ATM fees in Thailand: why THB 220 is outdated and how to withdraw for less

The figure «THB 220» for a cash withdrawal keeps circulating in blogs and chats. For Kasikornbank it is outdated: the fee rose to THB 250, and for Mastercard to THB 350. The same amounts appear in the tariffs of Bangkok Bank, SCB, Krungsri and Krungthai. Below are the figures from the banks’ official documents as checked on 19 October 2026, and ways not to overpay.

What a Kasikornbank ATM charges

Kasikornbank (KBank) publishes its tariff as a separate PDF. Item 18, «Cash withdrawal via K-ATM», gives the fee for international cards, quoted per transaction. We compared four versions of the document:

A separate line in the tariff lists THB 20 for cards issued by non-bank issuers in Thailand. It does not apply to tourists.

What about other banks

We opened the current tariffs of the other four banks. As of 19 October 2026 they all show the same picture: THB 250 for Visa and UnionPay, THB 350 for Mastercard.

What else the tariffs list:

• JCB. THB 250 at SCB, Krungsri and Krungthai
• APN network (Asian Payment Network). THB 50 at Bangkok Bank, SCB and Krungthai
• Other foreign cards at Bangkok Bank. Cards of foreign banks outside the networks listed are charged THB 150
• Limit per withdrawal. Krungthai’s tariff states up to THB 20,000 per transaction on Visa and Mastercard. We found no limit in the other banks’ tariffs
• Withdrawal at a branch counter. Krungthai charges THB 200 per transaction on Visa and Mastercard, which is cheaper than its Mastercard ATM fee, but you have to go to a branch

Krungthai’s earlier version of the tariff (a document with amendments to 2023) said THB 220; the release of 12.10.2026 says THB 250 and 350. Tariffs change: KBank revised its own twice in two years, so check the amount on the ATM screen before you confirm. We did not check the tariffs of ttb and GSB.

How to pay less

• Withdraw less often and in larger amounts. The fee is flat: THB 250 on THB 3,000 is about 8.3%, on THB 10,000 it is 2.5%, on THB 20,000 it is 1.25%. The limit per transaction depends on the bank and the card (Krungthai: THB 20,000), so a large sum cannot be withdrawn everywhere
• Choose baht when the ATM offers its own conversion. This is dynamic currency conversion (DCC). The ATM must show the amount in two currencies, the rate and the markup, and may not choose for you; if the details are missing or you feel pressured, Visa recommends declining. In Krungthai’s tariff this service at its ATMs costs 5% of the amount
• Cancel if the fee on the screen is not acceptable. Find another ATM: the fee depends on the bank and the card
• Compare with exchanging cash. US dollars in 100 and 50 notes at a licensed exchange are usually cheaper; see the guide on where to exchange money and the answer on which dollars to bring
• TAGTHAi Easy Pay wallet. At KASIKORNBANK ATMs you can withdraw cash by QR with no card, free according to TAGTHAi; the terms state a limit of up to THB 10,000

Your own bank’s terms add to the Thai fee: it may charge its own fee for foreign withdrawals and for conversion. For Russian UnionPay cards these figures are covered in do Russian cards work in Thailand.

What we could not find

• The tariffs of ttb and GSB: we did not check them
• The maximum amount per withdrawal on a foreign card at KBank, Bangkok Bank, SCB and Krungsri: it is not in their tariffs, and the KBank K-ATM page is closed to an automated browser
• English versions of the Bangkok Bank and SCB tariffs: both documents are published in Thai only, so the figures come from the tables

Found an error or outdated fact? Tell the editors, we will fix it and update the check date.