Having accumulated experience of several winterings, withdrawing money in various ATMs / banks and various cards, as well as finally figured out in all conversions, I am writing an article about withdrawing money in Thailand. Yes, and frankly, too many began to meet on the Internet wrong conclusions about the commissions, how to save on withdrawals. People do not even delve into the topic, and then they say that one The card is more profitable than the other.
In this post we will talk only about where to shoot and how take off. Select a bank card for travel leave for another post, otherwise the article will become too long.
The content of the article
- 1 How to withdraw money in Thailand
- 1.1 How to find an ATM
- 1.2 What currency can be withdrawn from an ATM?
- 1.3 Exchange rate at an ATM (IMPORTANT!)
- 1.4 Commission and maximum amount in ATM
- 1.5 How to withdraw money in a Thai bank
- 2 Important points
- 2.1 Commissions when withdrawing money
- 2.2 Blocking Russian Cards
- 2.3 Cards Thai Bank and Webmoney
- 2.4 How to transfer a large amount from Russia to Thailand
- 3 Where to change money in Thailand
How to withdraw money in Thailand
You can withdraw cash from any card working abroad. For all you need is a pin code (ATM) or a passport (bank). There are only 2 ways to withdraw money from a bank card in Thailand. I will tell about each in detail.
- At ATM
- In the bank
How to find an ATM
ATM in Thailand is called ATM and you need to ask the local it is ATM (hey-ti-em), and not otherwise. Signed, by the way, they also everywhere like ATM. There are no ATM ATMs, they do not you will fit.
ATMs on the streets work around the clock, and located in shopping centers naturally close with them. Not no problem finding an ATM in Thailand, they are practically everywhere. Often they are located near the entrance to the 7-eleven.
Shopping centers are usually open from 8 am to 10 pm. The branches of banks located in them usually close about 19 hours, but the ATMs are located outside the terminal and not depend on the closure of the branch. Although there may be exceptions, I was cut off by Aeon ATMs as soon as the bank began to close, barely managed to get a map.
How to withdraw money in Thailand
What currency can be withdrawn from an ATM?
Always ATM gives you only Bats. No dollars, no euros, no rubles, namely, baht, and it does not depend on what is on your card lies. You immediately remove the bats and change nothing after removing need to. They took the money and went with them to the store. But, if the store large (Tesco, BigSi), it is better to pay by card, but about this below.
If you want to ask yourself a task, then make out a card Tinkoff, open an account in baht and shoot 1 to 1. Follow the link get 3 months of service as a gift. Just stop testing. card in the case. Then it will not be necessary to bother at all on courses. currency. How I shot bats from the map.
Checkout the map of Tinkoff →
If you need one or another currency, you will need find exchanger. With their search, too, there are no problems, they are, as separate, and in each bank branch.
The only place in Thailand where you can withdraw dollars – Bangkok Suvarnabhumi Airport Transit Zone (Duty Free Zone), there are currency ATMs (dollars, euros, pounds). I specifically checked when flew out of thailand. Yes, it was during your departure that you You will have access to these ATMs. On arrival, while you go to passport control, I have not seen such ATMs.
Currency ATM in the transit zone of Suvarnabhumi Airport
Exchange rate at an ATM (IMPORTANT!)
ATM does not change your money, it only gives them out. All exchanges your payment system (Mastercard or Visa) and your Russian bank. Therefore, it does not matter in which ATM withdraw money.
However, after all the exchange may be, if you are at it yourself agree Some ATMs offer currency conversion. thai bank. The question appears on the display – “They say, come on I convert, the course is so-and-do, do you want? “. If you see this, you have to refuse and choose without conversion! Course Thai bank unprofitable, and it is worse than your billing system. Here are my instructions for withdrawing money in specific Thai ATMs, look at the photos, how it all looks in practice.
If you agree, it’s not something that you’ll be were expecting. This error is often made by people who do not read that writes an ATM, and then swear at bad exchange rates for those or other cards.
Commission and maximum amount in ATM
Thai ATMs always take their own fixed commission 220 baht. It does not depend on anything, neither on the amount withdrawn, nor from your card, or from your citizenship, or from a Russian bank. The commission is permanent.
Also, all ATMs have a maximum amount limit. withdrawals of 20-30 thousand baht. To not pay a commission several times, You can shoot immediately up to a month in advance. And vice versa, small amounts you should not take off, you will for each operation give extra 220 baht.
Commission 220 baht for withdrawal at an ATM in Thailand
ATM says how much maximum you can take off at a time
How to withdraw money in a Thai bank
They say that some banks, the commission also appeared and makes 180-220 baht. I cannot say for all the banks, since the last time at the end of 2018 shot at the box office of the yellow bank Krungsri and there is no commission.
Come to the office and speak in English “cash advance” or “withdraw from credit card”. You can also get a card, passport, and wave, that, they say, I want to withdraw money from the card. The most important thing is not forget your passport! Without it, the bank will not give you anything, Punish several times and had to shoot at an ATM.
When withdrawing money, your bank card is often scanned, so that the paranoids may not like it very much, as well as the fact that always ask for a pin code. Although the latter again often depends from the settings of your card.
Far from all offices will serve you, sometimes Thais say that they do not have a device for the card and send it to an ATM— Sometimes pretend that they do not understand, or advise to go to another bank.
If ATMs are round-the-clock, then banks work most often with 8.30-15.30 from Monday to Friday. Shopping malls longer hours until 19-20.00, including weekends and holidays.
In the bank you may not be allowed to withdraw a small amount, according to the type of 2-3 thousand baht, say go to the ATM (but it is not necessary). Restrictions on top as such, no, in Siam Bank I was generally told that it was unlimited (not limited). I shot a couple of times 60-80 thousand baht, no longer checked. For large amounts, the bank is still more profitable, since it is better to withdraw in Bank 100 thousand baht and pay a commission once, than to insert card 5 times at an ATM and pay 5 times the commission.
Important points
Commission for withdrawing money
Most importantly, you need to remember a few points.
- The ruble has long been not equal to the bat and do not equate them. 1 baht = 2 rubles and it is necessary to “pray” that was not worse.
- Cash withdrawals at an ATM / bank or when paying card in the store will be in any case and on any card, since происходит конвертация валют, зачастую два раза: Баты => Доллары=> Рубли. And in that order. If the card is a dollar one, then будет только одна конвертация: Баты => Доллары. Each the conversion may contain its commission, and the rates need to look at your bank, not at thai.
- In the store you have to pay by card! Very many Russian banks have their own fee for withdrawing money from an ATM of a third-party bank (in Thai), so it’s more profitable to pay with a card in the store, instead of taking cash and paying it later. True, you can pay by card in Thailand in few places, only in large supermarkets (Tesco, BigC, Macro, Tops Market) and shopping centers.
In addition to theory, I specifically checked whether there is a difference in which ATM / bank withdraw money, withdrawing the same amount in one day on the same map. No difference. Unless, of course, disagree for the conversion of a Thai ATM. Also analyzed and considered by what rates are converted when paying in the store.
If you want to figure out in more detail how does it happen conversion on a specific example, what are the commissions Russian banks, does it matter if you withdraw money with a dollar cards, then read my post How to convert baht into rubles. There I have disassembled everything in detail.
It will not be superfluous to read my other post about a collection of maps for travel, including Thailand, this also applies.
Blocking Russian cards
Thailand is at risk, so Russian banks love their card block. Often I met reviews about Sberbank and Alfabank, but he himself faced only alpha blocking. Resolved a question on call. Therefore, be sure to have multiple cards.
Before leaving, call the bank and specify whether to add country of your future stay in the exceptions. Also required memorize the code word for technical support and put Money on Skype / Viber. In case of blocking the card you need to call will be in Russia to the bank. It is also advisable that your Russian Simka worked in roaming, from the bank can call right during transactions, and if you don’t pick up the phone, they will block and transaction, and card (alpha, hello). Read more about how to call cheap to Russia from abroad.
Cards Thai Bank and Webmoney
If you are in Thailand for a long time, it is advisable to make a map. thai bank. Usually it is the green bank of Cacicorn, because others to issue cards on tour visas refuse. Actually, and hike in Cacicorn may be unsuccessful. In this case, you just need to try happiness in another department. In general, I have repeatedly seen reviews that if you do not just want to open the card, but also a certain amount put money (deposit), then they will give a card in almost any the bank.
Besides the fact that no one will block the Thai card, they still convenient because you can transfer money from a Russian account and they will be stored there in baht, which saves you from frequent monitoring currency rates. Although the dollar is growing overall (and in Thailand too), so the dollar card is also a good choice now.
And that is not all. Thai cards are suitable for withdrawing Webmoney through this exchanger, there are excellent courses. It will be better only if you agree with a private person, you give him WebMoney, he will give you bats.
How to transfer a large amount from Russia to Thailand
Thai bank cards, or rather an account in a Thai bank, you useful for transferring a large amount from Russia to Thailand, for example, to buy an apartment. After all, not in cash to lead.
Only you need to choose the right Russian bank to transfer passed with minimal commissions and at a good rate, on large Loss amounts are particularly noticeable. For example, for such transfers Alfabank fits well, but there it’s necessary to take the maximum (Maximum tariff) that 3000 rub / month costs. Then the transfer fee will be only 0.1%, conversion at the rate of the Central Bank and further at the rate thai bank. You can overtake a decent amount in the Internet Bank (for several approaches, as there are limits), and then switch on the tariff is cheaper or even close the account in Alfabank.
It must be remembered that the transfer for your foreign account is possible only if you have a paper on your hands saying that you notified the tax on opening an account abroad. Otherwise case, the bank will refuse to transfer. Exit – do not transfer money to yourself to a foreign account, and to a third party, for example, a wife / husband.
Where to change money in Thailand
You can exchange currency in any exchanger, or in any branch Bank in separate booths, koi are often found in the resort places. Courses are different, but not much (well, for those who change not very large sums). At airports, the rate is slightly worse than in the city. For large amounts, Superrichthailand is usually advised, they are in Bangkok.
There is also a difference how much to change. Usually there are always 3 course: $ 1-50, $ 50-100 and from $ 100. Accordingly, the best course for amounts from 100 dollars.
Typical currency exchange in Thailand
P.S. Other information about the tariffs of Russian banks, about map selection, about the conversion scheme, in other articles.
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