Money Guide
Currency & Money Guide
Everything you need to know about Thai Baht, getting the best exchange rates, ATM fees, and tipping customs in Thailand.
Last updated: February 6, 2026
THB (฿)
Currency Code
~35-37
THB per USD (2026)
220฿
ATM Foreign Fee
100 Satang
= 1 Baht
Money Saving Tip
Never exchange money at the airport or hotel - rates are 5-10% worse. Use SuperRich or dedicated exchange booths in malls for the best rates.
Thai Baht (฿) Overview
The Thai Baht (THB, ฿) is Thailand's official currency. It's divided into 100 satang, though satang coins are rarely used. The currency features portraits of Thai royalty.
Banknotes
- • 20 ฿ (green)
- • 50 ฿ (blue)
- • 100 ฿ (red)
- • 500 ฿ (purple)
- • 1000 ฿ (brown/gray)
Coins
- • 25 satang
- • 50 satang
- • 1 ฿
- • 2 ฿
- • 5 ฿
- • 10 ฿
Where to Exchange Money
Ranked by exchange rate quality
| Location | Rate |
|---|---|
| SuperRich (Orange) | Excellent |
| SuperRich (Green) | Excellent |
| Vasu Exchange | Very Good |
| Bangkok Bank | Good |
| Airport Exchange | Poor |
| Hotel Exchange | Poor |
Payment Methods
Cash (Thai Baht)
Essential for street food, markets, taxis
Everywhere
Credit Cards
Visa/Mastercard widely accepted, Amex less so
Malls, hotels, restaurants
PromptPay QR
Thai bank account required
Most shops, 7-Eleven, markets
Alipay/WeChat Pay
Growing acceptance
Tourist areas, malls
Grab Pay
Link to international card
Grab rides, some shops
ATM Information
All Thai ATMs charge 220฿ fee for foreign cards
When ATM asks 'Accept conversion?' ALWAYS choose 'No' or 'Without Conversion' to get better rates from your home bank.
| Bank | Fee | Max Withdrawal | English |
|---|---|---|---|
| Bangkok Bank | 220 ฿ | 25,000 ฿ | |
| Kasikorn (KBank) | 220 ฿ | 30,000 ฿ | |
| SCB | 220 ฿ | 20,000 ฿ | |
| Krungthai | 220 ฿ | 20,000 ฿ | |
| Krungsri | 220 ฿ | 25,000 ฿ |
Tipping Guide
Tipping is not mandatory but appreciated for good service
| Service | Suggested Amount |
|---|---|
| Restaurants | ฿20-100 or round up |
| Hotels (Bellboy) | ฿20-50 per bag |
| Hotels (Housekeeping) | ฿20-50/day |
| Taxi/Grab | Round up fare |
| Massage/Spa | ฿50-200 |
| Tour Guides | ฿100-500/day |
| Street Food | None |
| 7-Eleven | None |
Money-Saving Tips
- Use Wise/Revolut card for better exchange rates
- Withdraw larger amounts to minimize ATM fees
- Keep small bills for taxis and street vendors
- Notify your bank before traveling to Thailand
- Check exchange rates on XE.com before exchanging
Avoid These Mistakes
- Exchanging at airports or hotels
- Accepting ATM dynamic currency conversion
- Carrying only large 1000฿ bills
- Using credit cards for small purchases
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Last updated: May 19, 2026
Reviewed by Pattaya Knowledge Editors