- Best Money Transfer Service - TransferWise, as revealed by our extensive research into international money transfers.
- Best Debit Card for Thai Baht - The TransferWise Debit Card (best NZD:THB rate, and 0% foreign currency fees if you withdraw up to NZ$350 within a 30-day rolling period (and then a 2% fee of anything above that).
- Best Credit Card for Thai Baht - The Flight Centre Mastercard outperforms all other cards given its 0% overseas currency conversion fee.
- ATMs Availability and Costs - ATMs are common all over Thailand, but ALL charge an 'international withdrawal fee' of 200 THB (around NZ$10). Find out what your bank's international debit card and credit card fees here.
- Few Travel Money Cards support Thai Baht, so they aren't useful when in Thailand.
- Save money when withdrawing or spending Thai Baht with our foreign exchange guide.
- Thai Baht notes come in ฿20, ฿50, ฿100, ฿500 and ฿1,000 notes. Smaller notes (i.e. ฿100) are better when paying in markets or in village shops.
Suggested money tip when arriving and travelling in Thailand:
- Bring around NZD$300 in cash which you can use as a safety net and exchange in major Thai cities. Many banks change NZD and offer excellent exchange rates with no service charge.
- Withdraw the amount of THB you think you will need for your stay. Be aware, ALL ATMs in Thailand charge a THB200 fee (around $10) per withdrawal using an international card. This can add up unless you make sizeable withdrawals.
- Bangkok airport money exchange kiosks, operated by Thai banks, offer good value exchange rates.
- Leftover THB? If you have a small amount of THB remaining, you can use them to settle your hotel bill extras, transfers back to the airport and/or apply them to a duty free purchase on departure (you can pay part cash, part card). Few banks in New Zealand will exchange THB back to NZD, and if they do, they won't accept coins.