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Why was I charged two separate fees when using my Wise debit card at a Thai ATM?
ATM FeesWise Card ChargesThailand BankingExpat BankingInternational WithdrawalsVisa and Financial Services
Jun 15, 2025
a year ago
Abey *********
ORIGINAL POSTERQuick question. I used wise debit card at ATM to withdraw 20000baht from my baht current account. ATM charged 220baht but wise also charged me 350 baht. Is this normal , l was told only ATM charge will be 220 baht.
TLDR : Answer Summary
The user inquired about the ATM and Wise card charges incurred while withdrawing cash in Thailand. It appears that when using the Wise debit card, the local Thai bank charged 220 baht for the transaction. Additionally, Wise imposed a charge of 350 baht, which is normal for withdrawals that exceed their free monthly limits. Many commenters suggested that using a different bank or card could reduce charges and emphasized the importance of checking the fees associated with ATM withdrawals.
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Mark ***************************
Yes only 220 from Thai atm my bank does not charge
Steve *****
Register your card on Google pay and you can pay by scanning every were accepts it in Thailand
Gary ********
@Steve ****
yes but u pay a premium for that. Mr google takes a cutReply to
Gary ********
Reply
Mark *******
Used Chase card earlier 20kB, 220 atm charge then 43.61 FX, allowed £1500 per month at ATM. Unlimited by chip.
Phillip ******
HSBC Global account is the best option that i have found, no ATM fees and best rate for the month.
Herbert *********
You pay 220 Baht anyway, then an additional amount from your bank, depending on the conditions of your card. Wise has a fee too, but the worst, the exchange rates are very bad. So check some different ATM, don't use rhe first one.
Steve ********
Yes
Peter *********
I know Wise have a $7000 aud limit for me. I found that out last month on Thailand 🇹🇭
Ant ***********
Yes
Very normal
Very normal
Marty *******
I have wise and I'm retired in Thailand. That looks right for how much wise charges. Usually around 240 bahts for sending a 1000 dollars over. But it's sent to my bank acct in Thailand so I don't get any other charges. I stay away from ATM withdrawals using a foreign card due to extra charges and those surprise charges😄
Keith *******
Wise say there's no fees in the advertising
Eric **********
Rok Ziherl not all Thai banks give the same exchange rate. I went to withdraw 30,000 and the exchange rate was very low for the days online rate. So I removed my card and went to another bank ATM and got more than 1 bath for the £. So worth checking this also
Tony *******
Use Revolut, always quicker and cheaper
Norbert **********
@Tony ******
in exchange revolut is not cheaper than wiseReply to
Norbert **********
Reply
Paulette ******
Anyone had any luck with monzo
Martin *****************
I use Starling bank they do not charge
Doug ********
@Martin ****************
yeah I use starling..no fee on atm or Debit card payment. Normally a good rate too. Surprised they are not mentioned moreReply to
Doug ********
Reply
Mike *******
Wise will always charge you. You're allowed one or maybe two free withdrawls a month i think. I pay around £5 to wise fir a
*****
myr cashpoint. Read the t/c at wise.Tim **********
@Chris *****
I have a HSBC Global account same No charges and good exchange rateJustin ******
@Chris *****
Do you have dual citizenship with HK? I don't think I'll be able to get it. Annoyingly, I don't have the Baht in my currencies, yet the HSBC Expat global card does.Chris ******
@Justin *****
yes I am BC and now based in HK, looking for moving to Thai, I guess it is not about citizenship, HSBC issues many cards, you can asking them or your PM ..because hsbc hidden many new application doesn’t mean not existing . Eg Jade account is still existing , while people say all are now premier .Reply to
Chris ******
Reply
Justin ******
@Chris *****
surely you still have to pay the Thai bank fee of 220bt? I have the HSBC Global Money card & can't wriggle out of it. Maybe if you have an American one? I've read some USA cards do manage to do this.Chris ******
@Justin *****
no need that world debit already have major currencies and including ThaiReply to
Chris ******
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Danny *******
Best to bring cash or if you have a Thai bank account do a transfer or if you have a friend with a Thai account transfer to their account.
Todd *********
@Danny ******
it’s very rarely best to bring cash. But USD $100 can attract better rates. Other currencies 👎Reply to
Todd *********
Reply
Jesper *******
Atm charges 220baht for using any foreign cards and the 350baht may be the fees Wise charges for over the free withdrawal limit....it's better to withdraw with a foreign credit/debit card then the wise debit card but u do lose out on exchange rate...
Abey *********
ORIGINAL POSTERAbey *********
ORIGINAL POSTER@Jesper ******
So even withdrawing *****
baht will be over the wise monthly limitNorbert **********
@Abey ********
by revolut you have free 800 a month of fee.Jesper *******
@Abey ********
yesReply to
Jesper *******
Reply
Chris ******
Use western union send payment to yourself go western union office collect money better than paying bank charges
David *******
@Chris *****
XE offers consistently better rates and fee. Send money to "cash pick-up" at Siam Commercial Bank or 7 eleven. No ATM fees. No Wise fees!Norbert **********
@Chris *****
western union take up to 5% from the amount you sentJoe *******
@Chris *****
it's expensive. Sent 4000 bhat to a friend and the rate was not good but their charge was, £,7.50 on top.mega expensive to send around a hundred pounds.Chris ******
@Joe ******
£7.50 to send to a friend that Uk sterling that is expensive like said normally send to myself at 20,000 BAHT to myself at a time to save on expenses and ATM obviously if you have better choices share with others why waste money we ain't working for them let's share as much info as possible for everyone to save money from these ripping the likes of us offReply to
Chris ******
Reply
Rok ********
@Chris *****
their FX rate is not very good - Due Diligence comparative calculation neededChris ******
@Rok *******
like said best to Google the rates and compare it to bank charges it could be worse or better I just use western union for the convenience the bank only allows me to withdraw 10 thousand baht a day obviously if need more it's extra charge and going to ATM next day againReply to
Chris ******
Reply
Yoshi **********
@Chris *****
Is it actually better with Western Union after considering fee & exchange rate?Chris ******
@Yoshi *********
pay the transaction fee for western union that's it ain't paying for cash machine I've used it all time when in Thailand I'm sure if you Google rates between using cash machine and western it will be cheaperReply to
Chris ******
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Robert ********
Wise needs to make money and the banks charge too
Klering ******
Maybee nextime you bring Cash and dont using ATM maybee more smart ?
Todd *********
@Klering *****
you get worse exchange rates. So it costs even more. However, if you have crisp, new USD $100’s they might give you better rate
Klering ******
@Todd ********
some yellow Exchange Stores have good Exchange Rates Just Look arround and you will See by yourselfTodd *********
@Klering *****
I do look around. That why I never use local cash exchanges 😂Klering ******
@Todd ********
,TRy and you will See ITS better then in BankTodd *********
@Klering *****
I have travelling full time for 12 years. I have residency in 3 countries not my own. And I exchange currencies at least weekly. I’m not guessing about who has the best ratesReply to
Todd *********
Reply
Marty *******
@Klering *****
carrying to much cash into Bangkok isn't advisable🙄Klering ******
@Marty ******
i do about 10 years never anything lost If you Take Care good Just Change Put 80 % in a save place and the rest with you its not so difficult to understand i thinkReply to
Klering ******
Reply
Norbert **********
@Klering *****
for me the problem is,you can bring in to Thailand 15 or 20k usd ,but bring out from Europe is a problem by 10k limit .RobD****
@Norbert *********
only a problem if you can't prove where the money came from , just declare the money and if you have evidence that the money is yours and legitimate then your on your way no issues.Reply to
RobD****
Reply
Phuket ******
@Klering *****
obviously you are not very smart giving advice like that......Klering ******
@Phuket *****
then pay everytime 250 + 350 ...each *****
bath withraw ....ITS Up to you ..you can do your own decision .....before i Always do and Nobody was stealing my Cash Just good Take Care of ITReply to
Klering ******
Reply
Jordan *****
@Klering *****
What if they stay 2 months? Bring 4000-5000 usd cash or what? There had to be a smartass in the comments sectionKlering ******
@Jordan ****
yes and where is the problem to bring 5000 ? 6000 or 8000Peter **********
@Jordan ****
… and someone who finds a disputable comment and then starts bitching?Reply to
Peter **********
Reply
Abey *********
ORIGINAL POSTER@Klering *****
I converted sterling to baht with wise, at the time l got 44.5 baht but with atm charges not real valueReply to
Abey *********
Reply
Jason **********
Use a charles schwab account for your atm withdrawals. They have no fees and even refund the 220 baht atm fee for you at the end of every month.
John ******************
@Jason *********
what are some of the better ATM to use there, the lowest fees?Jason **********
@John *****************
yes they refund the merchants fee. All the atms charge 220 baht per transaction, but some let you pull out only 20k and others upto 30k. If you use krungsri you can withdrawal 30k per transaction it's the yellow bank/atm.Reply to
Jason **********
Reply
John ******************
@Jason *********
I didn't realize they refund the merchant ATM also?David **********
@Jason *********
Fidelity as wellReply to
David **********
Reply
Rok ********
Wise allows two fee free withdrawals per calendar month up to £200 in total - please check though current T&C. Anything in excess of above two criteria the charges apply. 220 baht is from the Thai Bank, unavoidable and hence always withdraw highest amount allowable (usually 20,000 but Krungsri Bank 30,000).,
Alan *****
Just take cash & change it at TT
Fi ******
@Alan ****
yeah, the world is slowly going financially backwards. Back to cash isn't a bad thing, it's also mostly anonymous.Alan *****
@Fi *****
they don’t want that. Less control over us 😉Reply to
Alan *****
Reply
Wannikea *********
Read your card agreement closely and also withdraw at the yellow bank to a max of 30,000.
Stephen **********
Wow. I just use my regular ATM and I don't pay a fee from my bank and I get the 220 baht refunded by my bank.
Stephen **********
@Erik ******
basically the same as wise for me on my ATM. I get a little less than 1% off of the spot rate.Stephen **********
That could be the case. I use USAA. I also have two accounts so I can pull twice the amount and get the 220 baht fee refunded for each.
Reply to
Stephen **********
Reply
Chance ********
@Erik ******
I get the best rate using the ATM and my bank pays all my fees, so he might be good here.Todd *********
@Chance *******
if only banking was a free service 😂Chance ********
@Todd ********
it can be.Reply to
Chance ********
Reply
Chance ********
@Erik ******
I have, let's just say I keep enough in a specific bank that I get a really good exchange rate and they pay all fees on both ends.Erik *******
@Chance *******
If you did the test like I did (comparing how many bahts I get for my bucks between Schwab and Wise for example ), you will see clearly that you get ripped alive as well !! Even with no fee and 220 thb back . The rate is terrible. That’s how they make money. But please don’t believe me: go check and see by yourself .Reply to
Erik *******
Reply
Erik *******
@Stephen *********
Yes. But you get ripped alive by the change rates. Schwab anyone ?Reply to
Erik *******
Reply
Marc ********
Quite possible yeS
RobD****
If you have a thai friend you trust just transfer money from wise into their thai bank and get them to withdraw for you. Transfer is usually done in 5-10seconds
Todd *********
@RobD****
it’s absolutely not. Depends on country of origin and method of payment chosenRobD****
@Todd ********
I've done it like 20 odd times and longest it taken was 4hours, usually dine in 5seconds if not cancel and try again... only time it's taken days is a deposit into my wise from New Zealand account and I did it on a public holiday .Todd *********
@RobD****
I have no doubt. But always from New Zealand. And to the same destination country.Reply to
Todd *********
Reply
Nigel *******
@RobD****
my last 3 transfers have taken about 10 hours. Previously was almost instant. My friend says his Revolut is the same so could be the Thai banks.Gary ********
@RobD****
really!! Don't bother, I wouldn't trust a Thai with a $RobD****
@Gary *******
says more about the people in your circle then. Not hard to stand next to a atm and transfer the $$ and then get them to withdraw right awayGary ********
@RobD****
I have no idea what your point is.Reply to
Gary ********
Reply
Peter ********
@RobD****
it was like that for years, I did last week and it took a whole day ...Edmund ***********
@RobD****
Transferring from bank in the EU to your own account or friend takes 3-4 days.Minimum 3 working days. 5-10 seconds is from Thai to Thai account
Tim *********
@Edmund **********
secondes (mostly)Hampus **********
@Edmund **********
with Wise you can transfer from a Euro or Baht account into a Thai bank account in seconds. Usually a small fee of. around 50-60 baht.Marty *******
@Hampus *********
for very small amounts you can get charged that little but it's based on how much you send the higher the amount the higher the charge.Hampus **********
@Marty ******
Obviously.Reply to
Hampus **********
Reply
Jim ********
@Abey ********
yes because you have gone over the free monthly withdrawal limitAbey *********
ORIGINAL POSTER@Jim *******
I withdrew *****
the day l arrived at the airport(june10) this morning another *****
, wise charged me 1.75% on the *****
withdrawal.Jim ********
@Abey ********
yes you get 2 free withdrawals a month but the limits per withdrawal are low. These are my limits so you are way over this hence why you have been chargedReply to
Jim ********
Reply
Sherry *****
Wise is the worst scam in the world. They refuse to return to give my money and blocked me. I will never ever do business with them.
Peter ****
@Sherry ****
... you must have done something wrongTodd *********
@Sherry ****
lol. You really have to screw up badly with Wise to have problemsNorbert **********
@Sherry ****
they can not scam you of your money.just treat them that your lawyer will get in touch with the Bafin(financial controll of banks).Fi ******
@Sherry ****
they operate under UK law so will transfer your money to an account you give them. They also shut my account and wouldn't tell me the reason, only that I couldn't appeal it. It's because of AML laws, companies are extremely paranoid not to have a sniff of anything that might be interpreted (by then) as AML. I know someone who had their bank say they don't want to be associated with them for similar reasons. This is a worldwide issue and it's ordered from the top, maybe WB etc. Have you ever tried any financial transfers etc from Canada... It's terrible, super paranoid. I'll never try that again.Norbert **********
@Fi *****
in Europe, wise operate over Brussels/BegiumReply to
Norbert **********
Reply
Bent *************
@Sherry ****
I totally agreeJeffrey ********
@Sherry ****
same here,Reply to
Jeffrey ********
Reply
Greg ***********
with a WISE card, you have a free monthly withdrawal limit, usually something around 200 USD (depending on your country). After you have used the limit up, WISE will charge a 1.75% provision on each withdrawal
Joel *******
Wise have really upped the charges recently. It might make sense to switch to Revolut or another provider instead.
Norbert **********
@Joel ******
Remitly ,try itReply to
Norbert **********
Reply
Nigel *******
They have a withdrawal limit, with charges if you go over.
Ron ******
@Nigel ******
How do you withdraw more than the limit?Karim ***************
@Ron *****
go to a desk in any bank with your card and passport. You also avoid atm withdrawal fees.Nigel *******
@Ron *****
wise has a limit on ATM withdrawals, after which you get charged a fee.Ron ******
@Nigel ******
Okay so it's the number of individual withdrawals you make not the amount of any given withdrawal. Makes sense.Reply to
Ron ******
Reply
Bent *************
@Ron *****
Can’t!Jim ********
@Ron *****
just use an ATM but you get charged when you go over the withdrawal limitMarcels *********
@Ron *****
I guess it depends what kind of wise card u have. for the standard wise debit card (the one which is for free) my monthly withdrawal limit is 200 euro. if i withdrawal more i will have additional costsNorbert **********
@Marcels ********
i can know from one card by wise.How many they have?Marcels *********
@Norbert *********
ah sorry i just double checked, for now they only offer one physical card with the 200 euro limit. not sure if they had different options before. anyway u can just check the setting options for your wise cardReply to
Marcels *********
Reply
Julz ************
220 is access fee charge by the local bank in Thailand and the 350 is a charge from your ATM card issuer it's best to withdraw one time big time instead
Abey *********
ORIGINAL POSTER@Julz ***********
*****
was the maximum l could withdraw l thinkReply to
Abey *********
Reply
Tony *********
Yes,have a look fees
Reply to
Tony *********
Reply
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