Cash exchange vs. Wise, cards & ATM
Comparing the payout when converting ¥100,000 (approx. 20,500 THB) via downtown exchange, airport exchange, Wise, Revolut, credit card, and local ATM.
| Method | Estimated payout (THB) | Notes |
|---|---|---|
| Downtown exchange (best shop) | 20,560 ฿ | Based on live data, current best rate |
| Airport exchange (Happy Rich) | 20,550 ฿ | Live data from an airport location |
| PRWise | 20,377 ฿ | Approx. mid-market rate minus estimated fee (PR) |
| PRRevolut | 20,295 ฿ | Approx. mid-market rate minus estimated fee (PR) |
| Credit card | 20,111 ฿ | Estimate assuming a 1.6–2.2% foreign transaction fee |
| Local ATM | 19,870 ฿ | Estimate assuming a 220 THB ATM fee plus your bank's FX fee |
Figures for Wise, Revolut, credit card and ATM are estimates. Please check each provider's official information for actual rates and fees.
Which method is best for you?
- If you'll use a lot of cash, targeting the best downtown shop tends to give the highest payout.
- Unless you need cash right away, airport exchange is often worse than downtown — exchange only a small amount at the airport.
- If you mainly pay by card, multi-currency cards like Wise or Revolut can beat cash exchange (check each service for details).
The rate displayed at the shop counter takes precedence over this page