Cash & Payments for a Night Out (2026)

• Thai ATMs charge foreign cards a flat fee per withdrawal (commonly around 220–250 THB). Fewer, larger withdrawals cost less.
• Decline the ATM’s own currency conversion — choose to be charged in baht.
• Use ATMs inside banks or malls rather than dark street machines.

• Rooftops, hotel bars and clubs generally accept Visa / Mastercard.
• Thai QR (PromptPay) is everywhere, but usually needs a Thai bank app or a travel app that supports it.
• When paying by card, choose baht, not your home currency.

Size it from the budget bands, then add a buffer for a late Grab or an extra round. Keep 100 and 50 baht notes for smaller bars and baht buses.

• Don’t flash cash on the street or at the table. See scams.
• Pay round by round in smaller bars — fewer bill surprises.
• Photograph your card details? No. Keep a backup card in the hotel safe instead.