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What are the best options for ATM withdrawals in Thailand using a US bank debit card?

ATM withdrawal limits Bangkok Bank Capital One 360 US bank debit cards in Thailand ATM fees in Thailand International banking

Oct 12, 2025

19 days ago

ORIGINAL POSTER

Just FYI 

If you have a US capital one 360 acct with the new Discovery debit card you can only use Bangkok bank as far as I can tell 

Downside the max is ฿25k per withdrawal 

Upside it’s only a ฿150 baht ATM charge is ฿250 for every other Debit card minus the Thai BB acct holders (maybe the US BB bank debit card holders) 

I know haters will call me cheap and to spend as much as humanly possible per ATM transaction but hey ฿100 is ฿100

Have a great day

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TLDR : Answer Summary

Using a US Capital One 360 account with the new Discovery debit card allows withdrawals only from Bangkok Bank ATMs, limited to ฿25,000 per transaction and incurring a fee of ฿150. In contrast, other debit cards may face higher fees (฿250). Other options like Schwab, Fidelity, and Lending Club cards can be used at any ATM in Thailand without incurring fees, as they offer refunds for ATM charges.

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Schwab, Fidelity, and Lending Club cards can be used at any atm in Thailand and you'll get the entire fee refunded

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