How can expats in Thailand use cash without accessing ATMs or Thai bank accounts?

Western union

Bring cash simple

They use a qr code system. They just scan it with their camera phone and the vendor is paid.

Living with crypto cards is very easy. Whether you withdraw cash from an ATM or spend with the card...

Comments being rude for no reason..

Your option is ATM as much as possible. Reject the ATM exchange rate.

Schwab has a good card for foreign withdrawals, sometimes it’s better value than transferring to a thai bank.

Bring it with you

You can use Morta to pay businesses with a QR code. It's one of the only payment systems that doesn't require a long term visa to load money with a foreign card. You can also open a Wise account to xter money. Otherwise you will need to take cash out of the ATM.

Then ROB is the best choice for you i guess

You bring cash to use cash otherwise it's ATM or international money transfer services like westernUnion

Money changers, super rich is best exchange

Just did 100k baht cash for a friend on a DTV he had no Thai bank, he ended up paying a few cents in fees and got thb cash from a Bank in under 5 minutes after he told me Atm's there are a scam.

I just used my debit card and made sure I got enough out to make the fees worth it

Transfer yourself money using Western Union

Bring cash and go to the exchange places or some banks will do it

Cash pick up using Remitly app its like 40 baht saves using cash machines which are anything from 250 to 350 baht

You bring in $100 bills (suggested) and exchange them for baht. The larger bills have a higher exchange rate.

If you have a IS bank account with enough $ in it, ATM fees are paid back

I use Chase and never pay ATM fees. Chase also gives the highest exchange rate for ATMs (never accept the conversion)

What IS Cash ?

Reverse Osmosis.

They take it out of their wallet and swap it on the counter.

Pick it of a tree what a stupid question

Put a cup in front of you on the pavement and start to sing

You can go into bank with passport and card to take money out with no cash point fees.

I got cash in exchange shop using NFC phone

I use wise card can use at most shops tap and pay, can either have Thai currency already in the wise card or it exchanges on the day super easy or ATM if need cash

Well Thai people are paid in cash but as for foreigners, if they are on holiday then they bring cash with them and exchange it here. If they are expats living here then they are normally on a visa that allows them to open a bank account. I'm guessing all others know of the problems and just use a ATM card. There are so many people complaining that banks in Thailand won't allow them to open a bank account without having a visa that allows that, that is no different to most (probably all) highstreet banks in western countries.

gold and cash !!! and a digital app to pay cashless. what else u need?

There are banks everywhere. All you have to do is bring your ATM/debit card along with your passport, and they waive the fees.

Bring cash and head to Super Rich! $$$

Seems a rather odd question.

Exchange bureau

You can go into the bank and use your credit card,

If you have your country only - go to K bank with your passport and they will give you a Thai debit card good for almost everything. Also when you leave you can go back to the bank and change it back

We always bring $10k cash 🤑

Go to a bank with passport get cash no charges

I got to my container and pul a stack the usey currency exchange to break the 100's down or exchange for whatever I keep trans action under 5000 always worried about attention

So no ATM or Thai bank weird question ? I have a Thai partner I transfer from my country using Wise to her bank account then she uses an ATM to withdraw cash. So I don’t physically use a bank or ATM. If you go the bringing cash route the notes have to be pristine 🤔

I hardly use cash since after covid. Pay almost everything with my telephone bank app. I can even use it at ATM:s if I need cash.

Why wouldn't you just use an atm 🤷🏾‍♂️

Use a cryptocard from Pagocards.com

We rarely use cash now. I go to the ATM like once every two months. I mostly pay via QR codes using a bank's app or True Wallet.

Hir in Thailand Leuft ales über QR Code Zwischen den Leuten.

Für Cash Bezüge brauche ich ATM

Auf dem Markt Bezahlt man Cash Oder QR Code Tanken QR-Code

Bring cash or/and use a card you can top up online(as a back up) in case of any mishaps or over spend that may happen.

Always have a back up

True money app, Ali pay , only small money use cash

They telepathically transfer money

Easy! You get cash with you if you don’t want to use an ATM

There is a True money app you can download and keep topping up at any

Wow... what a weird question! Bring cash with you

There are now some apps that can scan QR codes. Moreta was/is one, load it up and swap cash payments for Scan. Everyone accepts scan to pay here. (Except 7-11 under 200 lol)

Might be some new QR apps now. Check it out.

If you want to spend your national cash. Bring it and change it up. Usually need to show passport when changing cash.

BRING cash and exchange it

Open a wise account

People Thailand mostly do have a Thai bank. So they use QR codes and ATMs.

There are ATMs everywhere.

90% in Thailand use transfer money

If you bring your currency cash, please make sure they are new bills with no tears, pen or pencil marks. Very fussy here.

First time traveling?

Go inside the bank and use the visa machine. Or as other do transfer to a Thai who you trust

I have a credit card liked with my Charles Schwab account … Schwab refunds all international charges

Hand it over. Handy if you specified which country's money.

I transfer 💰 from my NZ acc through wise to my Thai bk acc better rate then bk charges also very quick every 3-4 mths & use my thai bk acc to withdraw a mthly budget, no withdrawal fee charges.

If u don't have a Thai acc your country debit or credit card can be used but U will be charged a withdrawals fee, also limits on amts daily

Have you ever been to Thailand?

Most people don't use cash 🤷🏻

Tap tap or cash dddddarrrrrr

Bring cash with you when you leave home .

Cash is king in Thailand 🇹🇭

Plenty of Thai loan sharks about 😎😎😎555

I have a Schwab card! I withdraw 30,000 baht at a time and Schwab pays the ATM fees! The bank takes about a $3 fee! Better than wiring cash!

Depending upon where you are from; For US, Schwab card gets Thai cash with not ATM fee.

Before I moved to Thailand, I would transfer money to my girlfriend via Western Union. She would go to the W/U office, show her ID and pick up the cash. I don't believe you'd have a problem sending money to yourself from your foreign bank and then just picking it up at W/U.

Cashapp

I put my hand in my pocket take money out and pay

Bring no fee credit cards, no fee ATM from home country

I have money tree in backyard

Bring cash and a credit card. Everyone takes Apple Pay now.

Simply

They use cash by pulling it out of their pocket and giving it to the person that is providing the service or goods.

The same way people use cash in the rest of the world

Brave new world.

ATM my card works as well in Thailand as Canada the only thing is 10 dollars charge 220 baht) to the Thailand bank and a similar amount to my bank.

Also can use credit card or WYSE .

In the past, I've always just brought cash. I've never used an ATM and I don't have a bank account. For many purchases, I use a credit card.

Bring cash with you. There is no magical third option. If you’re a US resident, open with Schwab. They reimburse all ATM fees

They give it to me, no problem, same, same 👍

I used to draw 3 months cash from the Thai bank every time I did a 90 day report. Now I mostly use the bank app and scan qr.

You busk on street corners for cash!

I generally keep cash in my wallet.. That's the usual custom

Mamasan is loaded with cash

With my hands easy peasy

Take cash with you

Go to the cash booth

I literally can go months with no cash. Everything here is do easy to scan and pay..it's kind of a hassle to carry cash

You bring it.

Just open your wallet, it’s very simple really 😂🤣

“Without using ATM” you need to bring cash in the country with you. I use ATM in country, easy peasy.

Using cash is the easy part.

I go to the ATM pull out 20k and cash all the way untill it runs out 👍 locals are similar but probably get 500 baht out 🤔

what does this question even mean?

You can take out 30k from atm and you get charged 250 baht. Not a big deal.

Since this is in the DTV & Retirement Visa group I assume the question was in regards to long term stay not short term? Please clarify as what you can and should depends on how long you will do it for.

Bringing in cash and exchanging it is fine for short term trips but if you are here for more than a few weeks then that means carrying a lot of cash around with you. If you lose it is is gone.

Ideally you would get a Thai bank account and transfer into your bank account and use Prompt Pay (QR Codes) to pay for things locally.

I know that getting a Thai bank account is getting much harder these days so this might not be an option but you should definitely try as I know first hand people who have succeeded when the wisdom of the crowd was that is was impossible. So I would not say impossible just highly improbable.

Your other options are fee free cards from your home country and using local ATM's to withdraw cash this means you get the latest rate which can be both good and bad. Always take out the maximum daily amount where possible so as to reduce fees if you do not have a free free card or one that reimburses you. To minimise the number of ATM transactions.

Other options are things like Western Union to transfer to yourself and pick it up.

Bring cash from your country and then convert it to Thai baht. You save money that way. You can bring up to 20,000. That’s what I did. No atm fees or bank fees

Did see a similar question a while back. 1) Bring money from home, risky but do able. 2) Withdraw money direct from Thai Banks. Apparently, no fees compared to ATMs. 3) Western Union, transfer money from your account direct. Cheaper than ATM.

I use Wise. Having 2 digital cards, one to NFC payments (shops, restaurants, cafes etc), other to online payments (hotel bookings, online shoppings).

I could use physical Wise card to ATM but saving 250THB transferring money to my thai wifes account. She does not have to pay fee using ATM.

IF you are interested Wise you can register to Wise using this link and you can transfer THB without Wise fee.

Carrier pigeons

Bring cash or use atm? What a strange question.

My bank charge 250b to use atm but give a good exchange rate so withdraw maximum amount still charge is 250 b

wich people you mean thai or farang????

People with Thai bank accounts use QR codes to buy stuff

I live her with Thai bank account and an ATM card….are you looking for a magic formula that does not exist?

How do people in Europe or North America use cash without an ATM or bank account?

There’s some strange thing called money exchange. You bring cash in foreign currency and exchange it for Thai baht

Cash is king

I transfer money to my girlfriend through Wise, less fees than using my actual bank and a better exchange rate as well. Then she can withdraw the cash fee free, win win!

Take your currency into a Thai bank with your passport. Free withdrawals

They use cash to pay in shops, restaurants etc etc

Bring your cash with you, and exchange at the gazillion money changers county wide.

You have to fly home everytime you need money, so when you are running out try and plan a trip to withdraw money from your home country and come back with it

I send to my girlfriend. I use Wise.

I dont @

I bring money with me. Rarely use an ATM.

Usdt

Buy Thai baht in your country cxi money exchange right to your door

Bring cash make sure the bills are in good shape

Put the money in a lady friends account using Remitly or some other bank transfer app

Good answer otherwise pay the ATM about 250bht now I think 🤔

Most of them use ATMs to access their money from home.

Otherwise you bring the cash with you and exchange it after you arrive.