Is there still a Citibank ATM at Asoke intersection where I can withdraw cash using my US-issued Citibank ATM card? Where exactly is it? Any other locations in Bangkok? Is exchange rate okay?

And what is I use my card with non-Citi ATM?

Thanks.

 

No, afraid Citibank sold their Thai operation to UOB, so no Citibank ATM’s in Thailand any more. Same ATM’s still in Asoke, just operated by UOB now.

 

As to whether the exchange rate is OK when using your Citibank card there, you’d have to check the exchange rates your particular Citibank account uses when withdrawing cash from overseas ATM’s, and whether there are any surcharges. I used to have a Citibank account in Australia before they sold their operation to an Australian bank, and their rates were very fair. Used to love the Citibank Asoke branch, as I didn’t even need to pay the 220 baht fixed charge levied by just about all Thai banks when using an overseas card.

 

One thing you have to take great care with is to never accept the conversion to your local currency that many ATM’s ‘helpfully’ offer you. This is known as ‘dynamic currency conversion’, and is an outrageous rip-off. Take your time at each step of the transaction, reading everything carefully, as if you feel rushed, it’s easy to fall into the dynamic currency conversion option by mistake. Even some supermarkets try it on, if paying by card, always insist on paying in Thai baht if given the option of paying in your local currency.