How can I pay without cash in Bangkok using a Wise account?

I used my wise card in the machines

The ATM fees are small (in relative terms) if you take out the max. you can, which can be ฿30,000 with some machines. You'll pay a percentage with every transaction every other way, anyway.

Just tap with your Wise card, either the physical card or on the Wise app, that's what it's for, Internationally. You can withdraw cash with that as well if you need to. What has Apple Pay got to do with anything?

Withdraw baht, pay 350 baht fee. About $7. Then dont stress, relax and then you can pay the locals a little extra.

What’s best when travelling to South East Asia and Thailand: cash or credit cards?

A good mix of cash, plus one or two credit cards will do the trick.

In Thailand, Cash is king. Restaurants, street vendors, clothing shops, night markets = everyone loves your cash. Many Thais use QR-Pay, a cashless pay method, however for this you would need a Thai bank account.

At the Suvarnabhumi Airport in Bangkok you can get one of the best exchange rates in all of Thailand.

BE CAREFUL: you can't get this best rate in the arrival area or in transit, or on the level with the shops and restaurants. Briefly explained - you should NEVER change your cash in the upper floors of the Suvarnabhumi Airport.

There are bank exchange booths, but at these you get a terribly bad rate, which is at least 3-5 THB per Dollar or Euro or Pound Sterling worse than the rate at the money changers in the basement.

If someone tells you that the exchange rate at the airport is bad, it's because this person has only seen the upper levels exchange booths, and has never been to the Suvarnabhumi Airport basement.

You should also never change in your home country before you travel, the difference is 5-6 THB compared to the rate you will receive in Thailand.

After you have passed Immigration on your arrival, you will be in the area with the baggage belts - before Thai customs. You will see a first ATM in this venue, at which you could withdraw cash with a credit card. NOTE: There are no ATM’s in the concourses BEFORE Immigration.

Drawing Thai Baht at an ATM using your credit card offers the daily mid-market exchange rate, and that's a really good rate.

If your card-issuing bank doesn't charge any commission for using the card abroad, it means you will get Thai Baht for a really, really good exchange deal.

It would actually be a better exchange rate than anything you would get with those money changers in the streets and on the beaches.

The bank that operates the ATM will charge a flat 220 to 350 THB fee (depending on your card type, Master or Visa) for each withdrawal. So you should spread this fee across the maximum amount which you can draw at the ATM.

At most ATMs you get 20.000.- THB in one draw. At the yellow Krungsri Bank ATM you can get up to 30.000.- THB with one draw.

You shouldn't withdraw 2000.- THB or 5000.- THB from the ATM. The 250 to 350 THB fee would hurt a lot!

CAUTION is advised at an ATM: if the ATM offers to show you the exchange rate in your currency on the monitor (dynamic currency conversion), you should ALWAYS refuse! You will lose a lot of money if you agree with the “conversion”!

You will never see the exchange rate applied when using the normal withdrawal method. You will be able to check the rate much later on your account statements. However, I can rest assure you that the credit card provider rate is a very good rate!

One of the advantages of a credit card is: You don't have to take a lot cash with you.

The disadvantage of a credit card however is: If you lose it, or make a mistake at the ATM and the ATM eats your card, you will be left standing in the rain

PAY ATTENTION: at a Thai ATM, the bills will come first, followed by the card! This might be different from the ATM’s in your home country. Many people get caught off guard and forget to take the card from the slot, and Bingo! - the ATM eats your card

WHERE at the airport are the money changers with the best exchange rates?

After passing Thai Customs, you need to take the escalators or the elevators down to the basement of the airport, which is called "Floor B” – or just follow the signs to the "Airport Rail Link"- this is the shuttle train to downtown Bangkok.

Right at the platform of the “Airport Rail Link” there are three money changer booths. With them, you can get the best exchange rate of the whole of Thailand. This is NO exaggeration! At the booths of Superrich, HappyRich and Kasikorn, you will get an identical rate.

Maybe you may get a marginally better rate at the Superrich Head Office in downtown, but you don’t arrive there after your flight. You should take your chance and exchange your cash right here in the airport basement, and right now.

Large denomination banknotes will get you a better exchange rate than smaller denominations. The banknotes should not be creased or torn, or contain any markings and scribbles.

The three money changers in the airport basement are open from 5:30 am to 11:30 pm

In Chiang Mai, you get the best exchange rate for cash at Mr. Pierre. Don’t fall for the copycats (some others use a similar name)

On the Southern islands the exchange rate is always by far less. On the islands I recommend you exchange over a bank counter. Always compare between the bank rate and the rate offered by private moneychangers.

The exchange rate over across a bank counter is rather mediocre, but in the south and on the islands, it is usually the better choice.

Using your credit card or debit card for a change across a bank counter saves you the 250 to 350 Baht ATM fee that would otherwise be charged at the ATM, but the rate is not as good compared to a withdrawal at the ATM

Exchanging cash right after arriving at the Suvarnabhumi BKK airport is a perfect choice for all travellers. It saves you from having to find a private money changer.

Don’t forget: exchanging cash at private money changers will not get you any better rate than if you are drawing at an ATM with your credit card.

With the exception of a marginally better rate at the green and orange Superrich booths in Bangkok and the yellow/black TT-Exchange booths in Pattaya, your credit card is the perfect choice.

Not sure about wise can you not just use the wise card?

I have a Thai bank and the app on my phone and I scan and pay from my Thai account.

as an Australian, ING and Maquarie apparently reimburse the Thai ATM premiums. Apple Pay / Google pay, wise and foreign credit cards are able to be used only at large commercial entities like Tops, Big C, Hotels and similar establishments.

These are also the same types of outlets that KBank and their TagThai option allows, but unfortunately you need to withdraw cash to top up this debit account alternative....

that leaves you Cash, and the ATM fight at 220- 350 baht per withdrawal. Strongly suggest you check out the ING / Maquarie route...

The fee is 200 baht. But if not able or comfortable with getting 30.000 baht out of the atm once or twice or month then use Revolut or similar services

As well as TrueMoney, which has already been mentioned, you can use WiPay Wallet, which let's you pay using PromptPay QR payments.

True money is ok after you set it up but you can only top up with cash. But then you can scan if you don't like carrying cash. Wise is useless. It's impossible to avoid the ATM fees if you don't have a Thai bank account and didn't bring cash with you.

Most places take card, use your wise card, ones that don’t use cash or deep pocket is easiest but has fees to top up

Cant you just get a bank account if you are on a retirement visa?

You didn’t mention your status

Download the TagThai easy pay app, top up when you arrive in Thailand at the KBank shop at the airport or at any KBank that is found everywhere, then you can pay with QR like Thais do, also withdraw cash free of charge at KBank ATMs (green ATMs).

Open/register: 0 – no registration fee.

Deposit money: no separate deposit fee according to KBank.

Pay with Thai QR/PromptPay: no TAGTHAi fee.

Withdraw cash at KBank ATM: no withdrawal fee.

Exchange cost: the real cost may in practice be in the exchange rate, rather than a separate fee.

Big box stores, Lotus and Big C take Visa and Mastercard without any surcharge and good exchange rate. Hospitals and many smaller outlets as well.

Wise offers a the QR code option along with the credit card option. Also, Aeon Bank: Charges about ฿150 per transaction, making it one of the cheaper local operator fees in the country

Tag Thai your best option to use in Thailand Go to Kasikron Bank (KBank) foreign exchange booth or bank with your passport and they set you up.

Take out maximum Allowance at ATM and pay the fee.

Dont do eg 5 small withdrawals over 2 weeks etc .

Pay the fee once only . Simple.

Don’t convert on screen to your currency. Use local or lose again

You don’t

Go to the 'yellow bank' ATM. They will let you take out 30k baht in one hit for 350 baht. Cash is king for haggling.

Revolut, you can use this invite link and get some benefits. I use it each day in Tahiti and did the same in Koh Samui Thailand.

You add Revolut card to your Apple Pay or just use physical card. You add money from your local bank to Revolut like top up transfer, done. It is truly easy. If you have iPhone you can use payments by tap and go directly with your phone on terminal.

Join me and over 80 million users who love Revolut. Sign up with my link below:

Get travel card transfer from your account to your travel card No fees

ATM fees for 30k brt is pittance . And the ATM is a good rate

Revolut. That is what I use

Go to a bank. Put debit card into ATM. Remove cash. Enjoy

Forget truemoneywallet, you'd need a thai driving licence, long stay visa. Just use cash. Lotus, Big C you can use contactless google wallet

I don't understand your post, because in Thailand the best way to avoid fees is to use cash. Most applications with which you can pay in Thailand are interesting only if you have a bank account and a banking service in a Thai bank. Otherwise be ready for fees!

Wise card is a "visa" . You can use that In all place's that accept Visa. If that's not enough open a True Money account as even more places accept

You need to add physical cash to true money at a shop, or you need a Thai friend to top it up for you via bank transfer.

if you google true money you will see all the relative information, you can download the app

There is many cash apps etc , some work some don’t , hit and miss .

Look at TagThai

Milfhunter00

Philip Thornton