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What are the best ATMs to use in Thailand for low withdrawal fees when using a Starling card?

Thailand ATMsStarling cardATM feesInternational debit cardBank withdrawalExpat financial advice
Sep 30, 2019
5 years ago
Tony *******
ORIGINAL POSTER
Hi everyone... Please advise me as to which is/are the best ATMs to use in Thailand, I have a Starling card that allows clients in the UK to pay me and need to know which ATMs have the lowest charges.. Thank you in anticipation..
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TLDR : Answer Summary
The discussion revolves around the best ATMs to use in Thailand to minimize withdrawal fees, especially for users of the Starling card. Most ATMs charge around 220 baht per transaction, but some, like Aeon, charge only 150 baht. Users suggest withdrawing cash over the counter at banks like Bangkok Bank and Kasikorn Bank to avoid ATM fees altogether. Recommendations include keeping withdrawal amounts large to reduce transaction fees and ensuring the ability to withdraw larger sums at bank counters.
Bob **********
Use the card inside the bank I believe you can draw more than 30,000 baht
5 years ago
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Daryl *******
And always print a receipt
5 years ago
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Chris *****
All 220 except for Aeon 150 👌🏻
5 years ago
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Daryl *******
I always use K bank ATM's
5 years ago
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Tony *******
ORIGINAL POSTER
@Daryl ******
 OK cheers my friend..
5 years ago
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Daryl *******
@Tony ******
 the same as stated 220b regardless of the amount

So try keep them as large as possible

Just found them reliable never any transaction issues
5 years ago
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Tony *******
ORIGINAL POSTER
Thanks Daryl... what are their charges?
5 years ago
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Tony *******
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Dianne *****
You can enter most banks and withdraw cash from your overseas debit card with just your card and your passport. This way you avoid atm fees. I have done this at Bangkok Bank at Airport Plaza, Pathip Plaza and Tesco Kamthieng and at Kasikorn Bank in Nimman and Promenada
5 years ago
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Ivan ************
I have heard from others that Starling works for this. Not all cards do, I have cards that work but others that don't.
5 years ago
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Tony *******
ORIGINAL POSTER
Cheers...... The Starling card is an online bank that I have heard a lot of people overseas use, so I have yet to find out if there are any problems..
5 years ago
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Dianne *****
@Tony ******
 not sure about that. My Australian debit card has a visa chip, not sure if that helps, but drawing money out over the counter is not using the credit function as far as I know. I used this method for almost 2yrs and didn't experience any hidden charges
5 years ago
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Tony *******
ORIGINAL POSTER
That sounds interesting Dianne, and I think a Starling card might be accepted also
5 years ago
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Tony *******
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Wayne ********
its much easier to send all funds into an account and hold a debit card from a thai bank cheapest solution, if i get stuck and have to use my HSBC from singapore the fees are stupid per transactions where 500 thb or 10,000 thb withdrawal or more fees are like
*******
thb per atm transaction ridiculous so better to send one large amount and draw down on it.
5 years ago
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Tony *******
ORIGINAL POSTER
@Wayne *******
 Yes we are very close and trusting so that is the way to go...
5 years ago
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Wayne ********
@Tony ******
 then if he a friend and can help u mite be lucky
5 years ago
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Tony *******
ORIGINAL POSTER
Yes he has a Thai wife living here with him and a House in Thailand..
5 years ago
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Wayne ********
@Tony ******
 just depends if he has an account still in UK or wherever
5 years ago
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Tony *******
ORIGINAL POSTER
@Wayne *******
 That is a great idea Wayne, I am sure my friend has a Thai account as he built a house here... I shall check that out...
5 years ago
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Wayne ********
@Tony ******
 obviously if money say coming from the UK and you have a good friend here you could deposit funds into their UK account and they credit you here THB... one way to consider. i have had friends here who gave me thb and i just gave them cash elsewhere nothing sinister just we do better deals together and not pay banks their commission or percentage how small..
5 years ago
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Tony *******
ORIGINAL POSTER
My problem will be that I have no large funds only a monthly income that I had hoped would be easy and cheapish to draw on a Starling card... it seems the wrong way to go sadly...
5 years ago
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Tony *******
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Tony *******
ORIGINAL POSTER
22b seems a heck of a lot better.... Starling say they have no charges and near perfect rates... Not used the card yet si I have yet to see..
5 years ago
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Tony *******
ORIGINAL POSTER
@Ivan ***********
 That's great as I am sure that either my friends wife or her family has an account there..
5 years ago
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Ivan ************
They are the biggest bank in the country, they have a branch in Selaphum.
5 years ago
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Tony *******
ORIGINAL POSTER
@Ivan ***********
 I shall check if they have a local branch in Selaphum but most likely in Roi Et..
5 years ago
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Ivan ************
Yes, it should be. Just have to find a branch that will do it without a fee. I'd try Bangkok Bank, they have done it for me before.
5 years ago
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Tony *******
ORIGINAL POSTER
@Ivan ***********
 Thanks Ivan so maybe drawing from the bank itself might be an option..
5 years ago
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Ivan ************
Starling do have no fees, the 220B fee is from the Thai bank and they have no control over that.
5 years ago
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Mark ******
Jack Almond The same applies to KrungThai, Kasikorn and probably most of the other major Thai banks.
5 years ago
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Tony *******
ORIGINAL POSTER
Jack Almond Thanks Jack, I am new at this so that is good information for me..
5 years ago
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Tony *******
ORIGINAL POSTER
I am there for only 7 weeks at the end of this year but looking at staying for 6 months at a time later... It seems that funds are going to take a big hit then..
5 years ago
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Tony *******
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Stuart *********
They all charge 220 baht per transaction.
5 years ago
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Steven ***************
Yep. Its 220 baht per withdrawl regardless of amount. So the more you take out each time the better with a foreign card.

Or open a thai Bank account and transfer lump sums to it.
5 years ago
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Stuart *********
The 1.1 or lower was just an example if you took out the max 20k or it’s lower if you take out 30k
5 years ago
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Stuart *********
@Tony ******
 £100 is roughly 3,700 baht. You’d still be charged 220 baht.
5 years ago
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Tony *******
ORIGINAL POSTER
So if I take out £100 at a time will that be 1.1% or nigh on £6?
5 years ago
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Stuart *********
@Tony ******
 Krungsri (yellow ones) let you take out 30,000 at a time. Most others allow 20,000 so a 1.1% or lower hit isn’t so bad.
5 years ago
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Tony *******
ORIGINAL POSTER
Wow are you right there at nearly £6 per transaction?
5 years ago
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Tony *******
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