Bangkok

Why is the Thai ATM charging 220 baht?

Foreign card, bank lobby machine. The screen wanted 220 on top of my home-bank fee. Is that a scam or the fee everyone quotes.

The 220 is a fee on the screen, not a secret

Hit	What it is	What to do
~220 THB Thai-bank charge on a foreign card	Common 2026 traveller figure on major-bank machines	Believe this screen, not a 2023 blog
Conversion to your home currency (DCC)	Extra spread	Decline; take THB
Five 2,000 THB withdrawals	Five flat fees	One larger withdrawal, as far as the machine allows
Airport arrivals ATM at 01:00	Same fee family	Fine for a taxi; not how you fund the week

I have not seen a Bank of Thailand tourist leaflet that prints 220 on a poster. The number on this machine was 220. Daily budget treats that as a line item. A cloned card is a different problem — scams.

This is not financial advice. Bank name and whether you declined conversion. That is the useful reply.

Budget

11 comments

Dan Okafor

I have been taking the 220 as a line item. One withdrawal. Chinatown machines in a bank lobby, not a tourist-strip box if I can help it.

17d

Ploy

Decline the conversion. If the screen is in your home currency with a “nice” rate, that is the spread. THB.

17d

Lukas Weber

Some home banks rebate ATM fees. That is a you-problem. The Thai 220 still hits unless your card is on a local deal I have not seen.

17d

James Collingwood

This is not the 10,000 baht immigration evidence. Do not withdraw 10k at 01:00 just to photograph it for the desk.

17d

Nate Grant

Is AEON / government-bank machines still the “no fee” rumour. I keep seeing 2019 posts.

17d

Mint Saelim

Believe the screen in front of you. Rumours about a magic zero-fee machine die every year. If it is 220, it is 220.

16d

Yuki Mori

Cover the PIN. Skimming is the scam page. 220 is a fee. Different threads.

16d

Lauren Peck

Wise / Revolut still shows the Thai-bank 220 on many machines. Do not assume the colourful card skips it.

16d

Freya Holm

Chiang Mai same story. I would not hunt a unicorn ATM for 40 minutes to save one fee.

16d

Tess de Vries

Airport ATM for the taxi is fine. Five more the next morning is how the week costs 1,100 in fees.

16d

Rob Ellison

Daily budget page already has this. The question is only: is 220 a scam. It is not. The cloned-card case is.

16d

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