Thailand's currency is the Thai baht, written THB4. One US dollar equals about 33.59 baht as of 23 October 20263. Cash covered 78 percent of tourist spending in 2024, so bring baht for small buys and expect ATM fees of 220 to 250 baht a withdrawal1013.
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Mid-market rate, refreshed in your browser. The booth and the ATM will give you less than this: the difference is their fee.
Updated 2026-10-23
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Thailand's money is the Thai baht, written THB4. The Bank of Thailand prints notes worth 20, 50, 100, 500 and 1,000 baht, in a 2023 record6.
The newest notes are plastic, not paper. The 50 and 100 baht notes became polymer on 21 November 2025, after the 20 baht note switched on 24 March 20227. The 1,000 baht note shows Rama IX and Rama X together on the back, based on a 2018 record8.
One baht splits into 100 satang, much like a dollar splits into cents9. Coins in daily use run from 25 satang up to 10 baht, as of 20269.
Cash still rules in Thailand. In 2024, cash was 78 percent of what tourists spent, cards were about 20 percent, and QR payments across borders were just 0.2 percent10.
Carry some cash with you. The numbers show most tourist spending in Thailand still runs through cash, not a card10.
App Store · soonThai baht is what you need for almost every purchase11. US dollars work only at places that choose to take foreign cash, mostly hotels and some upscale venues11.
Carry baht for everyday spending, like food stalls, taxis and shops. Keep US dollars only as a backup for hotels that are willing to take them.
You can change money at banks, ATMs or exchange booths12. Airports, hotels and tourist area counters usually give worse rates12.
Most Thai banks charge 220 to 250 baht for each ATM withdrawal on a foreign card, as of 202613. AEON Bank charges the least, 150 baht, not free as older data once suggested13. That is down from an earlier 2023 estimate of 250 to 350 baht, so the general fee has changed too1.
A single Thai ATM withdrawal is capped at 10,000 to 30,000 baht, based on a 2023 survey1. Plan on more than one withdrawal for a long trip.
At a dedicated exchange booth chain like SuperRich, changing money instead of using a bank counter at Suvarnabhumi airport can save roughly 2,200 to 2,500 baht on a large exchange, since the booth charges no commission14.
Pack a card that works well abroad, and always decline the currency conversion offer shown on an ATM screen1.
Tell your card issuer your travel dates so they do not block your card by mistake.
If you carry more than USD 20,000 in cash, declare it to Thai customs when you enter or leave, under a 2023 rule15. Taking Thai money out of the country is capped too, at 500,000 baht to bordering countries and 50,000 baht to anywhere else, as of 202316.
Thailand uses the Thai baht, written THB4. One US dollar equals about 33.59 baht as of 23 October 20263.
Not for most things. Thai baht is needed for almost every purchase, and dollars only work at some hotels and upscale venues that choose to accept them11.
Most banks charge 220 to 250 baht per withdrawal on a foreign card, as of 202613. AEON Bank charges the least, at 150 baht13.
You must declare foreign cash to customs if it totals more than USD 20,000 when you enter or leave Thailand, under a 2023 rule15.
Up to 500,000 baht if you are heading to a country that borders Thailand, or 50,000 baht for anywhere else, as of 202316.
Yes. One baht splits into 100 satang, and coins in daily use run from 25 satang up to 10 baht, as of 20269.
Exchy is a converter without ads that tracks ATM fees in 35 countries including Thailand, checks exchange booths, and works offline. Get Exchy on Google Play.
ATM fees for the country you land in, a booth check and a converter with no ads. Ever.
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