Is cash still widely used?
Yes. Despite growth in mobile payment apps like PromptPay, cash remains the default for street food, markets, taxis, and small shops across the country.
Cards and digital wallets are increasingly accepted in cities like Bangkok and Chiang Mai, but rural areas and informal vendors still expect cash.
ATMs and withdrawing cash
ATMs are widely available, even in small towns. Most charge a flat foreign transaction fee of around 220 THB per withdrawal, on top of your bank’s own fees.
- Withdraw larger amounts less often to reduce fees
- Some Thai banks offer lower fixed fees for foreign cards
- Always choose “without conversion” when asked at the ATM
Card acceptance
Major hotels, malls, and chain restaurants accept Visa and Mastercard. Smaller guesthouses, markets, and transport often require cash, so carry enough for daily needs.
Tips for travelers
- Carry small denominations for markets and tuk-tuks
- Notify your bank before traveling to avoid card blocks
- Keep a small cash reserve for emergencies and tipping