It seems to have repeatedly wrote about what a bank card choose and why they are generally needed, about how to withdraw money in Thailand, but a specific answer to the question of what money to take in Thailand remained behind the scenes. Although somewhere in the comments it says or catch a glimpse in the articles themselves— But as with a certain I get this question at times, then I fill in the gap in as a separate article.
I want to note that this post is relevant not only for Thailand, but also for other foreign countries, especially for those where the currency Tugriks (not euro and not dollars).
The content of the article
- 1 Briefly about how much money to take to Thailand
- 2 Details on how much money to take to Thailand
- 2.1 All options for taking
- 2.2 Card with ruble or dollar account?
- 2.3 Cash dollars
- 3 How to cut commission costs
Contents
Briefly about how much money to take to Thailand
The currency in Thailand is Thai Baht. In Russia, you can not buy them everywhere, and I would not do that. And why? Take with you dollars and not go wrong exchangers in Thailand at every turn. Only In Russia, in the exchanger, a better rate is better suited.
Another effortless option is to bring your own bank cards that you use in everyday life. The main thing is that this card is accepted abroad, that is intended only for Russia will not fit. Any suitable but better not lower than Visa Classic or Mastercard Standart. Account currency bank card (if not bother) is not so important, but when other equal dollar cards are preferred. Actually, I already wrote why we need bank cards when traveling, recommended use travel cards for payment or debit cards cash withdrawals with a good course. It has long been trying to minimize cash spending, although it’s hard to do in Thailand, terminals only in large stores.
What money to take to Thailand
Details on how much money to take to Thailand
Briefly answered the question, now let’s take a closer look at all possible cases because if you go deep and try to minimize losses in the conversion of currencies, then you have to understand a bit of the topic. But if you don’t want it, then I’m already wrote above.
All options that take
- Rubles. They are taken in Thailand mainly only in Pattaya / Phuket / Bangkok and then not everywhere, so you can consider them relatively useless, you have to look for an exchanger, and the course will be so-so. I also read that Bangkok Bank began to accept, but did not checked. The course on their website is indicated and it is predatory.
- Cash dollars and euros. On-site, they can be exchanged for Thai baht in any exchanger or bank, of which in the country more than abound. This option is great for those who are not really uses bank cards, or simply does not want bother.
- Bank card with a ruble account. In my opinion one of the most convenient options without problems if you are traveling for a couple of weeks in vacation. All these troubles with special cards, for the sake of saving pairs of cents, to nothing. And you need to know that a bank card is much safer than cash. If you lose cash, then meet, but The card can always be blocked, plus there are limits on the operation. AT Thailand will be able to withdraw Thai baht from the ruble card in ATM or bank or pay for purchases in supermarkets. Will be Two conversions occur, usually in dollars. (THB=>USD=>RUB).
- Bank card with a dollar account. More profitable option. But it is suitable for those whose income comes in dollars, or who follow for exchange rates and on time purchased dollars and euros. According to карте будет всего одна конвертация (THB=>USD). Cash withdrawal exactly the same thing happens: in ATMs and banks. Better to take Mastercsrd, usually for it less commissions.
- Bank card with euro account. Usually so-so, for she It is necessary for countries where the euro is in circulation, and not tugriks. Need to learn from how your bank converts, because there is a risk попасть на 2 конвертации (THB=>USD=>EUR).
For more information on how to convert rubles to baht, you You can read in my article. There I gave a specific example of commissions and conversions, if bahts were withdrawn from the ruble card and with a dollar.
Card with ruble or dollar account?
Why do I think that a bank card with a ruble account is one from convenient options? First, it makes no sense to have a currency card. for the sake of a two-week trip abroad, save a little. Rather zamorachka with maps for traveling need or those who want confuse, or those who often travel abroad.
Secondly, the majority of income in rubles and ruble cards already are available. Especially if you specifically for the trip will lead card with a dollar bill, exchange rubles for dollars and replenish your account, you will get the exact same conversion scheme (баты=>доллары=>рубли), просто одну из конвертаций(dollars-rubles) you will spend in Russia in the exchanger before a trip. And here you need to understand that if you buy dollars in advance at a good rate, and the dollar will continue to grow, then you win. If a everything will be the other way around, and the dollar will fall, then you will lose. If not clear, then read this post, it sorted out in detail.
Of course, if you follow the exchange rate, you know that the dollar Now growing and will continue to grow, then you probably will not There will be questions about which card and in which currency to take with you. Obviously, you can safely buy the bucks and put them on A dollar card is unlikely to be lost. And again, those who follow foreign exchange market, usually have in stock and ruble cards, and dollar, and euro, and know how quickly to exchange the desired currency online. But for an ordinary person who is going on vacation – it can be only extra trouble, nevertheless you can watch my a selection of maps for travel.
Cash dollars
Most vacationers simply take cash dollars with them. As I said above, this is a good option for those who are not willing to understand. Let’s go to the exchange, bought a few thousand (well, or how many you need there) and everything, no additional actions and hassle with asking bank card fees. Actually, you can and do next. Even if the course suddenly changes for you in the worst side (the ruble will rise, and the dollar will fall), then in a short time (vacation) is unlikely to lose much. That is, rate changes will pass for you not noticeable.
However, I would still still advise to stock up on banking card, ruble or dollar. Since money can run out, and emergency reserve is best kept in a bank account, and not in pocket, safer. Well, and wintering, in my opinion, without a card nowhere. It’s one thing to plan spending for 1-2 weeks, and another for 6 months.
How to reduce commission costs
Does it matter how much money you carry to Thailand if you drive to wintering, and not for a couple of weeks on vacation? I answered no for myself, and I go further with bank cards (different currencies) and take with me some cash just in case. However, here’s what else you need to do. in order to reduce their commission costs:
- Find out what banks are in your city and find out which ones they have real commissions for conversions (call the bank, read on forums), and also who has no cash withdrawal fee ATM of a third-party bank. So you can try reduce the cost of all commissions, of which there may be a lot for the whole wintering True, it will take time. You can build on my selections of maps.
- To shoot not at ATMs, but at the bank’s cash desk, there is no commission there 180 baht for withdrawal.
- Translate your income into dollars, start a dollar banking card in Russia, open an account in a Thai bank and get a Thai a card to which money can be transferred from Russian accounts or profitable to withdraw WebMoney (if you have them).
Well, after you have decided on what to take dollars, rubles, or bank cards, you need to know how much to take to Thailand. However, during the wintering season, expenses can be completely others, both in the smaller party, and in the big.
P.S. A few hundred cash bucks just in case it is good to have in your wallet on any trip abroad, you never know what card happens, or even what the situation is that the card can not or It will be inconvenient to shoot, and the cash is needed urgently.
P.P.S. In connection with the instability of the ruble, it makes sense not only take a dollar card, but also half (or even more) of your own Savings convert to currency.
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