Pattaya · practical by design
Pattaya exchange quotes: rate vs fees
Compare the baht left after fees, rather than choosing an exchange quote by its headline rate alone.
Compare the baht left after fees, rather than choosing an exchange quote by its headline rate alone. Use the worked figures below to see the difference, then enter your own quotes in the linked calculator. Keep the amount, household and time period consistent when comparing alternatives.
Checked 26 October 2026 · Source: published formula and worked arithmetic. Figures are fictional.
For 100 home-currency units, offer A at 35 baht per unit gives 3,500 baht before a 100-baht fee: 3,400 net. Offer B at 34.8 with no fee gives 3,480. B leaves 80 baht more. Enter percentage and source-currency charges in their own fields; a spread already in the rate is counted once.
Worked comparison
| Scenario | Calculation | Result |
|---|---|---|
| A | 100 × 35 − 100 | 3,400 THB |
| B | 100 × 34.8 | 3,480 THB |
Exchange rate comparison calculator
Questions before you calculate
Does a higher exchange rate always win?
No. Compare net baht for the same original amount after all entered fees.
Which formula does this comparison use?
For each offer: net baht = (source amount × (1 − percentage fee ÷ 100) − fixed home-currency fee) × quoted THB per unit − fee in baht. Difference = net A − net B. Effective THB per home unit = net baht ÷ source amount, or 0 when the source amount is 0.