The ATM's own fee
The ATM operator may charge for a withdrawal, separately from your card provider. Read the fee screen before confirming. A travel card does not automatically remove this charge.
BEFORE YOU GO · THAILAND
More prepared.
Fewer surprises.
Know what to check before you pay, connect or arrive. Our first country guide starts with Thailand.
Thailand guide · Sources reviewed 11 September 2026. Fees and entry rules can change; use the linked official sources before departure.
UNDERSTAND THE TOTAL COST
One withdrawal can have several charges.
Your card's charges
Check your issuer's foreign-currency markup, cash-withdrawal fees and any credit-card cash-advance interest. Compare card payments and cash withdrawals separately.
The conversion offer
If offered a charge in NOK instead of Thai baht, that is a separate currency-conversion offer. Choosing THB avoids that offered conversion; your card's own fees can still apply.
Sources: Visa's guidance on paying in local currency and Wise's explanation of issuer and ATM fees.
At the terminal or ATM: look for THB.
Declining the ATM's conversion is different from declining its withdrawal fee. Read both screens. If the total cost is unclear, cancel before confirming and compare another option.
Check a reference exchange rate →Before leaving home
- Read your existing card's price list first. You may already have a suitable option.
- Check withdrawal limits and whether interest starts immediately on cash advances.
- Carry a backup payment method separately, and keep your card-blocking details accessible.
- Plan a sensible cash reserve. Repeated small withdrawals can repeat fixed fees, but carrying a large amount also creates risk.
- At an exchange counter, compare the final baht amount after all charges, not just the headline rate.
CONNECTED ON ARRIVAL
Compare roaming, a local SIM and an eSIM.
Check the total price for your trip length and data use. An eSIM can be convenient, but is not automatically the cheapest option.
Your existing plan
Ask your operator whether Thailand is included and what happens when your allowance runs out. Check voice calls and data separately.
Local SIM or eSIM
Compare local operators' current tourist offers, coverage and registration requirements. Check where you can get support.
Travel eSIM
Check that your phone supports eSIM and is carrier-unlocked. Read the package's activation timing, validity, data allowance and whether it includes calls.
Check Airalo device compatibility →CHECK FOR YOUR PASSPORT AND YOUR TRIP
Entry, cover and practical essentials
- Passport and visa: verify the rules for your nationality, purpose of travel and length of stay with the official Thai e-Visa service or your Thai embassy.
- Arrival card: check the official Thailand Digital Arrival Card instructions for who must submit and when. TDAC is not a visa. Keep your accommodation details ready.
- Travel insurance: read your existing policy's medical, cancellation and activity cover, exclusions and excess. Check any driving or scooter conditions before renting.
- Health and medicines: check official destination guidance and ask a qualified clinician about your personal needs. Verify restrictions on any medicines you carry.
- Local rules and transport: check licence requirements, local customs and current travel advice before planning activities.
- Arrival backup: save your accommodation address, transport plan, insurance assistance number and important documents for offline access.
Norwegian travellers: start with the Ministry of Foreign Affairs travel information.
YOUR PRE-TRIP CHECKLIST
Save the things you need to do.
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TOOLS TO COMPARE
Choose a solution for the problem.
These are options to investigate, not a cheapest-product ranking. Compare them with what you already have.
Read our service guides before choosing. Partner links on those guides may earn Rovairo a commission.
| Option | Potential use | Check before choosing | Official details |
|---|---|---|---|
| Your existing bank card | Use a card you already hold. | FX markup, ATM charges, cash-advance interest and limits. | Your bank's current price list. |
| Wise | Compare a multi-currency card for travel spending. | Availability where you live, card cost, conversion fees and withdrawal allowance. ATM operator fees may still apply. | See Wise pricing |
| Local mobile operator | Compare tourist SIM and eSIM packages. | Coverage, registration, validity, data and support. | Check the operator's official shop or website. |
| Airalo | Compare a travel eSIM before departure. | Device compatibility, country coverage, activation, validity, data and calling features. | See Airalo packages |
TRAVEL BOOKING TOOLS
Useful options for your trip
Some links may be affiliate links. Compare price, coverage and terms before booking.
Find tours, attractions and tickets.
Compare an eSIM before departure.
Compare cars where renting makes sense.