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Take Money Out in Thailand without ATM Fees

Are you still getting hit by the 180 baht ATM fees the Thai banks charge you? Did you know that there are hundreds of ATM locations around Thailand that won't charge you ANY Fees to withdraw money. I'm making a commitment lately to reduce money that I don't really need to spend and the first thing I've done is make sure I stop taking money out of regular ATM's if I'm withdrawing money from overseas. AEON Cash despensors aks ATM machines will take any mastercard or visa card and bank card from around the world WITHOUT charging any fees! I figured it'll save me hundreds of dollars a year and if you aren't already taking advantage of it you should start now.

I recently went to the AEON bank in Central Airport Chiang Mai (though closer one for me is really Siam TV on the moat), was super surprised how many people are using these machines check out the line....
Take Money Out in Thailand without ATM Fees
When you take money out there are no fees!
No ATM Fees in Thailand
To find a location close to you check out the AEON locations page just make sure when you do the search you select Cash Dispenser/Cash Depositor otherwise the locations won't show up.

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About Chris

Chris founded LivingThai.org in 2011 and has received over 3 million visitors. He has lived here for over 10 years and speaks reads and writes very good Thai.

22 Responses to Take Money Out in Thailand without ATM Fees

  1. Faraday September 1, 2013 at 7:27 am #

    Thanks Chris…it boils my urine when I add up all the tx fees every bloody time.

    It’s not being cheap to do this, just better money management.

    But why give someone else your money when you don’t get anything in return?

    • Chris September 1, 2013 at 2:16 pm #

      For me at least it’s just being lazy instead of planning when i take money out i get trapped into paying the fees. You are right, why give them your money when you don’t have to.

    • varjawand October 14, 2015 at 11:26 pm #


      All atms charge fee except citi

  2. whooyeah September 1, 2013 at 9:22 am #

    Ah very good to know.

    If your Australian and you travel a lot you can also use velocityglobalwallet.com to bpay your money onto the prepaid visa card and keep it in 10 different currencies. The exchange rates were pretty good.

    • Chris September 1, 2013 at 2:15 pm #

      Also good info thanks mate.

  3. Andrew September 2, 2013 at 2:57 am #

    Yeah, but what rate are they exchanging your money at? Could be saving $5 in fees but losing a lot more in exchange rates. Best thing to do is open an account here and then transfer money over via your online banking abroad, once every few months. You get the fairest ex rates and the fee is about 1,000 baht.

    • Chris September 2, 2013 at 5:20 pm #

      It all depends on how much your transfering and how often. The exchange rate on AEON is really good. In most cases i’m transfering money but there are cases where you need money out fast and cases where you’re using an online bank that doesn’t allow bank transfers to Thailand. If you use a card try to use it at the AEON atm.

  4. Richard September 5, 2013 at 7:24 pm #

    Are those lines always like that at the AEON atm machines? If so, I would just as soon pay 180 baht rather than wait in a line that long.

    • Chris September 7, 2013 at 1:02 pm #

      That day one of the machines were broken, yes there are normally lines but depends what time you go, i suggest go when they open there are no lines.

  5. Brian September 5, 2013 at 8:45 pm #

    This is great! It would have saved me thousands of baht to know this. Those lines bother me a bit, after my pin# got swiped twice and money went to eastern Europe, new card needed, etc. Make sure to cover your hand, and make sure no one is behind you with a camera phone recording you entering your pin#.

  6. diabolos September 5, 2013 at 10:42 pm #

    If ur an Aussie, you can also get a 28 degrees credit card. You get inter-bank rates and they don’t charge you a conversion fee too. So technically it’s the best rates and no withdrawal fee(from their side). Just BPAY money into the Card and use it as a debit card. No yearly fee too.
    And now you mentioned that AEON has no ATM fee, it’s just made it perfect!

    • Chris September 7, 2013 at 12:54 pm #

      Great info thanks buddy

      • jam September 14, 2013 at 2:51 am #

        canada also have prepaid visa card in foreign currency with good rate

  7. Tim November 22, 2013 at 4:59 am #

    Sorry to spoil the party on the 28 degrees card. GE will be moving the goal posts. From the 1/1/2014 ANY cash withdrawal will be charged a new fee of $4 or 3% whichever is greater (capped at $30 per transaction) even if you have positive balance on the account.

    I’m currently looking for alternatives.

  8. Ron January 4, 2014 at 4:53 pm #

    Thanks for this. Wish I would have known about this before. Been spending a fortune on Money transfers from back home, between the fees and the rates, you get pummeled sometimes.

  9. เจฟฟรีย์ February 14, 2014 at 2:02 pm #

    Aeon atm’s started charging 150 baht since this week. … g

    • Chris February 15, 2014 at 8:40 am #

      Yeah I heard the news, sux!

  10. Th April 5, 2014 at 11:06 am #

    This is a shame! The fee is a way too much, and as a foreign customer we can’t say anything, we just can pay, this is too much!
    Now the travellers are temped to travel with a big amount of their own money to change in Thailand, the just like easy money, the government or any person, group, authority should spot that!!

  11. ron October 21, 2014 at 10:05 am #

    Heard so to.


    • Chris October 22, 2014 at 9:13 pm #

      None, they all take fees these days

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