Using Thai ATM cards in UK

[portly]

I have read some threads on this , but remain unclear ,   If as quoted ATM cards are not a problem in most countries,  what is the MAXIMUM one can withdraw on a daily basis ,or , in total ? specifically,  not just 2 or 3 hundred quid

I am aware that 20000 USD or equivalent can be carried out per person (?)  if of course you can find a bank that has it.

Canada and US gold 20 dollars , I believe are OK  , but hard to find.......also very bad to be wrong about that though .  opinions vary

I am with CIMB thai   and Krungsri.............neither of them seem to know !  since when have they tried not just to say NO  out of pure ignorance.........or nod the head and say Yes..cant rely on them .

I have 3 million that I'd like to get out of here.

Any comments or experience of this rather vague subject from you guys appreciated

[theguyfromanotherforum]

Your post is very hard to read and doesn't make much sense.

 

The maximum you can withdraw from ATM depends on the ATM machine and your bank... but notionally not more than $1000,

 

I believe the maximum you can bring to Canada and USA is $10,000 not 20.

 

However, you can bring as much as you want, but you have to declare it in advance at border customs and Fintrac (I don't know the US equivalent).

 

 

 

 

 

 

[portly]

Maybe I should have just said .          Have 3 million baht here , want to get it back in the  UK without too much hassle.

[theoldgit]

Your easiest, and safest, way is to do it by electronic transfer, there will of course be hoops to jump through to comply with Thai banking regulations.

 

You could draw the cash over a period of time using an atm card, I think that would take about 335 cash withdrawals, so would take almost a year, I'm pretty sure your card would be blocked after a period.

 

If you wanted to risk carrying that amount of cash you would have to declare it both when leaving Thailand and on entering the UK.

 

https://www.thaiembassy.sg/visa-matters-/-consular/bringing-currency-in-or-out-of-thailand

 

https://www.gov.uk/bringing-cash-into-uk

[Chivas]

You have asked this question before under a different user name.

 

Change it to Sterling at the many changers firstly. Shouldnt take more than couple days tops

 

Same advice as before as long as money is legitimate and origin provable walk it out of Thailand and into the UK carrying all documentation and declare (because its over 10,000 Euro equivalent) via Red Channel, unless you can spot a customs officer in advance. They are at most incoming flights albeit not obvious

Moneybelt obviously during flight.

As previous poster states the card will get blocked after probably 4-5th usage in UK...

 

Just fly yourself and get it personally !  So much easier if legitimate money

 

Edited to add if you dont declare it and get a pull its 100% going to be detained pending further investigation.....if you wire it back to UK that will also red flag HMRC as it lands in your account

Edited September 23, 2017 by Chivas

[JusticeGB]

Firstly if you don't have a chipped card it won't work in a UK ATM. Secondly you get extremely poor exchange rates using a credit card. Your best way is to telex transfer the money from your Thai bank account in GPB. if you have kept copies of previous notifications in then you can freely transfer the same amount back. 

[skatewash]

42 minutes ago, JusticeGB said:

Firstly if you don't have a chipped card it won't work in a UK ATM. Secondly you get extremely poor exchange rates using a credit card. Your best way is to telex transfer the money from your Thai bank account in GPB. if you have kept copies of previous notifications in then you can freely transfer the same amount back. 

 

The highlighted part is incorrect.  You get the Mastercard or Visa (assuming you use one of those cards) international daily exchange rate for the withdrawal which is not a bad rate.  The reason ATM withdrawals are not a sound way to transfer large of money are the other transaction fees charged and the inconvenience of making many transactions (due to ATM restrictions on withdrawal transaction amounts, account restrictions on daily withdrawal amounts, etc.).  ATM withdrawal is not a good way to go for transferring large amounts of money but that's due to other factors, not a poor exchange rate.

[SattahipBri]

1 hour ago, JusticeGB said:

Firstly if you don't have a chipped card it won't work in a UK ATM. Secondly you get extremely poor exchange rates using a credit card. Your best way is to telex transfer the money from your Thai bank account in GPB. if you have kept copies of previous notifications in then you can freely transfer the same amount back. 

 

I used mine in the UK with no problems and it isn't chipped

[Jonmarleesco]

The higher of the Thai bank's limit or the ATM (cash machine)'s cash limit. 

[Jonmarleesco]

4 hours ago, JusticeGB said:

Firstly if you don't have a chipped card it won't work in a UK ATM. Secondly you get extremely poor exchange rates using a credit card. Your best way is to telex transfer the money from your Thai bank account in GPB. if you have kept copies of previous notifications in then you can freely transfer the same amount back. 

The chipped cards have nothing to do with cash machine (ATM) withdrawls. They are designed for use as debit/credit cards in a store. 

[Chivas]

Must admit back in the 90's I tried using a SCB Hip card as they were called more out in interest than anything else. I was startled when it actually worked..... Fee when I updated the book the following year was 100 baht on £100

[cabanlit]

Thai ATM cards are usually defaulted so they DON'T work overseas.

 

So, ensure you get your card authorised for overseas usage first.

 

Also, as someone else pointed out to an incorrect reply, it is NOT necessary to have a chip on your card - either will work fine in a UK ATM.

Edited September 23, 2017 by cabanlit

[mstevens]

13 hours ago, Chivas said:

As previous poster states the card will get blocked after probably 4-5th usage in UK...

I have never once heard of anyone using an ATM in their country to withdraw funds from a Thai bank account having their card blocked.  One would like to think banks would flag such transactions and consider them suspect and freeze the card or the account, but like I say I have never heard a single report of a Thai bank doing that.

[jacko45k]

10 hours ago, Jonmarleesco said:

The chipped cards have nothing to do with cash machine (ATM) withdrawls. They are designed for use as debit/credit cards in a store. 

That isn't the way Bangkok Bank tell it.

My BB ATM card is chipped and that is required for it to work in their machines.

Edited September 23, 2017 by jacko45k

[theoldgit]

3 hours ago, mstevens said:

I have never once heard of anyone using an ATM in their country to withdraw funds from a Thai bank account having their card blocked.  One would like to think banks would flag such transactions and consider them suspect and freeze the card or the account, but like I say I have never heard a single report of a Thai bank doing that.

I have, a friend of mine was visiting the UK and his card was blocked after three successive days of making large cash withdrawals from an ATM, they didn't advise him until he called them, they cited unusual activity but then unlocked the card.

[Chivas]

11 hours ago, mstevens said:

I have never once heard of anyone using an ATM in their country to withdraw funds from a Thai bank account having their card blocked.  One would like to think banks would flag such transactions and consider them suspect and freeze the card or the account, but like I say I have never heard a single report of a Thai bank doing that.

I have certainly had the opposite with both Nat West and Halifax blocking my card in Thailand because uninformed in advance. In fact try using a halifax card for an online purchase whilst you've got a vpn switched on and they'll decline that as well (if vpn is another country)

Unusual activity always the reason

Edited September 24, 2017 by Chivas

[mstevens]

11 hours ago, Chivas said:

I have certainly had the opposite with both Nat West and Halifax blocking my card in Thailand because uninformed in advance. In fact try using a halifax card for an online purchase whilst you've got a vpn switched on and they'll decline that as well (if vpn is another country)

Unusual activity always the reason

I don't doubt that a bank in England would have systems in place that flag suspicious use of a card and block such a card being used in Thailand.  I was asking about a Thai bank blocking a card issued in Thailand being used in England or other developed country.

Edited September 24, 2017 by mstevens

[JusticeGB]

On 9/23/2017 at 3:37 PM, SattahipBri said:

 

I used mine in the UK with no problems and it isn't chipped

My Kasikorn Debit card didn't work in Spain or the UK a couple of years ago I got a chipped card with a 6 digit code and that worked fine next time I went to Europe. 

[Chivas]

12 hours ago, mstevens said:

I don't doubt that a bank in England would have systems in place that flag suspicious use of a card and block such a card being used in Thailand.  I was asking about a Thai bank blocking a card issued in Thailand being used in England or other developed country.

probably "wise" not to depend 100% on it most would agree. I only used mine once as I said earlier in the thread and was startled when Barclays spewed out £100.....its must have been around 94/95 certainly long time before internet took off and interbank banking was available

[SattahipBri]

On 9/25/2017 at 9:47 AM, JusticeGB said:

My Kasikorn Debit card didn't work in Spain or the UK a couple of years ago I got a chipped card with a 6 digit code and that worked fine next time I went to Europe. 

You first have to get your card authorised for overseas usage. I have used my Kasikorn debit card dozens of times in the UK

[JusticeGB]

6 hours ago, SattahipBri said:

You first have to get your card authorised for overseas usage. I have used my Kasikorn debit card dozens of times in the UK

 

6 hours ago, SattahipBri said:

You first have to get your card authorised for overseas usage. I have used my Kasikorn debit card dozens of times in the UK

My card was pre authorized I'm not an idiot. 

[SattahipBri]

5 minutes ago, JusticeGB said:

 

My card was pre authorized I'm not an idiot. 

Certainly want suggesting you are, anyway I go to the UK for a holiday yearly and use the card with no problems