ATM Fee Calculator
See how withdrawal size changes what Thai ATM fees cost you as a percentage of your cash.
Enter your own fee
Thai ATM fees for foreign cards are charged as a flat amount per withdrawal, and reported figures vary by bank and card network and change over time — this tool doesn’t assume one. Check the fee shown on the ATM screen before you confirm, and enter that number below.
How this is calculated
The number of withdrawals is your total cash needed divided by your withdrawal amount, rounded up — a withdrawal only comes in the size you ask for, so this can mean withdrawing more than you strictly need. Multiply that by the flat ATM fee, add your home bank’s percentage fee on the cash actually withdrawn if you entered one, and that total is your fees paid. The same total divided into fewer, larger withdrawals always costs less, because the flat fee gets charged fewer times.
For the mechanics behind the fee itself — including your home bank’s own charges and why to always decline Dynamic Currency Conversion — see Thailand ATM Fees for Foreign Cards.
Related guides & tools
- Sending money to Thailand: methods, fees and rates — when a transfer beats withdrawing cash on a foreign card
Frequently asked questions
Why doesn't this start with a default ATM fee already filled in?
Reported fees vary by bank and card network and change over time, so any default we picked would be a guess presented as fact. Check the fee shown on the ATM screen before you confirm the withdrawal, and enter that number.
Why does a larger withdrawal cost less as a percentage?
The ATM fee is a flat amount per withdrawal, not a percentage. Spread that same flat fee over more cash and it shrinks as a share of what you received — spread it over less cash and it grows.
Does this include my home bank's own fees?
Only if you enter your home bank's foreign transaction fee percentage — that field is optional. Left blank, the result reflects the Thai ATM's fee only, not what your card issuer adds on top.