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	Where	Notes
SuperRich (Orange)	Excellent	Central Festival, Terminal 21	Best rates, long queues
SuperRich (Green)	Excellent	Various locations	Same company, good rates
Vasu Exchange	Very Good	Multiple branches	Less crowded alternative
Bangkok Bank	Good	All areas	Reliable, longer process
Airport Exchange	Poor	BKK/DMK airports	Avoid - worst rates
Hotel Exchange	Poor	Hotels	Convenient but expensive

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
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	Note
Restaurants	฿20-100 or round up	Often included as 10% service charge
Hotels (Bellboy)	฿20-50 per bag	Optional but appreciated
Hotels (Housekeeping)	฿20-50/day	Leave on pillow or nightstand
Taxi/Grab	Round up fare	Not expected but appreciated
Massage/Spa	฿50-200	฿50 minimum for good service
Tour Guides	฿100-500/day	Depends on tour quality
Street Food	None	Not expected
7-Eleven	None	Not expected

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