What is the best way to show proof of finances when entering Thailand as an Australian on a visa exempt arrival?

Aug 29, 2023
a year ago
Donna *********
ORIGINAL POSTER
Sorry for the silly question, I just read another post about showing proof of finances. May I ask how best to show this ie bank statement or money in wise account? Please be kind, I have never travelled and so trying my best to get everything right. Any advice appreciated. I am coming from Australia on a 30 day visa exempt on arrival. Thanks in advance
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TLDR : Answer Summary
When entering Thailand on a 30-day visa exempt arrival, it is generally uncommon for immigration officials to ask for proof of finances. However, it is recommended to have at least 20,000 baht or an equivalent amount in cash ready, as cash is often preferred for proving financial means. It is suggested to bring Australian dollars, which can be exchanged for Thai baht upon arrival, preferably at reliable exchange services like SuperRich in Bangkok. ATMs are also available but may incur high fees, so it is beneficial to withdraw larger sums to minimize costs. First-time travelers should prepare by also having accommodation reservations and an onward ticket, which can ease entry into Thailand.
Cimi ******
If you are flying into Thailand from Australia there is NO need to show bank statement with this Visa.

I’ve done this many times before.
Josh *******
20k bhat
Cliff *********
Cash in your wallet about $1000 Oz.

Onward ticket.

Hotel reservation for at least one night.

Then the IO doesn’t have an excuse to send you back.

Although as a first time traveler the likelihood of problems is almost nil.

Have a nice time in Thailand.
Donna *********
ORIGINAL POSTER
@Cliff ********
thank you. Have a great day
Mitchell *******
You will probably have cash on you anyway. If you have $500 to $600 USD or equivalent, that should do.

I have been asked 3 times, but not since the end of covid. But it is easy not to be "the one". Just have the cash on you when you arrive.

Thailand is a cash country. Even though some of the smaller vendors even use QR payment, many do not.
Austin ****
1. It is unlikely the immigration officer will ask you for proof of finance, but they could.

2. Proof of finance has to be in cash. Can be any currency, so A$ is fine.

3. The ATM withdrawal fee in Thailand is 220 THB (about A$10) if you use your Australian bank debit card to withdraw cash in THB. Your Australian bank may charge you fees as well.

4. The best way is to bring A$ cash and exchange to THB at SuperRich in Bangkok City centre. You can check the live exchange rate from their website below.

SuperRich (Green)
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Location in Bangkok City centre:

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(Rajdamri 1 Rd)

5. Unlike Australia, Thailand is mostly a cash economy. Most smaller stores accept cash only. Credit cards are accepted at supermarkets.

6. The best Australian credit card for travelling is 28 Degrees MasterCard. No annual fee. Very few fees compared to other credit cards. Get it before you travel.

7. The best travel insurance for Australians is Southern Cross Travel Insurance. Travel insurance is an absolute must when you travel. Overseas medical care, if you need it, can wipe out your life savings.

8. Google Translate app is a must. Download Thai language so you can use it even when you don't have Internet connection.

9. Don't wear jewelery when you travel. Don't make yourself a target of snatch thieves and robbers.
Mark *********
@Austin ***
The link goes to Superrich Green. The Need is to also check Superrich Orange. Historically the rates have differed, Orange being better. Hence the queues at the BTS Asok branch. From what I'm reading Green may be better these days. Simple answer is to check and checkout relative to your own location.
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Richard *********
CASH< 20,000 baht is less than US$600
Daniel **********
As everyone has posted above, don't worry. You've got more chance of being winning the lottery than being asked to prove funds. Of course, have something available just incase, or a lump sum of cash on you, but in reality you'll be fine. I've never been asked in 15 years of going back and forth.
Robert **********
I have never been asked for proof of finances in more than 20 years of travel. Bring some AUD and change it as necessary. Bring a ATM card for backup.
Dan ********
Bring $1000 with you just in case and change it up when you get here.Make sure that you get brand new notes from the bank or post office(and check them) as any notes which aren’t pristine will be rejected at currency exchanges.
Andy *******
@Paul ******
no I was referring to ATM cards, the Australian cards work here ... Visa and Mastercard work for cash withdrawal in ATMs here but slug you for fees, but as credit cards they work well - convenient if in big tourist areas at bigger places, but cash is what's needed for most of the interesting little shops and restaurants and massages that the OP possibly will use for a first trip in Thailand ... Union pay I have nothing but trouble with in Thailand, so I don't even try to use it anymore ... Yes Amex tends to get a blank stare unless you are at 5 star hotels, local places don't use it ... But I think cash, ATM withdrawals and Visa Mastercard would more than cover all the bases 😊👍
Donna *********
ORIGINAL POSTER
I could get exchange it here to TBH if that would be better to carry?
Damien ********
@Donna ********
let ur bank know your going to use ur cards in Thailand…. Fees at both ends of atm transactions
Ling *****
I just came into Thailand from a side trip to Vietnam. At immigration they asked for nothing, no accommodation, no airfares out, no 20k Thb, zero. Got the 30 day Visa exempt. All those restrictions are mostly in place for those who have insufficient funds or try to live in Thailand long term without the correct visa, i. e. Back to back border runs won't last forever.
Ling *****
@Donna ********
they will rip you off in au. Just take the aud and exchange in Thailand, it will be in your favour.
Donna *********
ORIGINAL POSTER
@Ling ****
Thank you so much. I'm greener than the money 🤣
Andy *******
@Donna ********
it's not worth changing money in Australia at banks or the airport, they will rip you off too much ... It's better to just bring the cash, you can exchange 100 or 200 at the airport exchanges where you collect your bags.... Then later there are many other places with better rates depending on where you are staying, it's pretty easy. Also I forgot, you can also use ATM when needed, and many things can be done with Visa ... But it's handy to have cash .. if your taking money out at an ATM you get high fees so it's better to take out a big clump not small amounts .. I learnt the hard way from experience 😅😅🤪
Sheen ************
Never been asked in ten years
Jarek ************
Don't worry, very unlikely they will ask about it. They might ask to show your accommodation reservation eg agoda or Airbnb. As to $, I would suggest carrying at at least 2k AUD so you can exchange it for THB and save on the Atm fees that add up pretty fast.
Donna *********
ORIGINAL POSTER
Thank you, I have booked a condo directly and still waiting for the booking confirmation. Ill bring a copy with me.
Donna *********
ORIGINAL POSTER
Thank you! 😊
Brandon ************
Unless they are looking for a reason to deny entry, they're not going to ask you to show proof of funds. But if they do ask the ONLY option is cash. They will not accept an app, a bank statement, a credit or debit card.

Proof of 20,000 baht or equivalent in another major currency in cash only.
Ling *****
@Brandon ***********
💯 % correct.
Lincoln *******
@Brown *******
haha yes there are a lot of rules like that in Thailand, no real logic, just is what it is
Brown ********
@Brandon ***********
do you know their reason as to not accepting a Thai bank app?
Brandon ************
@Brown *******
the law specifically states it must be cash only.
Brown ********
@Brandon ***********
ok so it's just a rule in the book. No actual logical reason. Cheers
Ivan ************
@Brown *******
it's actually quite logical, they typically only ask for the cash if they have already decided they want to deny you for other reasons. In that case, it's the legal justification for the denial. As not having money is written in the law, while "spending too much time / living in Thailand on tourist entries", which is more often the actual reason for the denial, is not.

So in this circumstance, where they want to deny you for another reason, it makes sense they interpret the 20k cash rule as narrowly as possible. Because it's not about the money, it's about finding a reason for the denial.

As
@Bra****
said, they're only going to ask if they already want to deny you and are looking for a reason. And that's typically frequent visitors without long term visas. Very unlikely they'd ask a new or infrequent visitor.
Brown ********
@Ivan ***********
how on earth is that logical exactly? Let's let someone fly all the way here because the rule book says they can but then use other rules to stop them entering if we feel like they have spent to much time in our country. That is fuked up logic if you ask me and I'm amazed you would think that is logical to be honest as it is far from it

What's logical is to sit down and actually map out and write in the rule book exactly the amount of time a person is allowed in the country within a calendar year under tourist visas. Make it public so people know the rules and only have themselves to blame if they get it wrong and get denied.
Colin *********
@Brown *******
how is that logical? My thought, based on the way things are done in Thailand; they only ask to see the cash if there's other reasons for them to deny you entry, then it's easier for them; they can extract a bribe from you with cash, where they couldn't with money in a bank account or credit card 🤣🤣🤣
Brown ********
@Colin ********
bribery is logical. Ok I can see that
Colin *********
@Brown *******
I was actually only joking, having a bit of fun based on everything I read on Facebook about Thailand Immigration and Police Officers.
Brown ********
@Colin ********
I was agreeing jokingly to mate as it is logical that they set their own rules for their benefit lol
Justin *********
@Brown *******
I feel you showed you’ve lost the script, a few comments back when you said “…spent to much time in our country.”

This isn’t your country, never was, never will be. As such your rules and logic (which are written for Thai advantage) do not apply. Period.
Brown ********
@Justin ****
where the hell did I say it was my country and what's your point ?
Ivan ************
@Br***
the Immigration Act dates to 1979 and sets out a list of very specific reasons that a person can be denied. In the absence of the Thai parliament updating that Act, they have to go by this. If you have been here any length of time you surely realise this is how it works with so many things, the actual laws are ancient and are liberally and variously interpreted by people to get the required results at the time.

The reality is, in 2023 they want to deny certain people entry. But it's the same law on the books as was written almost half a century ago and they have to follow that law and choose a specific reason out of section 12 of the Immigration Act. So it's logical, *from their point of view*, if they WANT to deny someone, they pick a reason for that denial. And it's logical that they insist it be cash, BECAUSE the whole purpose of this is to deny someone they want to deny for other reasons. So it is not logical they make it easier for someone to wiggle out of this, they choose the most restrictive interpretation BECAUSE they have decided they don't want them.

Map out and write in the rule book and further tie the hands of the police/immigration as to what they can and can't do- that isn't necessarily the goal. And if they DID map and write down in the rule book and rigorously enforce a set of rules, if you mean they had immigration rules similar to a Western country- is that what you really want? I think a lot of people would be gone if Thailand suddenly decided all immigration was going to be handled similarly to the US or UK.

Incidentally part of the whole issue with this is that Thai immigration DO have to pick a reason from the enumerated reasons in section 12. Most Western immigration actually have far more discretion in who they want to reject and they would reject a lot of people who get away with staying in Thailand for a much longer time than they would if they tried this in a Western country.

I get it's different and can be frustrating with the uncertainty but an element of uncertainty is central to how this place works, and sometimes it works in your favour too, many people rely on the ability for stuff to get "fixed" for them not strictly by the book. It is what it is and I sometimes wonder what those calling for a more Western approach really want, and if they wouldn't be very disappointed by the results of that.
Brown ********
@Ivan ***********
yeah look mate I get all that but it doesn't make it logical. Logical for them? That makes it logical? You say is that what I want for them to actually have set rules when the alternative is to get denied just because a couple of individuals don't want you in the country.

Man that's some pretty weird viewpoint you got there that its logical for a tourist to guess, and that's what it is, how often they can enter Thailand.

I mean you can get 2 60 day visas, 2 extentions, 2 border runs plus 2 other extensions on those visa runs in a year. So yeah thai logic maybe when you can get denied doing this yet there's nothing to say you can't. But that ain't logic at all
Ivan ************
@Br***
the informal rule of thumb for air entries is if you are in Thailand more than you are out of Thailand. 90 days in 180. For land, it's 2 without a visa per year. For embassies, they'll look at your history.

I get the 90 day in 180 is not law. But it is a rule of thumb they use and it is repeated on both official embassy websites and the Ministry of Foreign Affairs:

"Furthermore, foreigners who enter the Kingdom under this Tourist Visa Exemption Scheme may re-enter and stay in Thailand for a cumulative duration of stay of not exceeding 90 days within any 6-month period from the date of first entry."

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If they were actually to formalize this, and have it as a hard limit (like Europe/Schengen), a lot of people would probably be very upset, it would be less flexible than it is now, where it's only a rule of thumb- people can still do a land bounce now, for example, and that's pretty reliable.

As it is now, if you try the sort of in out staying a long time somewhere like the UK, even as another Westerner, you'd probably run into issues. Plenty of stories of Americans being denied into the UK because they were just there a little too much. They have discretion, and it's not a hard rule either.

People who are keeping it under the levels that would be acceptable in a Western country are very unlikely to have issues. OP, who sounds like a first time traveller, is virtually guaranteed to have no issues.

It's people who are pushing it to the limit that have issues... but at least in the current system they have the option of trying it. If they formalized this, it would likely be more restrictive than the informal cut-off they apply now (and not to everyone).
Brown ********
@Ivan ***********
yes I agree on all that but it still doesn't make it logical in my opinion
Ivan ************
@Br***
it's logical within the context of what they are trying to do, it's a logical means to get the result they want within the framework they are operating in. It's only not logical if you are looking at it the wrong way, thinking it's actually about proving you have the money which it's not.
Brown ********
@Ivan ***********
yeah ok mate if you say so
Brandon ************
@Brown *******
you know better than that! Logic 😂
Brown ********
@Brandon ***********
well showing 20,000 in cash to prove you can afford your month in Thailand when a 100,000+ account balance in a Thai bank doesn't kind of makes you wonder how they decide on these rules.
Steve *******
@Brown *******
I read somewhere that they take the "cut chickens head off, let it run around on a boards and see where it lands" approach to making laws here.
Michael ********
@Brown *******
they havent updated them since the 70s. TIT
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