Thailand ATM fee calculator

Estimate a withdrawal’s total cost from the cash amount, ATM fee and your own bank’s charges. Krungsri’s published schedule lists 250 baht for foreign-issued Visa and 350 for Mastercard. These presets apply to that bank’s schedule only. Your card issuer may add fees; confirm the machine’s displayed charge.

See the calculation.

For one withdrawal, total THB = cash + ATM fee + cash × issuer % ÷ 100 + issuer fixed fee. For a cash plan, convert cash amounts to whole satang before counting: withdrawals = ceil(total cash ÷ cash per withdrawal). Total fees = withdrawals × (operator fee + issuer fixed fee) + total cash × issuer % ÷ 100. The final withdrawal supplies only the remaining cash.

A worked example

With 10,000 baht cash, a 250 baht ATM fee and no issuer fee: 10,250 baht total, with a 2.5% fee burden.

What the result leaves out

Krungsri schedule effective 11 March 2026, checked 23 October 2026. Visa THB250; Mastercard THB350 per transaction. Choose a withdrawal size your actual machine permits; no machine limit is assumed. The issuer percentage applies to cash only; add any charge on operator fees to the fixed fee. Conversion spread and cash-advance interest are excluded.

For help choosing inputs, read the worked guide for this calculation.

Primary reference: Krungsri official fee schedule, page 8
Checked 23 October 2026 · Source date: 2026-03-11.
Bank-specific preset only; ATM screen and issuer charges still need checking