泰国ATM外币卡手续费：各银行对照表
用Visa卡在泰国ATM取款，每次手续费是250泰铢；用Mastercard在Kasikornbank、Krungsri、SCB和Government Savings Bank取款，每次是350泰铢。UOB两种卡都收250泰铢。Krung Thai和ttb标价220泰铢。Bangkok Bank没有公布数字。
阅读英文版 (Read this guide in English)
用Visa卡在泰国ATM取款，每次手续费是250泰铢；用Mastercard在Kasikornbank、Krungsri、SCB和Government Savings Bank取款，每次是350泰铢。你自己的银行还会在泰国银行收的费用之外再加一笔手续费。
每次取款手续费，按银行看
| 银行 | Visa | Mastercard | 银联 | JCB |
|---|---|---|---|---|
| Kasikornbank | 250泰铢 | 350泰铢 | 250泰铢 | 没有公布数字 |
| Krungsri | 250泰铢 | 350泰铢 | 250泰铢 | 250泰铢 |
| Krung Thai Bank | 220泰铢 | 220泰铢 | 220泰铢 | 没有公布数字 |
| ttb | 220泰铢 | 220泰铢 | 150泰铢 | 没有公布数字 |
| UOB | 250泰铢 | 250泰铢 | 250泰铢 | 没有公布数字 |
| Government Savings Bank | 250泰铢 | 350泰铢 | 250泰铢 | 没有公布数字 |
| Bangkok Bank | 没有公布数字 | 没有公布数字 | 没有公布数字 | 没有公布数字 |
| SCB | 250泰铢 | 350泰铢 | 250泰铢 | 250泰铢 |
| AEON | 没有公布数字 | 没有公布数字 | 没有公布数字 | 没有公布数字 |
各银行的几个细节
Krungsri还标出American Express卡每次取款50泰铢。
Bangkok Bank没有公布数字，所以确认前先看清ATM屏幕上的金额。
柜台还是ATM
Krungsri在柜台用Visa卡取款收200泰铢，它的ATM收250泰铢；UOB对Visa或Mastercard收200泰铢。
拒绝ATM的货币转换
ATM问你要不要把取款转换成你的本国货币时，说不，选泰铢。这项转换服务会额外收费，在Krung Thai是取款金额的4%。ATM必须让你自己选，拒绝也不影响取款。你自己的银行换汇更便宜。
少付手续费的办法
- 少取几次、每次多取一点，因为手续费按每笔交易收。
- 看看哪家银行对你的卡收费更低：在四家银行，Mastercard是350泰铢，Visa是250泰铢。
- 店里支持的话就用二维码付款。大多数银行对电子支付免收手续费，PromptPay把银行账户绑定到手机号或身份证号。
- 如果你的签证符合条件，就开一个泰国银行账户。银行账户指南里写了哪些银行接受哪些签证。
如果想改换现金，可以看清迈换汇。
图片 (4)
- Nuzzer X
- thannachart wongtree
- Khue Ho
- chai jongasachat
未确认： Bangkok Bank和AEON没有公布外币卡手续费，所以确认前先看清ATM屏幕上的金额。ttb和Krung Thai的价目表比较旧，220泰铢可能已经变了。
常见问题
泰国ATM对外国卡每次取款收多少手续费？
大多数大银行对Visa或银联收250泰铢，对Mastercard收350泰铢：Kasikornbank、Krungsri和SCB。
Mastercard比Visa贵吗？
在Kasikornbank、Krungsri、SCB和Government Savings Bank，是的：350泰铢对250泰铢。UOB两种都收250泰铢，ttb和Krung Thai两种都标价220泰铢。
手续费会随取款金额增加吗？
不会。手续费按每笔交易收，所以一次多取一点，就只付一次。
为什么要拒绝ATM的货币转换？
它会额外收一笔货币转换费，在Krung Thai是取款金额的4%。拒绝也不影响取款。
银行柜台比ATM便宜吗？
在Krungsri，Visa卡是的：柜台200泰铢，它的ATM是250泰铢。
用二维码付款能免掉ATM手续费吗？
大多数银行对手机支付等电子支付免收手续费。这指的是付款，不包括取现。PromptPay是把银行账户绑定到身份证号或手机号。
更多中文指南
本文是依据上述来源核实的一般信息，不构成针对你个人情况的法律意见。价格、规定和营业时间可能变化，请到现场再确认一次。指南的核实方式见： How we check （英文）。
发现错误？ 请告知编辑。
评论 (8)
comradeheifer
Call the number on the ATM. They will let you know when they go to retrieve it and you can pick it up at the bank branch.
colofire
The atm card ends up at a bank branch nearby the next day Just go with your id to collect it
查看全部 8 条评论
snreddit
How much should I convert ? Hi Going to be in Bangkok end of the month also visiting Chiang Mai and Phuket Most of the accommodation and flights are booked. Most need currency for local stuff like food , transportation, excursions How much should I have roughly? I want to avoid paying ATM fees and currency exchange. Worst case if I had to do it where should I do it in Thailand?
3 条回复
tutankhamun7073
One thing to note is that when SuperRich, you need to have your physical passport with you. Oh Rich on the other hand accepts a photo of your passport which is nice.
Nipkut
eat 2x a day in a good local restaurant with a drink at each meal: 250-300B - A 1 hour oil massage: 200B -300B and 100 tip if the massage is well done or 50 if it wasn't great) - (3-4 beers in a bar 80x3= 240B) - Some snacks at 7Elevens (Soda water bottles eat) 150B - Fruits in the street or smoothie: 150B - 200B - transport: 40-60B Just for a normal day you're at 1300B without counting the activities... if you like girls... girly bars...
mopie69
When i had to pay the ATM fees i thought b200 was taking the P* just to use the machine .. but that's me. Fortunately it p* me off so much I got a thai bank savings account 15 years ago when it's was easy and free. Now i use Wise to convert euros to bahts and in 10 seconds or less I can get funds from EU to an ATM in Bangkok fee free and card free using my phone.
D_Phuket
Much simpler to use an ATM than traveling to Super Rich. The yellow ones spit out 30,000 and unless you mistakenly allow dynamic currency conversion where it’s showing amounts in USD, you’ll get the good mid-market Visa/MC exchange rate. At the end of the trip, pay your hotel with excess baht and have them charge the rest to your credit card. I always do that and avoid converting money again.
Thehealthygamer
There's already quite a few solutions. My Fidelity card reimburses me all ATM fees. Just checked and got $6.30 back from the last time I pulled money out here in Thailand. Also, I wouldn't call 220 baht exorbitant. And finally, consider the niche you're trying to compete in. You'd be going directly against financial institutions. Do you really expect to be able to build a product that's more competitive? This would be a massively expensive field to get into, the security and regulatory compliance alone would eat up tens of millions in capital. At this point you'd have to actively pay me to use your product as Fidelity refunds all of my fees so it costs me nothing to pull money out of ATMs. Plus I can pull directly out of my Fidelity trading account, even money sitting as cash position in there is earning north of 5% right now in their money market, that beats the hell out of most checking accounts. Not trying to shit on your idea - just I would never try to go compete against these billion dollar financial institutions. That's a losing game.