Let’s talk money, because while Thailand might be all sunshine, Pad Thai, and paradise beaches, knowing how to pay for things can quickly become stressful if you’re not prepared.

One of the biggest questions we see in travel forums and community groups is: Do I need cash in Thailand, or can I use my card?

The short answer? Cash is still king in Thailand. But there are times when having a great travel card can make life easier. Here’s everything you need to know to stay stress-free and money-savvy during your trip.

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Why Cash Is Essential in Thailand

You’ll definitely want to carry cash with you. Here’s why:

• Street food stalls, taxis, markets, and smaller shops are usually cash only.
• Some restaurants and bars accept cards but may add a 3% fee. This is the cost to them; they just pass this on to the customer.
• In rural areas or on small islands, ATMs can be few and far between. Or as is so often the case, just not working!
• Cash is often quicker and easier—especially when you’re bartering or jumping in a tuk tuk.

💡 Top tip: Always carry a mix of small notes. Many vendors can’t break large bills (especially 1,000 THB).

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How to Get Thai Baht

ATMs are everywhere, at the airport, outside convenience stores, in shopping malls and tourist areas. But there’s a catch:

• Most ATMs charge a 220 THB withdrawal fee (approx. £5/€6) per transaction, regardless of amount.
• Your bank at home might also add a foreign transaction fee on top.

That’s why we always recommend using a travel card like Wise.

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Why We Recommend Wise (and Genuinely Use It)

Wise is our go-to for travel. Here’s why:

• Great exchange rates, you’ll get the real mid-market rate with no hidden markups.
• Low fees on currency conversion.
• Safe and secure: Instantly freeze your card, and get notified of transactions in real-time from your phone.
• Multi-currency accounts: You can hold and spend in multiple currencies without worrying about extra charges.
• Backups are a breeze; you can order a second card or use the virtual card in the app if your physical one is lost or damaged.

We never travel without at least two cards, usually our Wise card and a backup credit card, just in case one gets swallowed by an ATM, stops working, or gets lost or stolen.

👉 Sign up for Wise here to get started with low-fee, reliable travel spending.

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Do People Use Card in Thailand?

Yes, but not everywhere. You can typically use your card at:

• Major hotels and resorts
• Upscale restaurants and bars
• Shopping malls and supermarkets
• Some beach clubs and tour operators
• And of course, 7 Elevens

Just keep in mind:

• Most hospitality venues will charge a 3% card fee
• Some international cards might get declined randomly, it’s more common than you think
• You’ll need mobile data or Wi-Fi to approve app-based bank notifications when using your card. We recommend purchasing an e-SIM from Airalo for instant connection on arrival.

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What About Forex Booths in Thailand?

You’ll see currency exchange booths all over Thailand, especially in popular areas like Bangkok, Chiang Mai, and the islands (yep, Koh Samui too). These are known as forex booths, and they let you swap your home currency for Thai Baht. Rates can actually be pretty decent, often much better than the airport, but unless you’re staying somewhere with a lockable safe, we wouldn’t recommend carrying around a ton of cash.

A better option? Work out your weekly budget before you travel, grab some baht from your local currency exchange before you fly, and then top up with ATM withdrawals or your Wise card while you’re here. That way, you’re not stressed about losing a thick wad of notes while sipping on your mango smoothie.

To reduce the need for cash even further, book your activities and day trips online. We always recommend using trusted platforms like GetYourGuide for excursions and 12Go Asia for booking ferries, buses, or train tickets across Thailand, both of which accept cards and are super easy to use.

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Our Top Tips

✅ Always carry some cash and at least one card
✅ Use Wise for better rates and easy app control
✅ Withdraw larger amounts per ATM transaction to minimise fees
✅ Carry multiple cards in different bags or with your travel buddy
✅ Check with your bank before you travel to avoid card blocks

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While Thailand is slowly catching up with digital payments, cash is still the easiest and most reliable way to pay in 80% of day-to-day situations.

That said, having a smart, low-fee card like Wise can save you time, stress, and a surprising amount of money, especially if you’re withdrawing large sums or booking things online.

Travel smart. Spend wisely. And don’t forget to save some cash for mango sticky rice at the market. 😉

Sending sunshine from Koh Samui,