Do ATMs in Thailand take Apple Pay, or should you still bring a physical card?

Contactless withdrawal support varies by bank and quietly changes, which makes it a bad thing for any page to state as fact. The safe assumption remains a physical card, since a phone-only wallet that fails on arrival is a genuinely bad evening. The fee side is separate and does not change with the payment method: https://meetlocale.com/guides/thailand-daily-budget Which banks have you managed a contactless withdrawal from recently, and which refused?