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Last update – January 26, 2015
The 150 Baht ATM fee – Introduction
When travellers enjoy their Thailand travel trip, they don’t want to take too much cash with them to reduce loss in case of theft: Common sense, isn’t it?
Unfortunately the Thailand banks take advantage of this. They charge their own additional ATM fees: I call it the 150 Baht ATM fee, respectively now the 180 Baht ATM fee. Once home, these ATM fees will not show up on your bank statement as a fee, but as an extra cash withdrawal! Hence if you withdrew 20’000 THB, the statement will show you, that you withdrew 20’150 THB. The normal withdrawal ATM fees, that your bank charges you anyway, will be on top of that.
I think, that this fee for all Thailand tourists using an ATM is a real nuisance! And that is why I want to give you tips, how to avoid or – at least – how to diminish its effects:
Completely avoid the 150 Baht ATM fee: There is only one bank in Thailand, that does not charge the 150 Baht ATM fee. Scroll down for the details.
Diminish the effects of the 150 Baht ATM fee: Some banks impose small maximum withdrawal limits as low as 10’000 Baht per transaction. Most banks limit it at 20’000 Baht. This forces you to withdraw money more often and always pay the fee again and again. A few banks allow you to withdraw more. Scroll down for the details.
Completely avoid the 150 Baht ATM fee in Bangkok Thailand
Citibank doesn’t charge the ATM fee. Citibank does have three branches in Bangkok. Instead of linking to an ATM locator I just give you the address and a link to Google maps for each branch.
Citibank Asok branch
Soi Sukhumvit 21, Bangkok
For your travel planning
Close to the skytrain /BTS station Asok and even closer to the subway / MRT stop Sukhumvit. It is just opposite the street from the Terminal 21 shopping centre, easy to find.
Citibank Centralworld branch
CentralWorld, Thanon Rama I, Bangkok
For your travel planning
Take the sky-train / BTS to “Chit Lom” and follow the signs to Centralworld. The ATMs are on the 4th floor close to the entrance of the Isetan department store.
Citibank Silom branch
Thanon Silom, Bangkok
For your travel planning
Take the skytrain / BTS to “Sala Daeng” or the MRT/subway to “Silom” and take the exit into Silom road. Walk to the opposite direction than the Lumphini park. It is after 300 metres on your left in the United Centre building.
Banks, that no longer offer a withdrawal without the 150 ATM fee
HSBC no longer runs ATMs in Thailand, because they have given up their retail business.
Aeon, that has Thailand wide branches, has joined the Thai bankster club and is now charging the 150 Baht ATM fee as well since about the beginning of 2014.
Save time and book your local Bangkok tour before even arriving there
Diminish the effects of the 150 Baht ATM fee
The following banks allow withdrawals over 20’000 Baht at once, which is useful if you want to pay your tailor or someone else in cash. Keep in mind, that you probably have to increase the per day withdrawal limit of your own card-issuing bank. Phone the service centre of your bank in your home country to adjust it.
The maximum I ever withdrew, was 37’000 Baht. Most ATMs can handle a maximum of 50 bills, so I suspect their maximum withdrawal limit might be 50’000 THB. So no Thai 150 Baht ATM fee and high withdrawal amounts: Perfect!
Krungsri bank: Maximum withdrawal limit 30’000 THB
Bangkok Bank: Maximum withdrawal limit 25’000 THB
Thai Military Bank: Maximum withdrawal limit 30’000 THB
CIMB Bank: Maximum withdrawal limit 30’000 THB
Which cards are charged what ATM fees?
Last time I checked – about April 2014 – my Maestro card (a Mastercard debit card) was charged an 180 Baht fee and my Plus card (a Visa debit card) was charged a 150 Baht ATM fee. But it seems, that more and more banks now charge the 180 Baht fee for any card.
What about credit cards?
Do not use credit cards for money withdrawal in any country! Depending on the bank, that issues your credit card, you would have to pay a fee of 2 to 5% on your withdrawal. Let’s say, the fee would be 2% and you withdraw 20’000 Baht: That would sum up to 400 Baht, which is about 12 USD. So please don’t use a Mastercard or Visa credit card to withdraw money!
My Thailand Amazon book recommendations for you
101 Things To Do In Bangkok, Thailand
The Ultimate Thailand Travel Guide: How To Get The Most Out Of Your Journey Through A Southeast Asian Paradise (Asia Travel Guide)
Lonely Planet Thailand (Travel Guide)
Lonely Planet Thailand’s Islands & Beaches (Travel Guide)
The Vagabond’s Guide To Chiang Mai, Thailand
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