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Why was I charged two separate fees when using my Wise debit card at a Thai ATM?

ATM WithdrawalsThailand Banking FeesWise Card ChargesCurrency Exchange RatesExpat Banking OptionsVisa IssuesFinancial Transfers to Thailand
Jun 15, 2025
2 days ago
Abey *********
ORIGINAL POSTER
Quick 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.
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TLDR : Answer Summary
The post inquires about experiencing both an ATM fee of 220 baht and an additional charge of 350 baht when withdrawing 20,000 baht using a Wise debit card. Community members explain that the 220 baht is a standard fee charged by local banks for ATM access, while the 350 baht is likely a fee from Wise for exceeding their free withdrawal limit. They recommend larger single withdrawals to minimize fees and suggest alternatives such as transferring money to a trustworthy friend's Thai bank account or using other banking services like Revolut or Charles Schwab for better financial management.
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Mark *******
Used Chase card earlier 20kB, 220 atm charge then 43.61 FX, allowed £1500 per month at ATM. Unlimited by chip.
21 hours ago
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Phillip ******
HSBC Global account is the best option that i have found, no ATM fees and best rate for the month.
a day ago
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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.
a day ago
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Steve ********
Yes
a day ago
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Peter *********
I know Wise have a $7000 aud limit for me. I found that out last month on Thailand 🇹🇭
a day ago
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Ant ***********
Yes

Very normal
a day ago
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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😄
a day ago
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Keith *******
Wise say there's no fees in the advertising
a day ago
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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
a day ago
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Tony *******
Use Revolut, always quicker and cheaper
a day ago
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Norbert **********
@Tony ******
 in exchange revolut is not cheaper than wise
a day ago
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Norbert **********
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Paulette ******
Anyone had any luck with monzo
a day ago
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Martin *****************
I use Starling bank they do not charge
2 days ago
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Doug ********
@Martin ****************
yeah I use starling..no fee on atm or Debit card payment. Normally a good rate too. Surprised they are not mentioned more
a day ago
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Doug ********
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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.
2 days ago
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Chris ******
I use this overseas card on Thai atm , zero charge
2 days ago
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Tim **********
@Chris *****
 I have a HSBC Global account same No charges and good exchange rate
a day ago
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Justin ******
@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.
2 days ago
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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 .
2 days ago
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Chris ******
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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.
2 days ago
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Chris ******
@Justin *****
 mine is issued from UK
2 days ago
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Chris ******
@Justin *****
 no need that world debit already have major currencies and including Thai
2 days ago
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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.
2 days ago
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Todd *********
@Danny ******
 it’s very rarely best to bring cash. But USD $100 can attract better rates. Other currencies 👎
a day ago
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Todd *********
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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...
2 days ago
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Abey *********
ORIGINAL POSTER
@Jesper ******
2 days ago
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Abey *********
ORIGINAL POSTER
@Jesper ******
 So even withdrawing
*****
baht will be over the wise monthly limit
2 days ago
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Norbert **********
@Abey ********
 by revolut you have free 800 a month of fee.
a day ago
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Jesper *******
@Abey ********
 yes
2 days ago
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Jesper *******
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Chris ******
Use western union send payment to yourself go western union office collect money better than paying bank charges
2 days ago
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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!
a day ago
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Norbert **********
@Chris *****
 western union take up to 5% from the amount you sent
a day ago
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Joe *******
@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.
a day ago
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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 off
a day ago
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Chris ******
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Rok ********
@Chris *****
 their FX rate is not very good - Due Diligence comparative calculation needed
a day ago
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Chris ******
@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 again
a day ago
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Chris ******
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Yoshi **********
@Chris *****
 Is it actually better with Western Union after considering fee & exchange rate?
2 days ago
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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 cheaper
2 days ago
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Chris ******
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Robert ********
Wise needs to make money and the banks charge too
2 days ago
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Klering ******
Maybee nextime you bring Cash and dont using ATM maybee more smart ?
2 days ago
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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
a day ago
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Klering ******
@Todd ********
 some yellow Exchange Stores have good Exchange Rates Just Look arround and you will See by yourself
a day ago
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Todd *********
@Klering *****
 I do look around. That why I never use local cash exchanges 😂
a day ago
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Klering ******
@Todd ********
 ,TRy and you will See ITS better then in Bank
21 hours ago
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Todd *********
@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 rates
21 hours ago
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Todd *********
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Marty *******
@Klering *****
 carrying to much cash into Bangkok isn't advisable🙄
a day ago
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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 think
a day ago
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Klering ******
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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 .
a day ago
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Phuket ******
@Klering *****
 obviously you are not very smart giving advice like that......
2 days ago
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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 IT
a day ago
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Klering ******
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Jordan *****
@Klering *****
 What if they stay 2 months? Bring 4000-5000 usd cash or what? There had to be a smartass in the comments section
2 days ago
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Klering ******
@Jordan ****
 yes and where is the problem to bring 5000 ? 6000 or 8000
2 days ago
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Peter **********
@Jordan ****
 … and someone who finds a disputable comment and then starts bitching?
2 days ago
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Peter **********
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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 value
2 days ago
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Reply to
Abey *********
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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.
2 days ago
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John ******************
@Jason *********
 what are some of the better ATM to use there, the lowest fees?
a day ago
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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.
a day ago
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Jason **********
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John ******************
@Jason *********
 I didn't realize they refund the merchant ATM also?
a day ago
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David **********
@Jason *********
 Fidelity as well
2 days ago
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David **********
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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).,
2 days ago
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Alan *****
Just take cash & change it at TT
2 days ago
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Fi ******
@Alan ****
 yeah, the world is slowly going financially backwards. Back to cash isn't a bad thing, it's also mostly anonymous.
2 days ago
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Alan *****
@Fi *****
 they don’t want that. Less control over us 😉
2 days ago
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Alan *****
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Wannikea *********
Read your card agreement closely and also withdraw at the yellow bank to a max of 30,000.
2 days ago
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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.
2 days ago
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Stephen **********
@Erik ******
 basically the same as wise for me on my ATM. I get a little less than 1% off of the spot rate.
a day ago
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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.
a day ago
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Stephen **********
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Chance ********
@Erik ******
 I get the best rate using the ATM and my bank pays all my fees, so he might be good here.
2 days ago
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Todd *********
@Chance *******
 if only banking was a free service 😂
a day ago
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Chance ********
@Todd ********
 it can be.
18 hours ago
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Chance ********
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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.
a day ago
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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 .
2 days ago
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Reply to
Erik *******
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Erik *******
@Stephen *********
Yes. But you get ripped alive by the change rates. Schwab anyone ?
2 days ago
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Erik *******
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Marc ********
Quite possible yeS
2 days ago
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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
2 days ago
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Todd *********
@RobD****
 it’s absolutely not. Depends on country of origin and method of payment chosen
a day ago
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RobD****
@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 .
21 hours ago
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Todd *********
@RobD****
 I have no doubt. But always from New Zealand. And to the same destination country.
21 hours ago
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Todd *********
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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.
2 days ago
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Gary ********
@RobD****
 really!! Don't bother, I wouldn't trust a Thai with a $
2 days ago
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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 away
21 hours ago
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RobD****
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Peter ********
@RobD****
 it was like that for years, I did last week and it took a whole day ...
2 days ago
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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
2 days ago
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Tim *********
@Edmund **********
 secondes (mostly)
2 days ago
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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.
2 days ago
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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.
a day ago
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Hampus **********
@Marty ******
 Obviously.
a day ago
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Hampus **********
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Abey *********
ORIGINAL POSTER
2 days ago
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Jim ********
@Abey ********
 yes because you have gone over the free monthly withdrawal limit
2 days ago
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Abey *********
ORIGINAL POSTER
@Jim *******
 I withdrew
*****
the day l arrived at the airport(june10) this morning another
*****
, wise charged me 1.75% on the
*****
withdrawal.
2 days ago
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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 charged
2 days ago
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Reply to
Jim ********
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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.
2 days ago
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Peter ****
@Sherry ****
 ... you must have done something wrong
a day ago
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Todd *********
@Sherry ****
 lol. You really have to screw up badly with Wise to have problems
a day ago
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Norbert **********
@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).
a day ago
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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.
2 days ago
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Norbert **********
@Fi *****
 in Europe, wise operate over Brussels/Begium
a day ago
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Reply to
Norbert **********
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Bent *************
@Sherry ****
I totally agree
2 days ago
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Jeffrey ********
@Sherry ****
 same here,
2 days ago
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Jeffrey ********
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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
2 days ago
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Joel *******
Wise have really upped the charges recently. It might make sense to switch to Revolut or another provider instead.
2 days ago
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Norbert **********
@Joel ******
 Remitly ,try it
a day ago
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Norbert **********
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Nigel *******
They have a withdrawal limit, with charges if you go over.
2 days ago
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Ron ******
@Nigel ******
 How do you withdraw more than the limit?
2 days ago
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Nigel *******
@Ron *****
 wise has a limit on ATM withdrawals, after which you get charged a fee.
2 days ago
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Ron ******
@Nigel ******
 Okay so it's the number of individual withdrawals you make not the amount of any given withdrawal. Makes sense.
a day ago
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Ron ******
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Bent *************
@Ron *****
Can’t!
2 days ago
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Jim ********
@Ron *****
 just use an ATM but you get charged when you go over the withdrawal limit
2 days ago
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Marcels *********
@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 costs
2 days ago
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Norbert **********
@Marcels ********
 i can know from one card by wise.How many they have?
a day ago
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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 card
a day ago
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Marcels *********
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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
2 days ago
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Abey *********
ORIGINAL POSTER
@Julz ***********
*****
was the maximum l could withdraw l think
2 days ago
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Reply to
Abey *********
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Tony *********
Yes,have a look fees
2 days ago
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Reply to
Tony *********
Reply
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