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11
Carry cash for beach vendors, small restaurants, and tour deposits — 5000–8000 baht for a week covers most if you card hotels and malls. 7-Eleven, Big C, resorts take cards. PromptPay QR spreading but don't assume at random stall. ATM 220 baht fee common — withdraw fewer large amounts at Bangkok Bank machine. Patong money changers OK; count cash. Grab accepts card. Island tours often want cash balance on pickup morning.
5
Old Town cafes increasingly card — beach still cash king.