning rewards or cash back, although you’ll need to make sure that the rewards on offer outweigh any potential costs.

Travel credit card spending limit

Your travel credit card spending limit will be set by the card provider, and will depend on your credit score. You’ll be shown details of your spending limit when you’re approved for a travel credit card.

The cards we’ve looked at earlier don’t charge a cash advance fee, but this is a common cost when using a credit card at an ATM, so worth looking out for when you select any credit card. It’s also worth noting that it’s very common for ATM withdrawals to start accruing interest instantly, so you’ll end up needing to repay some charges whenever you use your credit card in an ATM.

How much money do I need in Thailand?

Thailand is super popular on the backpacking trail, as you can do a lot for a relatively low budget - but there’s also plenty of places to find high end luxury, too. The amount of money you’ll need in Thailand really depends on what you’re planning on getting up to - which means you can set your budget according to your personal preferences. Here’s a quick look at some common costs in Thailand:

Conclusion: Which travel money card is best for Thailand?

There’s no single best travel money card for Thailand. But as it’s usually a good idea to have several different ways to pay when you travel, it could be a smart plan to get a couple of specific travel card options to suit different spending needs.

For example, you could pick up a Wise travel debit card for convenient, low cost spending and withdrawals with a THB holding balance, as well as a Monese travel prepaid card to use for free currency conversion to your specific plan limit. Consider also picking up a travel credit card like the Barclays Rewards Visa for earning cash back and using as a payment guarantee when you check into a hotel or hire a car, tuk tuk or bike. That way you’d be covered for all eventualities.

FAQ - Best travel cards for Thailand

Can you withdraw cash with a credit card in thailand.

Yes. You can use your credit card to make an ATM withdrawal at any ATM in Thailand where your card network is accepted. However, bear in mind you’ll pay interest instantly when you use a credit card in an ATM. Choosing to withdraw with a low cost travel debit card from Wise or Revolut may bring down your overall fees.

Can I use a debit card in Thailand?

You can use debit cards in Thailand wherever card payments and your network are supported - that’ll usually be in larger and chain stores, hotels and restaurants in the cities. Bear in mind that you may not be able to pay with card in smaller merchants or at markets, so having both a prepaid or travel debit card and some Thai baht in cash is a smart plan.

Are prepaid cards safe?

Yes. Prepaid cards are not linked to your normal UK bank account which means that they’re safe to use. Even if you were unlucky and someone stole your card while you’re in Thailand, they would not be able to access your main account - and you could freeze your prepaid card in the app easily if you needed to.

What is the best way to pay in Thailand?

Paying for things with a specialist travel debit, prepaid or credit card in Thailand is most convenient. However, cards aren’t always accepted so having a few options for payment is a good plan. Consider getting a travel card from a provider like Wise or Revolut, which has some no fee ATM withdrawals so you can also conveniently get cash for those times card payments aren’t offered.

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Best ways to spend travel money in Thailand: Debit & prepaid cards

Learn more about the best card to use, if you should use a uk debit card and other ways to take spending money to thailand..

In this guide

Low cost travel money options for Thailand

Currency: thai baht, how much money will i need, travel card, debit card or credit card, a quick summary of travel money options for thailand, exchange rate history (gbp to thb), bottom line.

Bustling cities, electric nightlife and stunning scenery…all on a budget. It’s not hard to see why Thailand has become such a popular destination for backpackers, holidaymakers and those who want to see their money stretch a bit further.

But even at such affordable prices, picking the right travel money options before you land is crucial. Whilst Thailand is increasingly accepting major brands such as Mastercard and Visa in many middle to upper market shops, restaurants and hotels, cash is still key and is likely to dominate your spending. Find out the cheapest way to use your money and make withdrawals below.

You won’t have to worry about withdrawal fees if you opt for a digital banking app such as Revolut or Starling . These work in much the same way as conventional bank accounts do, coming with a debit card authorised by Visa or Mastercard which can be “topped up” from your mobile phone, but the key advantage is that they don’t charge withdrawal of transaction fees.

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Taking and exchanging cash.

Cash is vital in Thailand. You’ll be using it for the majority of your transactions. As usual, avoid exchanging cash at airports and hotels as these usually offer bad rates. Baht notes are significantly more fragile and susceptible to tearing than British bank notes. Make sure yours are not damaged as some shop/restaurant owners won’t accept them and ripped banknotes can be seen as disrespectful to the king.

Taking a debit card or credit card

First things first – always notify your home bank before you head to Thailand to stop your card being blocked by anti-fraud software. When using your card always choose to be charged in Thai Baht to save yourself money. Why? Because the Dynamic Currency Conversion (DCC) which allows you to see the cost of the transaction in your home currency leaves you exposed to foreign banks poor exchange rates and additional hidden fees.

Most debit cards will charge a currency conversion fee of around 2-3% fee when you make a purchase or withdraw cash, but it may be worth checking with your bank to double check if this is the case. Both debit and credit cards can now be used in many mid to high-end hotels, shops and restaurants in big cities but credit cards should not be used to withdraw cash due to interest rates and cash advance charges. Instead use a debit card or prepaid travel card. Visa, Mastercard, JBC and American Express

• Tip: Some financial institutions give you complimentary international travel insurance when you charge the cost of your return travel ticket to your credit card.

Using prepaid travel cards

Travel cards offer a safer way to withdraw cash and can be useful at helping with budgeting as you can only spend what is on the card. Using prepaid travel cards also means you can pre-load your exchange rate beforehand, offering you the chance to do so at times when rates are looking more promising rather than relying on live exchange rates which could be unfavourable at the time. Not all cards charge for for currency conversion, but these will certainly charge you at ATMs.

However, using a prepaid travel card is typically more expensive than using the cards you already have in your wallet. They often carry hidden fees such as inactivity costs , reload fees and issue fees. Not all travel cards support Thai Baht – for those that don’t you’ll pay a currency conversion fee when you withdraw cash or purchase a good or service. For help deciding on which travel card to go for, check out our comparison.

• Tip: Financial institutions which provide a travel card also make money by applying a higher margin to the exchange rate. You can get a better rate using a debit card or credit card.

Using traveller’s cheques

Traveller’s cheques provide important security advantages over other forms of travel money. Each cheque has a unique serial number and can only be cashed with photo identification. However, using travellers cheques can be expensive with institutions charging a commission of around 150THB to cash cheques. Because of this it’s usually best to get checks in relatively large denominations to minimise fees. Alternatively, you’re often better off using a debit card or travel card which lets you make cheap or free ATM withdrawals.

Using an ATM

Its always best to check with your individual bank to check their withdrawal fees and to see if they have any arrangements with Thai Banks which will offer more favourable charges. In most cases its likely you’ll be charged by both your bank and the ATM to withdraw money with the ATM alone likely to add on a fee of around £2-4. ATMs are available in any of Thailands cities and an increasing number of smaller towns.

Mastercard and Visa cards can be used to make cash withdrawals from the majority of ATMs in Thailand. The maximum withdrawal limit varies depending on the machine. Machines from banks with a presence in Britain such as HSBC have a higher daily withdrawal limit compared to ATMs from Thai banks.

• Tip: However, if you’re heading to a smaller town or village it is strongly recommended to take enough cash with you to live as there is no guarantee one will be available.

The official currency of Thailand is the Baht. The currency is available in both coins and notes and comes in the following denominations – Coins of 1, 2, 5 and 10 Baht and notes of 20, 50, 100, 500 and 1000 baht. There are currently two legally accepted editions of bank notes in Thailand, both with an image of the King on the back. Make sure you treat your money with care as bad treatment could be seen as disrespect to the King. See the different bank note denominations below to familiarise yourself with the currency, save confusion when spending and ensure you’re not being overcharged.

On a budget? Food, drink, accommodation and tourist activities all come at a fraction of the price to those found in the UK making Thailand a popular destination for those who want to see the money stretch a bit further.

Those on a tight budget can easily live on less than £20 a day and still enjoy amazing food, comfortable accommodation and the chance to spend extra cash on activities. A middle-budget of around £40-£60 a day will afford you good quality restaurant meals and accommodation, the chance to enjoy a range or tourist attractions and to hire taxis.

*Prices are approximate and are subject to change.

When traveling to Thailand it’s always best to have a few ways to access your cash. Visa and MasterCard branded travel cards, debit cards and credit cards are becoming increasingly accepted for over the counter purchases in middle to high end hotels, shops and restaurants but carrying cash is always recommended as this will make up the majority of your spending. ATM’s are readily available throughout Thailand’s larger cities and towns but when traveling to more remote locations it’s always best to bring enough cash to cover your stay.

Digital banking apps work in much the same way as conventional bank accounts do, coming with a debit card authorised by Visa or Mastercard which can be “topped up” from your mobile phone, but the key advantage is that they don’t charge withdrawal of transaction fees.

This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

While the value of the Baht has been increasing as the country develops and tourism expands, the country still remains a budget destination for British travellers.

Each of the travel money options discussed has its own benefits and drawbacks, but it’s worth remembering that in Thailand cash is king. When traveling around the country it’s always best to have a few ways to access your cash.Having more than one travel money options means you have a back up in case one card is lost, stolen or damaged.

Make sure you’re able to withdraw cash using a decent prepaid travel money card or no-fee debit or credit card you should be able to handle all eventualities. It also pays to keep an eye out for ATMs operated by Thai banks that charge minimal local ATM operator fees.

Finally, if you’re going to visit some of Thailand’s more remote beauty spots, we strongly recommend you take enough cash with you to live on while you’re there, as there is no guarantee that you’ll have access to banks or ATMs.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use . When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Charlie Barton

Charlie Barton was a publisher at Finder. He specialised in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.

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How to use the Wise card in Thailand

If you’re heading off to Thailand – to hit the beaches, hang out with elephants, or soak up the atmosphere in the vibrant cities – you need smart and simple ways to spend in Thai baht while you’re there.

With the Wise card, you could cut the costs of currency exchange to do more with your money while you’re away – this guide explains how. We’ll walk through how to use your Wise card, the fees, limits and some handy tips to save when transacting overseas.

Is it possible to use my Wise card in Thailand?

You can use your Wise card to spend and make cash withdrawals in Thailand and around 150 other countries globally. Just look out for the Visa/Mastercard logo at merchant payment terminals or on ATMs.

Using the Wise card should be just as easy as using your bank card in Thailand – but you could find you save money as there’s no foreign transaction fee to pay. Plus, you’ll avoid the pitfall of DCC (dynamic currency conversion). That’s where a merchant or ATM converts your dollars to the local currency instead of your bank or card provider.

DCC usually means a hiked up exchange rate and higher fees – but the Wise card cuts this out by automatically converting to the local currency wherever you are when you pay.

About the Wise card

The Wise card is an international debit card linked to a Wise multi-currency account you can manage from your phone. You can add money to Wise in dollars from your bank or with a card, and then either convert to THB in advance or let the card do the job for you when you spend.

In either case you get the mid-market exchange rate and low, transparent fees from 0.43%, with no separate foreign transaction fee to pay.

How does the Wise card work?

In short, your Wise card works like any other credit or debit card you may have in your wallet. The difference is that it’s been optimized for international use, which means it offers options to hold, exchange and spend foreign currencies with low overall costs.

As with other debit cards you’ll need to add money to Wise before you can spend – but you can then choose to move your money to THB or one of the 40+ other currencies, or leave it in dollars and let the card convert for you.

Once you have a balance in your Wise card you can tap to pay in stores, and use your card to make cash withdrawals when you need to.

Go to Wise Read also: Wise debit card review

Fees for using the Wise card in Thailand

There’s no fee to open a Wise personal account – and once your account is verified you can add a balance and order your Wise card for a one time fee of 9 USD. There are no ongoing charges or minimum balance requirements so you can use your card as and when you need to, and only pay for the services you need.

It’s free to spend from your Wise balances. And if you don’t have money in the currency required, Wise uses smart conversion technology to convert from the currency with the lowest possible fee, with the mid-market exchange rate.

Here’s a run through of the key fees you need to know about when using the Wise card. We’ll cover ATM cash withdrawals, fees and limits later on.

Fees correct at time of writing – 10th January 2024. Find more on the Wise card fee information page

How to withdraw money in Thailand with a Wise card

You’ll need cash when traveling in Thailand, for smaller value purchases, spending in markets and tipping. Wise can help here too. Here’s how to make ATM withdrawals from Wise when you’re overseas:

• Find a convenient ATM which supports the network your Wise card is issued on ( Visa or MasterCard )
• Insert your card and select the option to make a withdrawal
• Enter the amount you want to withdraw
• Enter your PIN for security
• Your money will be dispensed and your card will be returned

Go to Wise Read also: How to withdraw money abroad from Wise card

Wise ATM withdrawal limits

When you make cash withdrawals you’ll be able to make 2 withdrawals to the value of 100 USD (or the equivalent) per month fee free, then low fees apply – we’ll look at those next.

On top of this, there are some withdrawal limits which apply for security reasons. You’ll find your limits are set to a default amount when you get your card, but you can then adjust the limits according to your preference in the Wise app. Limits apply on a single payment basis, daily and monthly.

To view and change your Wise card ATM withdrawal limits in the Wise app:

• Log in on the Wise app and select the Cards tab
• Tap Account limits and the type of transaction – ATM withdrawals
• Select the button to change the limit within the Wise maximum available limit range

Here are the Wise ATM withdrawal limits for Wise cards issued in the US, on a single payment, daily and monthly basis: <table

Details correct at time of writing – 10th January 2024

Wise card ATM withdrawal fees

As we’ve mentioned, there are also some ATM withdrawal fees once you’ve exhausted your monthly free withdrawal allowance. The good news is that when you withdraw with Wise you’ll still get the mid-market exchange rate, and low, transparent conversion fees, which can mean it works out cheaper to get cash with your Wise card compared to using your bank card.

Here’s a summary of the Wise ATM withdrawal fees:

Another important point to note is that DCC – which we described earlier – can also crop up at the ATM. If you see a message flash up asking if you’d rather pay for your withdrawal in dollars rather than baht, don’t be fooled. It sounds like a nice offer – but it’ll mean you pay more in the end thanks to a poor exchange rate and potential hidden fees.

Go to Wise Learn more about DCC here .

How to get a Wise card: step by step

You can open a Wise account and order your card online or with your phone – with no need to head to a bank or other physical location to get verified. You’ll need to have a valid email address, a proof of residence, a working smartphone, and a valid ID document – and you’re good to go.

On the Wise app

The easiest way to open your Wise account and order your Wise card is in the Wise app – you can just use your phone to snap a photo of your ID documents for verification. Here’s how to get a Wise card from Wise app:

• Download the Wise app and tap Sign up
• Open a Wise account by following the prompts to enter your personal information
• Top up your Wise account in the currency of your choice
• Order your Wise card for a one time 9 USD fee
• Complete the verification step, uploading an image of your ID document and entering your SSN
• Your card will arrive in the mail

Get a Wise card

On Wise.com

Alternatively you can order your Wise card online by heading over to the Wise desktop site. Here’s what you’ll need to do:

• Open the Wise desktop site and select Register

How do I activate my Wise card?

Once your physical Wise card has arrived in the mail you’ll need to activate it. Bear in mind that this step must be taken in the US – if you’ve ordered your card ready for your trip to Thailand be sure to complete activation before you hop on a plane, so your card is ready to use on arrival.

Here’s how to activate your Wise card in the US:

• Log into to your Wise account
• If you’re on the website, go to Debit card. If you’re on the app, go to Account, then click the card icon at the top of the screen
• Enter the 6-digit code that’s on the card below your name

How do I add money on the Wise card?

To use your Wise card you’ll first need to add some money to your linked Wise digital multi-currency account. This is easy to do – and again, everything can be arranged with just your phone or laptop. In the US you can top up your Wise account and pay by ACH, wire transfer, credit or debit card. Different fees apply depending on the payment method you pick, but you’ll see all your options before you confirm so you can compare.

Here’s how to add money to a Wise card :

• Log into your Wise account online or in the Wise app
• Select the currency balance you want to top up
• Confirm the currency you want to pay with
• Enter the amount you want to top up and select a payment method
• Check everything over, confirm and follow the prompts to complete the payment

Is it safe to use the Wise card in Thailand?

Wise is safe to use , and FinCEN registered in the US. As a global business, it’s also overseen by other similar regulatory bodies all over the world. That means Wise must stick to strict standards to keep customers and their money safe.

As well as complying with regulatory requirements, Wise accounts and cards also have some neat in-built security features. You’ll be able to view your account at any time in the app, and set up transaction alerts so you’re always on top of what’s happening with your money. You can freeze or unfreeze your card in an instant in the app too – or cancel it and order a new one if you’re ever concerned it has been compromised.

Use Google Pay or Apple Pay and spend with your phone

In many countries, Wise customers can get a digital card as well as their virtual card for mobile spending with a wallet like Google or Apple Pay. This feature isn’t available as yet in the US, so if you want to make mobile payments you’ll need to add your physical card to your preferred wallet instead. Do so by opening your wallet app and tapping Add card – you can usually then scan the card with your device camera to get started.

Advantages of using the Wise card in Thailand

Using your Wise card in Thailand can mean you spend less overall on currency conversion and foreign transaction fees compared to using your bank card. Wise cards have been designed for easy, low cost payments and withdrawals overseas, with mid-market exchange rates and low conversion costs.

Here are another few tips to help make sure your money goes as far as possible when spending in THB:

• Top up in dollars and you can switch over to THB in advance if you spot a good exchange rate
• If you’d prefer you can leave your money in USD and let the card convert for you with the mid-market rate when you pay
• Remember to always pay in the local currency wherever you are, to avoid DCC costs

If you’re a frequent traveler, our travel money guides can be helpful:

• How to use Wise card in Australia
• Best debit cards for international travel
• Best travel cards for Japan
• How to use Wise card overseas
• Best travel cards for Europe

Conclusion: Is it worth using your Wise card in Thailand?

Getting a Wise card can be a good idea for anyone who travels or spends online in foreign currencies.

If you’re planning a trip to Thailand, a Wise card is a secure and low cost way to manage your travel budget. You’ll be able to either convert your money to THB in advance if you want to see your budget in local currency in advance – or just leave your money in dollars for the card to convert when you pay for things. In either case, all currency conversion uses the mid-market rate and low, transparent fees from 0.43% – with no maintenance costs or minimum balances to worry about.

Order your card online or in the Wise app today, and see how much you can save.

How to use a Wise card in Thailand: FAQ

How can i use my wise card in thailand.

Use your Wise card in Thailand to spend and make withdrawals in THB, just as easily as you’d use your bank card at home. Top up in USD, and convert your balance to THB with the mid-market rate and low fees with no foreign transaction fees , either in advance, or when you pay and make withdrawals.

Where can I use my Wise card in Thailand?

To use your Wise card in Thailand just look out for the Mastercard or Visa logo on ATMs or at payment terminals in stores and restaurants. Both Mastercard and Visa are globally accepted, so you should have no problem finding merchants and ATMs which can accept your card.

How can I withdraw money with my Wise card in Thailand?

Make cash withdrawals in Thailand, by inserting your card into an ATM that supports your card network, entering your PIN and selecting the amount you want to withdraw. Remember to pay in the local currency to avoid extra costs due to DCC.

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Apply today, free card issuance fees and annual fees value 500 baht

The maximum amount of all currencies,...

Cash withdrawal limit at ATMs

Foreign currency cash withdrawal at Krungthai branches*

Payments limit via EDC or e-Commerce

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• Service Fees
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• ค่าธรรมเนียมการถอน
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• Can use the card in Thailand same as general debit card with Thai baht currency by deducted the deposit account link to the card. Both withdrawals at ATMs and payment for goods / services at the Thai Payment Network and UnionPay acceptance.
• Exchange foreign currencies with most competitive rates of CNY currency.
• Buy and sell currencies, check your balance, activate and deactivate the card by yourself via Krungthai NEXT application
• Conveniently to purchase products and services at worldwide UnionPay’s merchant under currencies provided, support Contactless and QR Code payment.
• Withdraw cash at worldwide ATMs under currencies provided.
• Purchase online websites and under currencies provided.
• No fee charge for currency exchange.
• In case of cash withdrawal at foreign ATMs or payments at foreign merchant or websites with currencies other than CNY, transaction will be convert to THB and deduct deposit accounts link with the card by merchant/UnionPay exchange rate and markup 2.5% for exchange rate risk.
• Thai citizen.
• At least 15 years of age.
• National ID card.
• Each person can apply only 1 main card.
• Any currency exchanged and stored in the card will be exempted from getting interest.
• The amount of Thai Baht currency exchanged through the Krungthai NEXT application will be transferred to savings or current account linked with Krungthai NEXT application.
• Any withdrawal or payment transaction with the exceeding amount will be denied immediately.
• For card cancellation, please contact Krungthai Bank branch nationwide.
• The Bank does not support profit making from currency speculation.
• The Bank reserves the right to cancel or terminate or suspend the Card or relevant services and claim for damages or compensation immediately in case where the Bank considers that the Card may be used for commercial purpose or used for currency speculation or other purposes except for consumption purpose or the use of Card breaches, or is likely to breach any laws, regulation or notification of any authorities.
• The Bank reserves the rights to change or cancel details, conditions and any privilege in this card without prior notice. In case of having dispute, the Bank decision is final.
• For further information, please contact Krungthai Contact Center 02-111-1117 or International Toll Free +800-1111-1117 How to use International Toll-Free  Example: Calling from USA: press 011 800 1111 1117  Click here to see how to access and country list
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What is Krungthai Travel UnionPay Debit Card?

Krungthai Travel UnionPay Debit Card can be used to.-

• Exchange foreign currencies with most competitive rates.
• Supported currency CNY.
• Withdraw cash from worldwide  ATMs under currencies provided.
• Payment at worldwide UnionPay’s merchant under currencies provide.
• Payment via online merchant under currencies provide.

Who is Krungthai Travel UnionPay Debit Card suitable for?

What are the services of krungthai travel unionpay debit card.

• Withdraw cash at ATMs form currencies provided.
• Purchase products and services at any shop supported by UnionPay and under currencies provided.

What are the benefits of Krungthai Travel UnionPay Debit Card?

• Able to exchange foreign currencies with most competitive rates.
• Able to withdraw and spending at worldwide UnionPay’s acceptance under currencies provided.
• Reduce risk from carrying cash on the trip.
• Able to control expense as the transaction cannot be completed if case on insufficient. However, customers can exchange / Top Up 24/7.
• Able to On/Off card by yourself via Krungthai NEXT application 24/7.
• Support QR Code Payment at worldwide UnionPay’s acceptance under currencies provided via Krungthai NEXT
• Spend comfortably There is no charge for 2.5% exchange rate risk.(When spending in CNY currency)

How can we apply Krungthai Travel UnionPay Debit Card?

For new customers (not having Krungthai Savings or Current account)

• Open a savings or current account.
• Apply for Krungthai Travel UnionPay Debit Card.
• Register Krungthai NEXT application and activate it.

For existing customers (having Krungthai Savings or Current already)

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The 5 Best Travel Cards for New Zealanders to use in Thailand

Planning a trip to Thailand? A travel card can make it easier and more convenient to spend internationally - and cut your costs, too. Pick the right travel card and you could get lower fees when you spend in a foreign currency, a better exchange rate, or rewards and benefits that help you do more.

Let’s dive into a deeper look at the best travel cards for New Zealanders to use in Thailand.

Wise - our pick for travel debit card for Thailand

• Travelex Money Card - prepaid card for Thailand
• Cash Passport - prepaid card option for Thailand

hotpoints® World Mastercard - travel rewards credit card for Thailand

• American Express Airpoints Card - travel credit card option for Thailand

If you’re thinking of a travel debit card to make spending in Thailand easier, check out the Wise international debit card . You can open your Wise account online or with the Wise app , to hold and exchange 50+ currencies, including THB easily and with the mid-market exchange rate.

There’s a one time fee of 14 NZD to get your Wise card , with no monthly charges, no inactivity fee and no minimum balance to worry about. Just top up in NZD, and either switch to THB using the Wise app, or just let the card convert for you at the point of payment. In either case you’ll get the mid-market exchange rate and low fees from 0.43%.

Click here read more on how Wise works

Click here to see the full list of cards and how Wise compares

What are travel cards?

A travel money card is a card that’s been optimised for use when spending and making cash withdrawals while you’ve overseas.

Travel money cards include both debit cards or credit cards, with features and fees which can vary quite widely. If you’re in the market for a debit card for your next trip, you may benefit from a specialist card which lets you hold multiple currencies, with low fees and - often - no ongoing charges. If you’d like to spread the cost of your travel out over a few months you might prefer to get a travel credit card. In this case there may be fees or interest charges to pay, but some travel cards also offer opportunities to access rewards and travel perks like lounge access.

Whichever type of card suits your needs, you can use your travel card to tap and pay in stores when you’re overseas, and to make cash withdrawals in local currency wherever you are. Let’s look at some good cards to consider for your trip, next.

Related: Everything you need to know about International Debit Cards

5 travel money cards for Thailand compared

To start off, let’s look at 5 different travel cards offered for New Zealanders, and some of the key fees you should know about. We’ll look at these cards in more detail later.

In general, travel debit cards can come with lower overall fees, while travel credit cards offer better reward earning opportunities. Which card is best for you will depend on your personal preferences and how you like to manage your money. We’ll walk through each of these cards in more detail in a moment, so you can see if any suit your needs.

What are the different types of travel cards?

The best choice for you depends on what you'll be using it for, whether that's taking out cash, making card purchases or transferring Thai Baht to a local bank account.

Broadly speaking, you can split travel cards down into 3 different types - each of which have their own distinct features, advantages and drawbacks:

• Travel debit cards
• Prepaid travel cards
• Travel credit cards

Let's have a look at our top picks for the three best travel cards for New Zealanders heading to Thailand.

Travel Debit Cards

Travel debit cards are generally offered through specialist online services, and linked to multi-currency accounts you can use to hold and exchange all the currencies you’ll need for your trip to Thailand - and for future travel elsewhere, too. As a debit card you won’t need to worry about interest charges - just top up your account with the money you want to spend while you’re away, and use your card as you would at home, for convenient payments and withdrawals.

Debit cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make it easier to stick to your travel budget, because you can't overdraw money from your account. Some travel debit cards also let you buy the currency you need for travel in advance, so you can convert when the rates are good, and hold a balance until you travel.

Generally, it makes sense to have the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip. That way you should always have easy access to THB to pay your way while you’re in Thailand.

Wise - travel debit card for Thailand

The Wise travel debit card is linked to a multi-currency Wise account which can hold 50+ currencies - making it a great pick for your travel to Thailand, and wherever else you might venture. Ordering a Wise card is easy and you can set up an account, get verified and add a balance all using nothing more than your phone. You’ll have access to a virtual card for online and mobile payments as soon as you’ve ordered your physical card, and your physical card will arrive in the post soon after.

Wise uses the mid-market exchange rate for all currency conversion, with low fees from 0.43%. There’s no foreign transaction fee to pay, and it’s free to spend any currency you have in your account - plus you’ll get some fee free ATM withdrawals every month for those times only cash will do.

• Hold and exchange 50+ currencies with the mid-market exchange rate
• Convert currencies in advance of travel, or let the card convert at the point of payment
• Free to spend any currency you hold in your account
• No ongoing charges, inactivity fees or minimum balance requirements
• Low, transparent fees based on how you use your card
• Variable currency conversion fees apply
• Some ATM charges apply once you’ve exhausted your fee free limits

Read our full Wise review

Prepaid Travel Cards

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Travelex Money card - prepaid card for Thailand

The Travelex card can be used to hold, spend and withdraw 9 currencies. However, THB isn’t supported for holding. While you can still spend with your Travelex card in Thailand, it’s worth knowing that a conversion fee of 4% will apply.

The Travelex card has no ATM fee when you make a cash withdrawal, and it’s also handy because you can pick one up in minutes in a Travelex store. Just order online to get a travel card for next day collection, or call into a store with your ID and proof of address, to get one there and then.

• Supports 8 currencies you can manage and load online
• Order online or in person, or walk in and collect in a store 
• No Travelex international ATM fees and no transaction fees to spend currencies you hold
• Preferential foreign exchange fees when you convert currencies in your account 
• Fees apply if you reload the card in New Zealand dollars
• Inactivity fees apply
• 4% fee if you’re spending an unsupported currency, or if you don’t hold enough balance in the currency you’re using

Cash Passport - prepaid card for Thailand

Order your Cash Passport before you travel, to hold, spend and withdraw 10 currencies, including SGD. Just add money to your card in NZD and switch over to THB before you travel. If you don’t hold the balance you need for your overseas spending, a conversion fee of 5.95% will apply.

The Cash Passport is issued on the Mastercard network for global acceptance - and you can easily order your card online, or pick up in person through select retailers.

Pros and cons of using prepaid travel cards in Thailand

• Order online or pick up in store, depending on your preference
• Add funds in NZD and convert to the currency you need in advance of travel
• Not linked to your normal NZD account, adding a layer of security
• You may be able to top up your account digitally while you’re away
• Multi-currency holding options
• Not all cards support all currencies - fees can apply when spending an unsupported currency
• Inactivity and top up fees can apply

How to choose the best travel prepaid card for Thailand?

Travel prepaid cards can have foreign transaction fees when you spend in a currency you don’t hold in your account - either because your balance doesn’t cover the spending, or because the card can’t hold the specific currency. As these foreign transaction fees push up overall costs significantly, it’s useful to look for a prepaid travel card which can support THB if you’re about to travel to Thailand, to make your money go further when you’re there.

Is there a spending limit with a prepaid card in Thailand?

Prepaid cards do typically have spending limits, which can vary depending on the provider and the types of spending. You may find you have a limit to the amount you can withdraw at an ATM for example, as well as a limit to the value of POS payments you can make daily. Check your preferred card’s terms and conditions to learn more.

Travel Credit Cards

Travel credit cards can give you longer to pay back what you've spent - but there will be interest to pay if you don’t clear your bill promptly.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. This can mean getting cashback, or using your points to offset fees and future purchases, or even to trade in for hotel rooms or flights.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

If you’re looking for a way to spread the cost of your trip over a few months, and don’t mind paying interest charges, a travel credit card could be the right pick for you. There are quite a few different travel optimised credit cards available for customers in New Zealand, which may offer opportunities to earn rewards when you spend and travel, or travel perks like free insurance or lounge access.

Features and fees do vary widely, and eligibility requirements are usually in place, including a credit check - so do compare a few before you pick one. We’ve got the lowdown on one popular travel credit card coming up, to kick off your research.

• Earn points as you spend on your card, which you can redeem later
• Get 120 days travel insurance, and some lounge access perks
• Spread the costs of your purchases and travel 
• 285 NZD annual fee plus variable interest if you don’t pay your bill in full
• 1.95% foreign transaction fee when you spend or withdraw in a foreign currency 
• Higher rates of interest for cash advance - including if you make an ATM withdrawal 

American Express Airpoints - Travel credit card for Thailand

Airpoints is the Air New Zealand loyalty and rewards programme - and includes ways to boost your points with credit card spending. The American Express Airpoints Card has no annual fee and allows you to earn one Airpoints dollar for every 100 NZD spend. You can then use your Airpoints dollars to fund your travel spending, or to shop online at the Airpoints store.

If you’d rather earn rewards faster, there are also different Airpoints cards which come with annual fees but which accrue points at a higher rate. Just bear in mind that overseas spending comes with a 2.5% foreign transaction fee, which can push up costs. Weigh up the benefits you’ll get against the potential fees before you sign up.

Pros and cons of using credit cards in Thailand

• Convenient and easy to use
• Earn rewards as you spend, such as air miles and cash back
• Issued on globally accepted payment networks
• Variety of different cards available depending on your personal needs
• Safe to use, often with extra protections on spending
• Interest charges apply if you don’t repay your bill in full every period
• Other fees can apply including annual fees and foreign transaction fees

How to choose the best travel credit card for Singapore?

Getting the best travel credit card for Singapore will be a question of your personal preferences and needs. One thing to watch out for is the fees you’ll pay to unlock travel credit card benefits. Look at the annual fees, interest and any foreign transaction fees in particular, and weigh these costs against the reward earning opportunities to make sure you get the best balance for your spending.

Pros and cons of travel debit cards

Travel debit cards can certainly be a handy tool when you travel or shop internationally. But they’re not perfect and they’re not your only option. If you’re not sure what type of card will suit you, check out these pros and cons of travel debit cards to help you decide:

• Many travel debit cards come with lower overall foreign currency costs, or easy ways to earn rewards as you spend overseas
• Some cards have linked multi-currency accounts you can use to hold major currencies
• Easy to budget with a debit card - no late fees, penalties or overdraft charges, just spend to the card balance
• Most cards let you manage them on an app, convenient when you’re overseas
• Different cards have their own features, and some can come with quite high fees for certain transaction types
• Not all cards support all currencies - check the currencies you need are supported before you order
• You may pay an upfront fee to get your card
• Debit cards aren’t always accepted - if you’re paying a deposit for example, a credit card may be required

Dedicated travel cards are a good way to spend and make cash withdrawals in Thailand. By picking a card on a globally recognised network you’ll be able to tap and pay - or make cash withdrawals in Thailand - just as easily as you would at home. And, depending on which card you pick, you may get lower overall costs or options to earn rewards and air miles as you spend.

Compare a few travel cards for Singapore before you pick the right one for you, including the Wise card if you’re thinking of a multi-currency debit card option, or the Travelex card if you need a prepaid card with no ATM fees to pay.

FAQ - The Best Travel Cards to Use in Thailand

What currency do they use in Thailand?

The official currency in Thailand is Thai Baht. Before you travel, plan how best to manage your travel money, which could be to hold a little cash, and have a travel debit card or credit card for spending and withdrawals once you arrive. 

What are the best travel cards to use in Thailand?

There’s no single best travel card for Thailand. Which works best for you will depend on whether you’re looking to hold a currency balance, cut your overall costs, earn more points, or access other account features like local currency receiving accounts. The good news is that there are plenty of options on the New Zealand market to pick from - use this guide as a starting point to find the right one for you.

Can I exchange cash at the airport?

It’s usually possible to exchange cash at the airport - but you might find you pay a higher overall fee, including a currency exchange markup, if you do. Passing trade and a captive market usually mean airport currency exchange kiosks have pretty poor rates compared to alternatives - you may find you’re better off withdrawing some cash in the airport you arrive into, or getting a travel debit card to see you through your travel.

Can you withdraw cash with a credit card in Thailand?

You can generally withdraw cash with a credit card in Thailand, at any ATM where your card’s network is accepted. However, bear in mind that fees may apply, including charges from your card issuer, and from the ATM operator. Using a travel debit card, such as the Wise card, which has some fee free ATM withdrawals every month, can often be cheaper than using a credit card as you’ll avoid cash advance and interest charges

Do I need a card for overseas trips?

It’s a good idea to have a card for overseas trips so you don’t need to carry a large amount of cash with you when you head overseas. Choosing a specialist travel debit card can also mean you cut the costs of currency exchange and pay less overall for your foreign currency spending.

Cash In Thailand: Everything You Need To Know

by Melissa Giroux | Last updated Dec 5, 2023 | Thailand , Travel Finances , Travel Tips

If you’re planning to travel to Thailand, there’s one thing you should prepare for – money!

In this guide, we’ll explore all the topics related to money in Thailand .

We’ll talk about the currency, withdrawals and ATMs, Thai bank accounts, money transfers in Thailand, and some travel tips related to money.

Without further ado, let’s have a look at the Thai currency.

The official currency in Thailand is the Thai Baht (THB).

You’ll find banknotes and coins.

1 Thai Bath is divided into 100 Satang.

• 500 (purple)
• 1,000 (gold/beige)
• 25 Satang (I haven’t seen those)
• 50 Satang (I haven’t seen those)

As the currency exchange can fluctuate quickly, we recommend you keep a look at the latest rates before your trip and during your trip.

I usually take a screenshot of the latest rates the day before the trip so that I can have a quick look to get familiar with the conversion when I buy something or withdraw money.

Best Way To Get Cash In Thailand

The best way to get Thai Baht is to withdraw money in an ATM or exchange money before your trip/on arrival).

I personally use ATMs to withdraw cash in Thailand as I’m not a big fan of exchanging money abroad, but some people prefer this, so we’ll make sure to cover each topic in this guide.

Withdrawing Cash In Thailand

You can easily find ATMs in Thailand, especially in bigger cities and tourist hotspots.

You’ll find them at banks, malls, supermarkets, airports and other places like Seven-Eleven.

Most ATMs accept debit/credit cards from all over the world. You should be able to withdraw Thai Baht with no problem.

Planning your upcoming adventures? Travel by bus! (It's cheap!)

I personally use Revolut in Thailand to withdraw money.

However, Thailand has a transaction fee for each withdrawal you make. Usually, it costs THB 220, but the price can vary depending on the ATM.

To give you an idea, this transaction fee is around EUR 6 or USD 6.50.

That said, it’s better to withdraw larger sums of money, so you don’t need to pay this fee every time you get cash.

Most ATMs in Thailand allow you to withdraw up to THB 20,000 at a time, but sometimes, you’ll find some allowing you to get THB 30,000.

If you think this is too much money to withdraw at once, you can either store some of it somewhere in your accommodation or agree to pay fees every time you need more money.

How To Withdraw Money In Thailand

Follow the steps below to withdraw cash in Thailand:

• Find an ATM
• Insert your card
• Select your language
• Click on the option to make a withdrawal
• If you’re given an option for the exchange rate, select the option “Without Conversion”, as you’ll get a better exchange rate this way
• Accept the transaction fees (should be around THB 220)
• Take your money (The ATM will give you the money first)
• Take your card (The ATM will give you the card after the money)

I personally use my Revolut card to withdraw money in Thailand.

Revolut is a great option for travelers as you can freeze and unfreeze your card. There are other advantages for travelers too.

Learn more by reading our Revolut review .

Exchanging Money In Thailand

Another way to get money in Thailand is by exchanging currencies. You can find exchange offices in airports, major cities, or banks.

While some people prefer the convenience of changing money before their trip, it’s better to exchange money in Thailand.

The exchange rates you find in Thailand are usually better.

Now, you may be wondering which currency to take to Thailand. Think of the main currencies such as USD, EUR, AUD, CAD, etc.

However, in Thailand, you’ll only be able to use Thai Bath (THB).

Make sure to count your money yourself too, and check Google Map reviews if in doubt.

For example, in Bali, there are lots of scammers who can trick you and give you the wrong amount of cash.

Overall, in Thailand, you can exchange money confidently, but it’s always better to be safe than sorry.

Payments In Thailand

Cash in Thailand is handy, and you should always have some in your pocket.

That said, payments with debit/credit cards are becoming more popular.

Let’s take a look at the primary payment methods in Thailand.

In most cases, you’ll have to pay with cash.

So, make sure to always have some Thai Baht with you.

If you’re out of cash, you should be able to find ATMs easily, so you can always go withdraw money if needed.

Now, it’s also important to know that some shops won’t accept THB 1000 banknotes if you’re purchasing something for THB 40. It’s helpful to get change when you can.

For example, buy something cheap at Seven-Eleven to get some change.

Debit/Credit Cards

Although there are still places where you can’t pay with cards, you’ll find that some restaurants and stores accept it.

For example, modern restaurants, supermarkets, and malls accept payments by card.

When I pay with a card, I usually use my Revolut card .

In some shops, you can use the contactless method, but in most places, you’ll need to enter your PIN code.

Nowadays, most shops and restaurants use a terminal that changes the locations of the numbers on each round so that nobody can spy on your PIN code.

Finally, if you have a Thai bank account, you can scan the QR code in the shop/restaurant to pay.

This payment method has become very popular amongst Thai people and expats, as you don’t need to carry cash at all times.

Make sure to have access to mobile data to pay via QR code. It can be with a Thailand SIM card or a global eSIM .

Tipping In Thailand

Tipping isn’t necessary in Thailand. However, I always tip. Of course, it’s up to you if you want to leave a tip or not.

As there is no tipping culture in Thailand, you can round it up or leave what you want.

Some restaurants in Thailand add a service charge to the bill, usually around 10-15%. So if that’s the case, you don’t need to leave a tip.

Regarding transportation, if you use a Grab or a taxi, you can also round it up.

Finally, you can also tip when you get a massage or go to the hairdresser. While it’s not mandatory, it’s always appreciated.

Thailand Travel Money Tips

The best way to get Thai Baht is to use an ATM to get cash or exchange currencies in Thailand.

The best way to travel with money in Thailand is by using a travel card, like Revolut . This way, you can pay by card when you can or withdraw money easily.

Having a Thai SIM card to access the Internet in Thailand can be handy if you want to see the currency exchange rates or find an ATM nearby.

When withdrawing larger sums like THB 20,000, we recommend the following:

• Put your money somewhere safe (wallet or money belt ). You can hide some money in different compartments of your wallet if possible. I usually use one hidden pocket for a larger stack of money and put THB 2,000 in the main section. This way, when I open my wallet, nobody sees a stack of THB 1,000 banknotes.
• If you’re driving a scooter in Thailand , put your wallet or money inside the seat.
• Once you arrive at your accommodation , find a safe spot for your money. You don’t need to carry all your money at all times (unless you want to). If you stay in a hostel , make sure to keep your money hidden and locked in a locker. If you stay in a hotel, you can also hide and lock your money or simply put the “don’t disturb sign” on the door. As a result, you’ll get no cleaning and no strangers in your room.

How Much Money To Bring To Thailand

It all depends on your travel style and budget. I always get money on arrival, so I don’t really “bring money to Thailand”.

Although, if you wish to have money on arrival, you can exchange money before your trip.

Here are some pointers to keep in mind to figure out the right amount of money to bring to Thailand:

• How long is your trip?
• Is your accommodation paid for, or will you need to pay on arrival?
• Are your tours and activities paid for, or will you need to pay on arrival?
• How are you planning on getting around Thailand?
• What’s your budget for Thailand?

Once you know the answers to these questions, you should be able to have a rough idea of how much money is needed in Thailand.

Alternatively, you can withdraw cash on arrival instead of bringing money with you. ATMs in Thailand are available in airports, shopping centers, and most cities. So, you’ll be able to get cash easily.

Opening A Bank Account In Thailand

If you plan to stay in Thailand for a while, consider opening a bank account. It will make your life easier and allow you to pay with the QR code.

You can open a bank account in Thailand with almost any bank. Some banks are recommended for foreigners (Bangkok Bank is a good example).

It’s also important to note that opening a bank account in Thailand requires some paperwork.

For example, you’ll need to show the following documents:

• Residence certificate (if you’re based in Chiang Mai, read our guide to getting the Chiang Mai Residence Certificate )
• Rental agreement

Thailand Money Transfers

The best way to transfer money to Thailand is with Wise .

I’ve used Wise several times to send money to a Thai bank account, and it works fine.

It usually takes a few days, so make sure to send money ahead of time if required.

Alternatively, you could also use Revolut to transfer money to Thailand.

That said, it’s worth comparing your options to find the best currency exchange rate and transfer fees.

Let’s see why you may need to transfer money to Thailand:

• Paying rent to the landlord
• Buying a property in Thailand
• Making a payment for a visa (for example, the Elite visa)
• Payment of utility bills

Final Thoughts On Money In Thailand

And that’s all you need to know about money in Thailand!

Having a travel card from Revolut is the best way to manage your money.

It’s easy to top up, gives you an excellent exchange rate, and you can use it to pay for things in Thailand.

As you can see, having cash is still a must in Thailand. Just make sure to be smart about it and pay attention to where you put your money.

Traveling to Thailand soon? Read one of the following guides:

• Things to do in Ao Nang
• How many days in Chiang Mai
• Phuket to Krabi

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The 3 Best Travel Cards For Australians to Use in Thailand

Thailand is a super popular year round destination for Australians looking for great food, fascinating culture, nature and beaches. If you’re heading off to Thailand you’ll need to think in advance about how to pay for things while you’re there. While you might be able to pay by card in Thailand in a restaurant, tourist hotel, or in a big shop, cards aren’t universally accepted, so it’s essential to have some Thai baht cash too. 

Not sure how to sort out your Thai travel money? Join us as we compare the 6 best travel cards for Thailand, for spending and ATM withdrawals, and present their main features, pros and cons.

Wise debit card - our pick for travel debit card for Thailand

With the Wise card :

• Convert Aussie dollars to Thai baht at the mid-market exchange rate
• It's very easy to set up and order
• You can receive foreign currency into a multi-currency account linked to the card
• You can transfer money to a bank account overseas

It's not all good news though

• There is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• It takes 7-14 days for delivery

Click here to see the full list of cards and how Wise compares

What are different types of travel cards?

If you'd rather not cash while you're travelling, you might be wondering what the best cards to use in Thailand are.

The best card will really depend on what you want to get from the card.

In this article we list, what we think are, the best prepaid, debit and credit cards to use overseas.

They can be either prepaid, debit or credit cards designed specially for overseas use. You can use travel cards to make purchases online, in stores and to withdraw money at ATMs. There are 3 popular types:

Travel Debit Cards

Prepaid travel cards, travel credit cards.

Let's have a look at each one.

Debit Cards offer the convenience of a credit card, but work differently. They draw money directly from your bank account when you make a purchase. It's designed for everyday money transactions and means that you're not accumulating debt.

A debit card could make you stick to your travel budget, because you can't overdraw money from your account. And for daily purchases, we think a debit card can help you stick to your travel budget, because you can't overdraw money from your account.

Generally, we recommend having the combination of a travel debit and travel credit card for safety, flexibility and convenience on your trip.

Wise - travel debit card for Thailand

• No annual fee, hidden transaction fees, exchange rate markups
• No minimum balance requirements
• Allows you to make payments and withdrawals wherever you are in the world in over 40 currencies
• Local bank account details in Australia (AUD), the UK (GBP), the USA (USD), Europe (EUR) and New Zealand (NZD)
• It takes 7-14 business days to receive the card
• Can't always access local technical support depending on where you are
• Free cash withdrawals limited to under $350 every 30 days
• Only currently available in the US, UK, Europe, Australia and New Zealand

Read the full review

For prepaid cards, you're able to load the card with a set amount of money in the currencies you need. Ideally you do this before your trip, but often you can reload them as well.

Most prepaid travel cards allow for multiple currencies to be loaded onto the card. So it's important to know what currency you'll be using on your travels. Airlines also offer prepaid cards so the money you spend can earn you reward points.

With prepaid travel cards you need to be careful. They can have numerous fees and charges, which can make it more expensive than other options. But if you're organised and travelling to multiple cities a prepaid travel card is a good option.

Revolut - prepaid travel card for Thailand

With this card:

• No purchase fee, load fee, reload fee, exchange rate margin or minimum balance requirements
• Unlike other Travel Cards, its free and easy to use the balance of your currency or convert it back to AUD
• Mid-market exchange rate, they add a mark-up for currency conversion during weekends
• For the free Standard account, there is a 2% ATM withdrawal fee when you withdraw over $350 during a month
• The premium account costs $10.99 a month, which can really add up if you are not using it often

Click here to see the full list of cards and how Revolut compares

• Very easy to use app
• Free to set up
• No hidden fees or exchange rate mark-ups (except on weekends)
• You can use it to transfer money to a bank account overseas
• Additional fees for using the card on a weekend
• 2% ATM fee once you withdraw more than $350 in any 30 day period
• 3-4 business days before you receive your card
• Ongoing subscription fee for Premium and Metal cards

Credit cards have obviously been around for a long time. But now there are specialised travel credit cards. Generally, these cards give you longer to pay back what you've spent but the interest rates after this time can be quite high.

The main advantage with credit cards are the reward points you get in return for your customer loyalty when you spend. But it only works if you pay off the balance in full each month.

Credit cards are great to use for car hire, restaurants and accommodation - larger expenses that are easier for you to pay back over time. Some services only take credit cards to hold purchases so they can definitely be handy while you're travelling.

28 Degrees - travel credit card for Thailand

• There are no annual fees
• No overseas purchase fee or currency conversion fee
• You get 55 days interest free on purchases
• Access to free 24/7 concierge service
• Emergency card replacement worldwide

The 28 Degrees Platinum Mastercard has additional benefits including shoppers and repayments benefits cover.

• Can have 9 additional cardholders
• No overseas purchase fee, or currency conversion fee
• No foreign transaction fee
• Free Replacement Card
• High interest rates after the initial 55 days
• Minimum credit limit is $6,000
• No introductory offers or rewards

FAQ - 3 best travel cards for Thailand

Which card is better to use in Thailand?

There’s no single best card for use in Thailand - in fact, having several different ways to pay can make sense in case one card isn’t accepted by a particular merchant. Consider getting a travel credit card and a low cost travel debit card from a service like Wise or Revolut, to make sure you’ve always got an easy way to pay in THB.

What's the best prepaid card to use in Thailand?

Choosing a prepaid card which lets you hold a balance in THB can be a good way to budget for your trip, and can help keep costs down too. Compare a few cards to see which suits you best, including options with digital multi-currency features like Wise and Revolut.

Can I use an Australian debit card in Thailand?

Where cards are accepted you’ll be able to use your Australian debit card in Thailand, but it’s worth knowing that cash payments are still common, and card payments aren’t always an option. Carry some cash with you, and consider making ATM withdrawals locally with a specialist travel debit card to keep costs low.

What is the best way to pay for things in Thailand?

Card payments are not always accepted in Thailand, so having some Thai baht in cash is essential. Carrying several payment methods is a smart plan - such as some cash and a debit card or credit card - so you’ll always be able to pay conveniently.

Which debit card has no fees in Thailand?

Different card providers have their own fees - and foreign currency spending may mean paying extra if your bank adds a foreign transaction fee to your purchase cost. Consider getting a specialist travel debit card, such as the Wise card or a card and account from Revolut, to hold and spend a THB balance with no extra fees to pay.

Is Visa or Mastercard better for Thailand?

Card payments aren’t always available in Thailand - but where they are, the chances are that both Visa and Mastercard cards can be used. Look out for your card’s logo near the payment terminal and on ATMs.

How can I avoid transaction fees in Thailand?

Choose a no foreign transaction fee debit or credit card to keep down the costs of spending in Thailand. If you have a multi-currency account from a provider like Wise or Revolut you could convert your AUD to THB seamlessly online or in an app, to spend with no foreign transaction fee while you’re away.

Need to know more about travelling to Thailand?

Passports, Visas and Vaccinations

How Much Things Cost in Thailand

Currency in Thailand

Banks, ATMs & Currency Exchange

The Best Cards to Use in Thailand

7 Common Travel Money Traps to Avoid in Thailand

The current account for your travel money.

Great escapes, meet your match. Spend and withdraw cash with your Starling current account anywhere, for free.

T h e   c u r r e n t a c c o u n t   f o r y o u r   t r a v e l   m o n e y

Great escapes, meet your match. Spend and withdraw cash with your Starling current account anywhere, with no fees from us.

Why Starling’s current account is great for travel

Instant alerts when you spend.

In real time. And in both currencies.

Spend fee-lessly.

Pay on card or withdraw cash abroad anywhere, with no fees from us.

Great rates.

We pass Mastercard’s real exchange rate onto you, and don’t add anything on top. So you’ll get more for your money - whatever currency it’s in.

Holiday spending. But better.

Benefits of travelling with Starling’s current account

Friendly human help. If you’re awake, so are we. Get support in-app 24/7.

Lost your card? Lock it in the app , or order a new one to be sent out to you, wherever you are.

Settle payments. Paid together? Pay friends and family - or get paid back - with Nearby Payments and Split the Bill .

Flight next week? Start spending from your digital wallet straight away.

How far can £100 take you?

Use our travel tool to see how far £100 can take you in the world’s top tourist destinations.

• Try the tool

How does Starling’s current account stack up against other banks when it comes to travel?

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Data correct as of 8 April 2024.

Not just for travel

Get more from your money with Starling’s simple, award-winning current account. With features such as instant notifications, Spending Insights and Saving Spaces, money management has never been easier. Apply in minutes from your phone.

• Find out more

Use Starling for your travel money. Apply for a current account today and enjoy app-based banking at its best.

Currency calculator.

Need to convert GBP to USD or EUR? Use our currency converter to calculate the exchange rate. We won’t charge you for spending overseas – but do bear in mind that some ATM providers may charge their own fee.

Calculating rate...

Frequently asked questions

Do i need to let you know that i’m going abroad, what’s your exchange rate, will i be charged for using my debit card abroad, how do i work out the exchange rate i’m going to get, read our blog posts on travelling with starling, how to avoid card charges abroad.

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Travel Money Card Thailand

Travel money card for thb.

The Travel Money card stores Thai Baht (THB) so that you don’t have to convert Aussie dollars while travelling. Buy currency and monitor conversion rates with the Travelex exchange rate tracker . The Travel Money Card can be used at any Mastercard-supporting establishment and is compatible with most ATMs worldwide.

There are no international ATM fees 1 or currency conversion fees^ with the Travel Money Card - instead, you can exchange cash and spend money with the card, similar to how you would debit cards.

Features and Benefits

UNLIMITED FREE overseas ATM withdrawals 1

Highly competitive exchange rates

NO fees when you buy online $0 Currency conversion fee ^

24/7 Global Assistance

Convenient Mobile App Download it here

Shop at millions of outlets wherever Mastercard is accepted and on international websites with the local currency

Buy online, collect in-store or get it delivered to your home

5 ☆ outstanding value award winning travel money card

Exclusive offers with Mastercard Priceless TM Cities

No account or membership required

How our Travel Card Works

Order your travel card.

Order your Travelex Money Card online or in-store (passport or driver's license required)

Get your travel card

Free delivery to your home or collect from a Travelex store

Home delivery

Delivered within 1 to 3 days

Download the App

Download the app from the Google Play and Apple App stores

Register for My Account

Simply activate your card by registering your account via the app or online

Manage and check your balance online and on your mobile

Exchange leftover currency

After your trip, exchange leftover money for another currency, transfer into your bank account or withdraw in-store or at an ATM.

Download the Travelex Travel Money App

Convenience on the go

• Top up your Travelex Money Card
• Check your balance
• Quick touch log in

The app requires Android 5.0 and up or iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.

Fees and Limits

NO fees online $0 Currency conversion fee ^

Withdraw daily up to AU$3,000 (or currency equivalent)

Maximum Card limit of AU$50,000

Free initial and replacement card

The following fees and limits apply. Fees and limits are subject to variation in accordance with the Terms and Conditions. Unless otherwise specified, all fees will be debited in AU$ Currency

If there are insufficient funds in AU$ Currency to pay such fees, then we will automatically deduct funds from other Currencies in the following order of priority: AU$, US$, EU€, GB£, NZ$, THB, CA$, HK$, JP¥, SG$.

• Online: FREE via travelex.com.au or the Travelex Money App • In-Store: FREE for loads of foreign currency (loads of Australian dollars (AUD) incur a fee of 1.1% of the amount or $15 whichever is greater).

• Online: FREE via travelex.com.au or the Travelex Money App • In-Store: FREE for top-ups of foreign currency (top-ups of AUD incur a fee of 1.1% of the amount or $15 whichever is greater). • BPAY: Top-ups not made via travelex.com.au or the Travelex Money App incur a fee of 1% of the amount. - MasterCard Biller Code: 184416 - Reference No: your 16 digit Travelex Money Card number - Funds will be allocated to your default currency. To check your default currency login to your account.

FREE (note: Some ATM operators may charge their own fees or set their own limits)

• Charged at the start of each month if you have not made any transactions on the card in the previous 12 months
• Unless your card is used again, or reloaded, this fee applies each month until the card is closed or the remaining card balance is less than the inactivity fee.

AU$4.00 per month

• Charged when you close your card or withdraw from your Card Fund. This fee is set and charged by Mastercard Prepaid.
• This is applied when you move your funds from one currency to another currency.

At the then applicable retail foreign exchange rate determined by us. We will notify you of the rate that will apply at the time you allocate your funds from one currency to another.

• Applied when a purchase or ATM withdrawal is conducted in a currency either not loaded or sufficient to complete the transaction and the cost is allocated against the currency/ies used to fund the transaction.

FREE* *The Spend Rate will apply to foreign exchange transactions in accordance with the Terms and Conditions.

AU$350 or currency equivalent AU$100 or currency equivalent

AU$50 or currency equivalent

The maximum amount you can load on the card at the time of the initial online purchase is AU$5,000 equivalent.

to a maximum of $10,050 per single top-up; and to a maximum of $10,050 top-up value over 24hrs; and to a maximum of $20,000 top-up value over 21 days.

AU$3,000 or currency equivalent

AU$15,000 or currency equivalent

Other Important Information

Please read the following information about your Travelex Money Card carefully:

• Your Travelex Money Card does not generate any interest or any other similar return. You do not earn interest on the amount standing to the credit of the Travelex Money Card Fund accessed by the card.
• Although the issuer of the card is an authorised deposit-taking institution in Australia, the Card is not a deposit account with the Issuer.

Important Information about Fees & Limits for loads/top ups made online:

• If you are making a purchase or topping up the Card online via www.travelex.com.au (i) the initial load and top up fee may differ to (but not be greater than) those contained in the “Fees and Limits Table” of this Product Disclosure Statement; and (ii) the limits may differ to those contained in the “Fees and Limits Table” of this Product Disclosure Statement. Travelex may also charge a card surcharge if you pay with a credit or debit card. Please refer to the relevant online terms and conditions available at www.travelex.com.au for details of the applicable fees and limits.
• AU$ cannot be loaded or topped up onto a card online via www.travelex.com.au

Terms & Conditions

Travelex travel card currency information.

The Travelex Money Card is the best travel card to use in Thailand, not only because it can store THB, but also because it is compatible with establishments familiar with Mastercard, and can be used at most ATMs worldwide without any ATM fees 1 . You can load Aussie dollars into your Travel Money Card and enjoy convenient travel around Thailand with the security of cash advances on your card.

You can use the Travelex Money Card in Thailand to make payments at Mastercard-supported establishments. There’s no need to worry about an international ATM fee 1 or annual fee with the Travelex Money Card. You can set up your card easily with the Travelex Money App .

Urban areas in Thailand offer a variety of payment options, including travel money cards. Using a card may be more convenient for travelling around cities - however, bear in mind that regional areas in Thailand may only accept cash. It’s recommended to have both card and cash on hand so that you can pay correctly wherever you are in Thailand.

One of the best ways to carry money in Thailand is with a travel money card. With the Travelex Money Card, you can save money on conversion fees ^ by locking in a prevailing exchange rate before your travels and even store multiple currencies at a time.

Go online or find a store to purchase a Travelex Money Card before travelling to Thailand.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Travelex Money Card in conjunction with the issuer, EML Payment Solutions Limited (‘EML’)(ABN 30 131 436 532, AFSL 404131). You should consider the Product Disclosure Statement for the relevant Travelex Money Card and Target Market Determination available at www.travelex.com.au , before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

^ A foreign exchange ‘Spend Rate’ rate will apply to foreign exchange transactions in accordance with The Product Disclosure Statement.

* Transacting via some online merchants may incur a surcharge.

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Customer support.

Online Order Queries:

• Tel.:  1800 440 039
• Email:  [email protected]
• Map:  Suite 45.01, Level 45, 25 Martin Place, Sydney NSW 2000

• Disclosures

The Best Travel Credit and Debit Cards with No Foreign Transaction Fees (Updated 2022)

No matter where you go or how long you travel, using a credit or debit card with no foreign transaction fees is one of the easiest ways to save money while travelling, period.

Currency exchange booths at airports and banks can be convenient, but a lot of your money goes towards exchange fees (e.g. $10 per exchange) and hidden commissions padded into poor exchange rates (especially the booths advertising “no commissions”). With a bit of research and planning, you can save  hundreds , if not thousands of dollars in fees over the long-term!

Credit and debit cards with no foreign transaction fees are the cheapest, easiest ways to get money and make payments overseas.  Credit cards are accepted worldwide, and ATMs are internationally networked through the Visa/Plus and Mastercard/Cirrus networks. You enter your PIN and withdraw your cash just like you would at home, while the exchange rates are automatically handled by the banks.

However, some credit and debit cards are better than others!  For the majority of cards, banks still try to add commissions and fees to each payment or ATM withdrawal made abroad. Even if you don't travel a lot, these fees add up quickly.

We've rounded up the best credit and debit cards around the world that minimize or eliminate these fees, putting more money back into your adventure funds!

NOTE: These are cards to be used overseas to avoid foreign transaction fees. For the best all around travel points cards, check out the travel rewards cards section of CardRatings , as well as our free guide “ How to Get Free Flights with Travel Credit Cards and Points “!

The best travel credit cards with no foreign transaction fees

Credit cards have various features that can make or break your travel savings. Ideally, these are the features to look for in a credit card:

• Foreign transaction fee of 0%
• Competitive points or cash-back rewards program (at least 1% of the purchase price)
• Extra perks, like free car or travel insurance

The best travel debit cards with no foreign transaction fees

These are the ideal features to look for in a debit card:

• Foreign transaction rate of 0%
• International ATM withdrawal fee of $0
• Refund of third-party ATM withdrawal fees (This is rare, but it exists!)
• Competitive points or cash-back rewards program (at least 1% of the purchase price)

Many banks around the world have come together to establish the Global ATM Alliance . If your card belongs to a bank in the alliance, you can make withdrawals from banks at other alliance member ATMs around the world without paying additional fees . Here's our roundup of the best debit cards for travel.

Essential tips for using debit and credit cards while travelling

1. pay using a credit card whenever possible..

Foreign ATMs can still inflate their exchange rates and charge withdrawal fees, but a direct credit card payment only involves the credit card you signed up with in your home country. And with a good points or cashback program, this beats any other method of foreign payment.

Bottom line? Always pay with a credit card, but  NEVER withdraw cash from an ATM with one. Credit cards charge interest on cash advances from the moment you withdraw it at the ATM.

2. Never take the option of paying in your own currency

Card terminals at shops and hotels will often detect that your card is from another country and offer to bill you in your home currency. Never choose this option – always pay in the foreign currency!  The exchange rate offered will be inflated by the card terminal, so if you’re using one of the credit cards recommended above, you will receive a much better exchange rate.

3. Inform your debit and credit card providers of your travels

Credit and debit cards are frequently being monitored by security departments for suspicious activity. If you're from the U.S. and you make an ATM withdrawal in Thailand when they don’t know you’re overseas, this could appear suspicious to your bank, and your card might be locked the next time you withdraw. Give your bank or credit card provider a call and let them know when and where you’ll be travelling. Take it from us – you  do not want to be stuck without cash and a useless card!

4. Obtain at least one debit and credit card on each of the Visa/Plus and MasterCard/Cirrus networks.

Even if you follow the advice in tip #3, it’s possible your card could get locked anyway. On top of that, it’s easy to find yourself in a situation where an ATM accepts only one network and not the other. For example, when we travelled in Japan, the only ATMs we could find that would even accept international cards were at 7-Eleven, and they only worked with cards on the Visa/Plus network. I speak from experience – there’s nothing more stressful than needing more cash and not being able to withdraw it, so be prepared and bring multiple cards on multiple networks .

5. Consider a credit card with included insurance

The jury is still out on whether it's safe to rely on car and travel insurance that is sometimes provided by credit cards, and unfortunately, the only way to know for sure is to file a claim after the accident has happened. If you're concerned about insurance, its best to be safe and purchase it from the car rental company, but if not, you might as well pay with a credit card that offers car insurance and hope for the best if you do end up in an accident. We generally try to use American Express cards when thinking about insurance, as they are managing the insurance on the cards worldwide, whereas Visa/Mastercard insurance is often handled by the card's issuing bank, and may not be as straightforward to redeem.

6. Keep backup cards in your hotel room

If you lose all your credit and debit cards while overseas, you're going to be in quite the pickle. Always keep at least one extra card back at your accommodation in case your main card or entire wallet is lost or stolen while you're out.

7. Bring $100 USD as backup cash

When all else fails, U.S. dollars are the closest thing to a global currency that we have today. It's the most commonly accepted currency, not only at exchange booths, but even at shops and restaurants in other countries. If there are no ATMs in sight or your cards have been stolen, an emergency backup of U.S. dollars will get you out an emergency situation.

Do you have another card recommendation? Know something we don't? Write it in the comments below!

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Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions expressed here are author's alone. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Nice! This is really helpful thanks!

Great tips for travelers!

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What are the best U.S. debit and credit cards to use overseas?

Just got off a long phone call with HSBC Canada. They are unable to tell me what their card issuer exchange rate surcharge. I had just come back from Mexico and used my HSBC ATM card on a HSBC ATM machine and I calculated the fee to be about 2.1% based on that days interbank rate. Shouldn’t this fee be in the disclosure statements? There was a class action lawsuit I believe many years ago because the credit card companies failed to state their foreign exchange surcharge. From what I’m reading on the Global ATM website is that Visa is involved with the foreign exchange when using an ATM and it states they add a 2.5% foreign exchange fee. You didn’t show this in your nice graphics above. Is it berried in the base exchange rate?

We use Visa Avion, which is good in all categories but I believe they do charge a slight foreign transaction fee. But we have claimed through their default insurance, both car, health, and travel. All minor things, but ya, no issues. The card is not free however, and unless you spend a lot each month or travel frequently it’s not worth it. For us, the points for the business transactions transfer to personal, so it really adds up! (Currently we have more than enough to fly the entire family pretty much anywhere. ) When abroad we usually only use the card for car rental or nicer hotels and of course flights or trains and such (to access insurance benefits one must book the flight etc on that card…) But read the fine print, confirm with the agent. For example, usually to get car insurance you have to wave the rental companies insurance. (This saved us a ton in Africa!) The rental agencies will even phone and confirm if they don’t know the card. These cards were set up for frequent business travelers originally. But read the fine print too, I know our card covers 30 days from home, but you can add insurance to the card for longer trips too. It’s all through RBC, and like any blood sucking corporation there are advantages for the savvy but their ultimate goal is to get you to pay twice for the same thing. Read the fine print, phone your card agent, etc… But we honestly have found the Avion worth it for us because of the company points.

This info is super helpful! For Canadians, what about the Marriott Rewards® Premier Visa® Card? I’ve been looking into credit and debit cards for an upcoming trip to Southeast Asia, and came across this card today. From what I can tell, it seems pretty good (no foreign currency transaction charges and has perks). Anyone have any experience or thoughts on this card? Thanks!

so where do you find that tangerine thrive chequing account info? I have an account with tangerine and I can find no info on this animal on their website

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Disclosures Many of the listings that appear on this website are from companies which we receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. Thrifty Nomads has partnered with CardRatings for our coverage of credit card products. Thrifty Nomads and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Best Ways to Take Money to Thailand in 2024

Friendly people, stunning scenery and a great climate make Thailand a top tourist destination all year round. Whether you’re looking to visit cultural sites, hang out with elephants or relax on the beach, there’s an idyllic option awaiting you. Thailand doesn’t have to be a super expensive place to visit - but you will still need some baht on hand to pay for things while you’re there.

This guide walks through 4 of the most popular ways to take money from Canada to Thailand, including their benefits and drawbacks, to help you pick the right one for you.

Best ways to take money to Thailand

The best way to take money to Thailand will depend on your specific needs and personal preferences. To help you decide which option or options will work for you, this guide walks through the pros and cons of the following choices:

Prepaid travel cards to use in Thailand

Ideal for: easy ways to add money in Canadian dollars and then withdraw and spend Thai baht on arrival, with low fees and good exchange rates

Some prepaid travel cards available from specialist services here in Canada allow you to add money in CAD and then convert to the currency you need in your destination. That means you can add your funds whenever you’re ready and switch over to THB for spending and withdrawals, to lock in the exchange rate and set your travel budget. It’s also possible to leave your balance in CAD and then just have the payment card convert for you when you transact - but bear in mind some cards may charge a fee for this service.

As well as Thai baht, prepaid travel cards are usually linked to a multi-currency account you can use to hold a selection of currencies, and manage them from your phone.  You may also get extra features like ways to send and receive international payments, depending on the specific card you select. A prepaid travel card with no ongoing fees and a broad selection of supported currencies can be used for all your spending and withdrawals in foreign currencies, making this a good choice for frequent travellers too.

Learn more about our picks for the 5 best prepaid cards - there’s more on our top choice, Wise, next.

Wise - our pick for prepaid travel card

With this card:

Hold and exchange 40+ currencies and manage your money from your phone

No annual or monthly fees to pay, and no minimum balance requirement

Currency exchange uses the mid-market rate with no markup

Some free ATM withdrawals available every month

Receive payments to your account with local bank details for up to 9 currencies

Read a full Wise card review

Pros and cons of taking money to Thailand with a prepaid travel card

Hold a balance in THB and spend with no extra fee

Not connected to your normal bank account which is good for security

Cards are available with no minimum balance or ongoing fees to pay

Currency exchange may have better rates than a bank will offer

Not all prepaid cards have international features - look out for one specifically optimised for travel

Exchange rates may include a markup on the mid-market rate

ATM fees may apply, depending on the card you pick

Some cards won’t support THB for holding and exchange, and may charge a fee if you spend in an unsupported currency

Travel debit cards to use in Thailand

Ideal for: spending overseas conveniently with a multi-currency account that is not  linked to your main CAD account

If you prefer to spend with a card when you’re away, having a separate account for travel purposes can be a smart move from a security perspective. That means you can keep your travel budget apart from your primary CAD account - plus, if your travel card was stolen or lost, you can cancel it without needing to replace your normal CAD bank card.

Some travel debit cards also support multi-currency balances, which can make it easier to set your budget in advance, However, Thai baht isn’t a commonly supported currency which means you may pay a foreign transaction fee when you’re spending and making withdrawals in Thailand.

We’ll go into more detail about our top pick for a travel debit card - the Canada Post Cash Passport - next. You can also learn more about the best travel debit cards in Canada here.

Canada Post Cash Passport - our pick for travel debit card

Get your card conveniently online or in a Canada Post location

Load any of up to 7 major foreign currencies - THB is not supported for holding a balance

No fee to spend a currency you hold in your account

Lock in exchange rates in advance of travel

Free secondary card in case your first is lost or stolen

Pros and cons of taking money to Thailand with a travel debit card

Keep your travel money separately to your main bank account for easier budgeting and extra security

Some cards can be picked up instantly in person with no need to wait for delivery

Cards from specialist services are often linked to multi-currency accounts you can use on future trips too

No restrictive eligibility rules, interest or penalty fees

THB may not be supported for holding a balance, which means you may pay fees when you spend in Thailand

You may pay a fee when converting from one currency to another, which can be rolled up in the exchange rate you get

Some cards have card order or closure costs associated

Taking cash in Thailand

Ideal for: most purchases - cash is the primary payment method used in Thailand

Cash is used for nearly two thirds of all transactions in Thailand. In major tourist areas you’ll find that hotels, stores and restaurants may accept a card payment, but you’ll definitely need some baht in cash when making smaller purchases, if you’re off the beaten track or when you’re or shopping at markets and independent retailers.

You can buy THB travel money in advance from a service like Canada Post, or you may prefer to carry cash in CAD, USD or EUR to exchange on arrival. However, the easiest option for many people is just to make ATM withdrawals once you’re there. That means you don’t need to carry all your travel money on departure, and you don’t need to be organised in advance. If you use a prepaid travel card from a provider like Wise you might also find you get some fee free withdrawals and a great exchange rate.

Do I need cash in Thailand?

Yes. Cash is used for over 60% of transactions in Thailand so you’ll need to have THB with you at all times.

The easiest option is usually to get your travel cash as and when you need it by making ATM withdrawals on arrival. Choose a prepaid card or travel debit card and you may also find you benefit from low or no fees and a strong exchange rate.

How to buy Thai baht on arrival in Thailand?

If you want, you can carry Canadian dollars or another major currency like EUR or USD, to exchange when you land in Thailand. However, bear in mind that exchange options will be limited outside of busy areas - and as you’ll need to shop around to get a good deal you’ll have to take precious time out of your trip. Avoiding the exchange service offered by your hotel, and heading to a busier area in a city or resort to exchange your money will usually mean getting a better exchange rate.

How to buy Thai baht in Canada?

You can buy Thai baht in cash in Canada before you travel if you want to make sure you have some in your pocket when you arrive. Canada Post has partnered with CIBC to offer foreign cash for collection or home delivery, or there are individual currency exchange stores in all major urban centres. Fees and exchange rate markups may apply.

Best place to get Thai baht from 

There’s no single best place to get your travel cash. Providers pick their own rates and fees, which can vary widely. Shopping around is essential - remember to look at both any upfront cost and the exchange rate being offered, as there’s often an extra charge tucked away in the rate a provider uses for retail customers.

Pros and cons of taking cash to Thailand

Cash is often the only way you’ll be able to pay, so having some is essential

Carrying some cash at all times is a good back up in case your card can’t be used

Make ATM withdrawals when you need to and you won’t have to carry large amounts of cash at any one time

Carrying a lot of cash isn't particularly safe

You’ll usually waste time during your break if you’re having to compare costs to get a good deal

Exchange rates vary widely and usually include a markup - an extra fee

Travel credit cards to use in Thailand

Ideal for: secure and convenient spending in THB with options to spread out the cost of your trip over a few months instead of saving in advance

Travel credit cards can be used as easily as any other credit card - but you’ll benefit from international features like low or no foreign transaction fees, complimentary travel insurance or extra rewards when you spend overseas. There are eligibility restrictions to consider, and you’ll often have to pay an annual fee, but credit cards can have attractive benefits - plus you may need one as a payment guarantee when hiring a car or checking into a hotel.

One important point for travel to Thailand is that credit cards are expensive when making cash withdrawals with a cash advance charge and higher rates of interest compared to purchases. As cash will be pretty essential during your trip to Thailand, this can push up your overall costs.

Learn about our top pick - the HSBC World Elite Mastercard - next.

HSBC World Elite Mastercard - our pick for travel credit card

Spend internationally with no foreign transaction fee

Variable interest rate based on purchase type and personal circumstances

Add extra cardholders to your account for free

Lots of extras and travel benefits offered

24/7 support of you’re a victim of theft or fraud

Pros and cons of travel credit cards to Thailand

Get travel rewards, discounts and perks when you spend overseas

You can spread the costs of your trip out over a few months

Some cards have low or no foreign transaction fees

Use as a payment guarantee in hotels and when renting a car

Interest and fees usually apply if you don’t pay back your bill immediately

Cash advance and interest costs apply when using an ATM

Eligibility rules apply

Travel requirements from Canada to Thailand

If you’re going from Canada to Thailand as a tourist, you’ll not usually need a visa for short visits of up to 30 days. You will, however, need to double check your passport is valid for 6 months after the point you enter Thailand or you may be turned back from the border.

Check the Canadian government’s travel advisory page to learn more and to get detailed information for your specific destination.

Does Thailand accept Canadian dollars? 

No. You won’t be able to spend CAD anywhere in Thailand. If you’re carrying Canadian dollars with you you'll need to exchange them for Thai baht when you arrive.

Best currency to take to Thailand

You’ll only be able to spend in Thai baht in Thailand. While you can carry cash in CAD and convert it on arrival, or get some baht in cash before you leave, for many travellers using a specialised travel card for cash withdrawals as and when you need them is the easiest solution.

Top travel money tips to Thailand

Here are a few final tips to help your money go further while you’re away:

Have several different payment methods in case one isn't accepted wherever you are

Get a travel money card before you leave to make it easier and cheaper to spend and withdraw in Thailand

Use the handy Exiap guides to learn more about currency exchange, travel cards, and more

How much money do I need per day in Thailand?

Thailand offers great travel options for all budgets. While you can splash out on top end luxury, it’s also popular with backpackers and people trying to cut the costs of day to day life. Generally, you’ll find food and attractions are pretty cheap, and there are plenty of different accommodation options to suit all budgets.

In Thailand on average you’ll find a 3 course lunch for 2 will set you back in the region of 34 CAD, but bear in mind that around popular tourist destinations you may pay more. A domestic beer is under 3 dollars, and you can pick up a cheap meal for about the same cost.

Do some detailed research to see how much things are likely to cost based on your plans and where you’re headed, so you can plan your budget. Get more detailed cost information by country and city, from Numbeo.com .

How much does it cost to fly from Canada to Thailand?

At the time of writing (November 2023), the cheapest flights from Canada to Thailand start from around 1,400 CAD per person return. These cheaper options are likely to include one or more stops and layovers which increase journey time. Direct flights are available but come with a higher price tag - at the time of research, you’ll pay at least 1,700 CAD for a direct flight.

Conclusion - best ways to take money to Thailand

You’ll need Thai baht to pay for things during your trip. Having several different ways to pay is usually a good bet, just in case one option isn’t accepted by a merchant or hotel.

A good solution for many people could be to get a travel card - such as a prepaid travel card from Wise or a Canada Post Cash Passport - and to carry that as well as your regular debit or credit card as a back up. You can then use your travel card to make ATM withdrawals on arrival to get baht in cash. Plus if you pick the Wise card you can hold a balance in THB so you can lock in your exchange rate and set your budget in advance.

Use this guide to decide which option to take money to Thailand will work best for you, based on your own preferences and needs.

FAQ - best ways to take money to Thailand:

Should I exchange money before I travel to Thailand?

While you can switch Canadian dollars for THB before you travel, it’s actually very easy to just make a cash withdrawal at an ATM on arrival in Thailand. This can also be cheap, and may get you a better exchange rate compared to exchanging in advance, particularly if you have a travel card from a provider like Wise.

Can I withdraw Thai baht from a local ATM?

You can’t withdraw Thai baht at a normal ATM in Canada. However, you can get a travel card to make an ATM withdrawal on arrival in Thailand, which will often mean you pay less compared to using your bank card.

Are prepaid travel cards a good way to take money to Thailand?

Travel prepaid cards from services like Wise are a safe way to spend when abroad. With Wise you’ll also get mid-market exchange rates and low, transparent fees which can bring down the costs of your trip.

Can I use cash in Thailand?

Yes. In many cases, cash will be the only option for making payments in Thailand. In general, making sure you always have some cash in Thai baht, and a travel card for spending or getting cash from an ATM, is a good choice so you have a back up plan if you ever need it.

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13 replies to this topic

https://daytodaydata.net/

*Never heard of a Wise card.

I have ordinary free debit and credit cards through my banks and credit unions. The debit cards work in Thai ATMs and make withdrawals from my checking accounts. I also have credit cards for any emergencies that may come up or if I need to purchase a flight when on holiday.

Do NOT travel with a single source of spending money! You could damage the card, lose the card or it could be stolen. Have back up sources for spending money.

Have fun in Thailand.

The only potential advantage of a Wise card is that you will tie in the exchange rate euro to baht when you convert rather than the rate at the point of sale/withdrawal if you don't. You could win or lose depending on whether the euro goes up or down against the baht

Helpfully you don't say your nationality.

Nonetheless if EU, euro then you can only withdraw €200 per month from ATM with Wise, before they start charging extra fees. I advise you check out their t&cs. It's £200 in £ Sterling.

I use a standard credit card with no foreign fee. Get good MasterCard rate. Never seen the nedd to go with a more exotic offering. However if it suits your needs, then use it.

I use Wise to transfer funds but have yet justify getting the debit card. For card purchases I have a CC that does not charge the foreign currency surcharge that most cards charge.

We live here too and use the wise card to exchange our AUD to THB when the exchange rate is as good as it can be at any given time. We only use the card for purchases at big supermarkets and sometimes 7-11.

It's great for transfers to our Thai banks.

We have used it in many countries to withdraw from ATM because we have no fee free international withdrawal from our ING bank.

Cash exchange is still easiest for holidays as you lose 200thb at ATM usually, which makes any difference in exchange minimal if any

Tripadvisor staff removed this post because it did not meet Tripadvisor's forum guideline limiting each user to a single forums screen name.

Avoid taking cash from an ATM if you can, because the ATM will charge you a fee. I have a Wise card and changed from my home currency to baht, but I also had some transactions where I had no baht, so it used my home currency. The cost was exactly the same - the only difference was in the exchange rate - making holding funds in baht a bit pointless.

#9 ATM fee is 220 baht, I don't know where you get those other figures from.

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