I have been trying to withdraw from different Thai banks using a foreign bank debit card .but they all seem limited to 20,000 Thai baht, even though my foreign bank allows me to take far more. This incurs foreign transaction charges for each 20,000 taken ,approx 1000 baht which is crazy. Anyone had experience using their foreign bank card?

Your charge often includes a card charge of circ 3%, unless you have a special card like mine. Try Krungsri, yellow bank, i withdrew 100k at the counter, see if they still do it, ATMs are limited to 20k-30k

56 minutes ago, scubascuba3 said:

Your charge often includes a card charge of circ 3%, unless you have a special card like mine. Try Krungsri, yellow bank, i withdrew 100k at the counter, see if they still do it, ATMs are limited to 20k-30k

Ok .can we withdraw at counter with the card and passport

2 hours ago, pixelaoffy said:

I have been trying to withdraw from different Thai banks using a foreign bank debit card .but they all seem limited to 20,000 Thai baht, even though my foreign bank allows me to take far more. This incurs foreign transaction charges for each 20,000 taken ,approx 1000 baht which is crazy. Anyone had experience using their foreign bank card?

Are you selecting to let the Thai bank ATM make the conversion? If so, they usually charge about 5.5% which equals about 1,100 baht extra plus the 250 baht ATM fee.

If you select "NO, continue without conversion", then you should get the best outcome.

2 hours ago, pixelaoffy said:

I have been trying to withdraw from different Thai banks using a foreign bank debit card .but they all seem limited to 20,000 Thai baht, even though my foreign bank allows me to take far more. This incurs foreign transaction charges for each 20,000 taken ,approx 1000 baht which is crazy. Anyone had experience using their foreign bank card?

To be more clear you should say you were using the ATM... in the past banks would allow withdrawals on foreign debit cards from the teller. AFAIK... only Krungsri still allows that type of transaction.... Bangkok bank stopped doing it within the last year. I used to be able to get 15KUS$ per transaction at BBL using my debit card. That was primarily how we paid for our house build.

2 hours ago, scubascuba3 said:

Your charge often includes a card charge of circ 3%, unless you have a special card like mine. Try Krungsri, yellow bank, i withdrew 100k at the counter, see if they still do it, ATMs are limited to 20k-30k

Almost every US debit card charges a foreign transaction fee of up to 3% for ALL transactions outside the US. Schwab and CapitalOne as well as some credit unions do NOT. Unfortunately, Cap1 recently switched to a Discover debit card which is basically useless in Thailand. Schwab also refunds that ATM fee of 270฿ added when using a foreign debit card to make a withdrawal.

ATM withdrawals with foreign debit cards are almost always an expensive method of exchanging funds to ฿.

2 hours ago, pixelaoffy said:

I have been trying to withdraw from different Thai banks using a foreign bank debit card .but they all seem limited to 20,000 Thai baht, even though my foreign bank allows me to take far more. This incurs foreign transaction charges for each 20,000 taken ,approx 1000 baht which is crazy. Anyone had experience using their foreign bank card?

Open a Charles Schwab account, you can open on-line, fund it and they will issue a debit Visa card, and refund all the bank charges directly to your account. I usually get 4-5,000 baht back every month. Wished I had know about them years ago.

1 hour ago, JohnnyBD said:

Are you selecting to let the Thai bank ATM make the conversion? If so, they usually charge about 5.5% which equals about 1,100 baht extra plus the 250 baht ATM fee.

If you select "NO, continue without conversion", then you should get the best outcome.

There is no option to continue without conversion .I have tried all the banks ATMs

1 hour ago, pixelaoffy said:

There is no option to continue without conversion .I have tried all the banks ATMs

SCB & Kasikorn should have an option to "Continue without conversion" because I've used that option every time I got money. I use my Chase Bank debit card. Chase does not charge me any fees and they also refund the 250 baht ATM fee due to my relationship level. See bottom right of screen.

5 hours ago, pixelaoffy said:

Ok .can we withdraw at counter with the card and passport

Yes, but sometimes they say no, depends on branch

9 hours ago, scubascuba3 said:

Yes, but sometimes they say no, depends on branch

Please tell me what branch in Bangkok.if you know

.

9 hours ago, JohnnyBD said:

SCB & Kasikorn should have an option to "Continue without conversion" because I've used that option every time I got money. I use my Chase Bank debit card. Chase does not charge me any fees and they also refund the 250 baht ATM fee due to my relationship level. See bottom right of screen.

And they give you 36baht a $ now?

7 minutes ago, pixelaoffy said:

And they give you 36baht a $ now?

No, that was a pic I took in June 2024 for someone on the forum who didn't know what the "No, continue without conversion" button meant. That person complained about having to pay the extra 5.20% charge plus the 220 baht fee. So, I went down to the lobby of my condo and took a pic to show him.

16 hours ago, pixelaoffy said:

.but they all seem limited to 20,000

Limit is 30,000, select other amount and enter 30k, that's the case with Kasikorn and Krungsri, they both also allow you the option of accepting or rejecting the bank conversion rate they offer in favour of your own bank.

10 hours ago, JohnnyBD said:

SCB & Kasikorn should have an option to "Continue without conversion" because I've used that option every time I got money.

Kasikorn has. Recently tried with a mate.

20000 seems to be hardwired by Thai Banks independent of your foreign card or the ATM/bank used.

Experienced by another mate. Though not 100% certain as 20220 Baht is more than 500 Euro which might be a limit on his card (for cash).

Obviously they want to ensure their profit with the 220 Baht.

20220 THB ~ 550 EUR ~ 650 USD ~ 480 GBP

22 minutes ago, Stocky said:

Limit is 30,000, select other amount and enter 30k

And that is from experience with a foreign card?

Sure I get 30k with a local bank card.

I am not up to try, waste of money.

I just looked back at my bank transactions. I was able to get 30k per transaction in Oct 2025 from the Kasikorn ATM in Emquartier mall at Phrom Phong in Bangkok using my US Chase Bank foreign debit card. SCB will only give me 20k per transaction. My debit card limit is $2,000 per day at non-Chase ATMs, so I can get about 60k per day.

1 hour ago, pixelaoffy said:

Please tell me what branch in Bangkok.if you know

.

No idea about Bangkok you need to do some research and report back, in the meantime don't accept the automatic currency conversion and better planning for next trip, order a new specialist card with 0% currency charges

48 minutes ago, KhunBENQ said:

And that is from experience with a foreign card?

Sure I get 30k with a local bank card.

I am not up to try, waste of money.

Yes, that's with my HSBC Singapore Global Debit Card

4 minutes ago, Stocky said:

Yes, that's with my HSBC Singapore Global Debit Card

Ok. That would support the idea that mate's card was limited to 500 EUR.

1 hour ago, KhunBENQ said:

Ok. That would support the idea that mate's card was limited to 500 EUR.

Yes that makes sense, the limit on my Singapore card is SGD 5,000.

4 hours ago, Stocky said:

Limit is 30,000, select other amount and enter 30k, that's the case with Kasikorn and Krungsri, they both also allow you the option of accepting or rejecting the bank conversion rate they offer in favour of your own bank.

That's usually because Most ATMs are only able to dispense 20-30 notes at a time so if you come across a machine that only has 500 THB notes left in it, you'll only be able to withdraw 10-15,000.

15 hours ago, scubascuba3 said:

Yes, but sometimes they say no, depends on branch

Even when most Bangkok bank branches offered cash advance using foreign debit card... there were branches that just refused to do so. My last successful teller withdrawal was April last year. By then BBL had reduced the limit to 100K฿ per withdrawal. A few days later my local branch called head office when my next attempt had failed. Head office said they no longer allowed that transaction.

AFAIK... only Krungsri offers cash advances on foreign debit cards. No fees if you're using MasterCard but a 200฿ fee if you're using a VISA card. Limit is 150K฿ per withdrawal. I only ever requested a withdrawal at the Krungsri branch where I opened an account.

On 2/28/2026 at 11:29 PM, Explorator en Action said:

Open a Charles Schwab account, you can open on-line, fund it and they will issue a debit Visa card, and refund all the bank charges directly to your account. I usually get 4-5,000 baht back every month. Wished I had know about them years ago.

Reading things like that, scares me. The secret is out regarding the Schwab accounts and there must be millions of people with checking accounts with or without sizable investments with Schwab. They must be paying out millions of dollars every month in ATM fee refunds. I don’t see how it’s sustainable.

Therefore, I endeavor to limit my use of this “feature” as much as I can. I don’t want them to change it or take it away. I rely on it extensively when traveling outside Thailand. Within the kingdom, I use my Thai bank account.

On 2/28/2026 at 10:33 PM, pixelaoffy said:

There is no option to continue without conversion .I have tried all the banks ATMs

Yes, there is. Well, BBK has anyway.

30 bank notes maximum. That’s its, that’s all. That’s what the machines dispense. If there were 10,000 baht notes in the country, you could pull 300,000.

On 2/28/2026 at 7:40 PM, pixelaoffy said:

Ok .can we withdraw at counter with the card and passport

I use Krungsri bank to do a counter withdrawal at least once a month using my credit card. No fees (it is a Mastercard). Other banks have declined to do so or want to charge a fee. I usually take 50,000 baht a time. Never tried for more.

Those of you who have done counter withdrawal at Krungsri with Mastercard, may I ask what branch in Bangkok you did it in, and what exactly do you say to the teller? There are no foreign currency conversion, Mastercard, home bank or local bank fees?

6 hours ago, Everyman said:

Reading things like that, scares me. The secret is out regarding the Schwab accounts and there must be millions of people with checking accounts with or without sizable investments with Schwab. They must be paying out millions of dollars every month in ATM fee refunds. I don’t see how it’s sustainable.

I've had the Schwab account since 2015 and used it around the world.

Back when I got the card it was perfect - not only did they refund the full amount of foreign transaction fees, they gave you the spot USD exchange rate. This is not the case anymore. Today Schwab uses the rate set by Visa (or Mastercard, depending on card network) on the date the transaction is processed, which is close to the market rate but includes a markup compared to the real-time interbank spot rate.

So this is why it is sustainable and how Schwab is at least breaking even, if not making money. Still a great service, but it is not "100% free".

I also have a Fidelity card, which has the same service (free worldwide atm fee reimbursements). I often withdraw B30,000 from Schwab and then B30,000 from Fidelity (Krungsri ATMs) in one ATM visit. Both banks convert at exactly the same rate (the Visa/Mastercard rate).

TTB (formerly TMB) allows 30K withdrawals. At least they used to. It's been several years since I have done one.

3 hours ago, rickudon said:

I use Krungsri bank to do a counter withdrawal at least once a month using my credit card. No fees (it is a Mastercard). Other banks have declined to do so or want to charge a fee. I usually take 50,000 baht a time. Never tried for more.

There are very few issuers of credit cards that don't charge an instant fee for borrowing cash from them. Make sure you check the terms and conditions attached to your card.