Cash vs Wise, Cards & ATMs: What You Actually Receive
Comparing what you'd actually receive when converting ¥10,000 to Thai baht via downtown exchange, airport exchange, Wise, Revolut, credit card, and a local ATM, using today's rates.
¥10,000 → approx. ฿2,126 (mid-market)Updated 02:46 · refreshes every 15 min
Today's best payout
Downtown exchange (best shop)PR
฿2,120
The current best downtown rate, based on each shop's published rate.
Best downtown shop (live data)฿2,120Falcon-Solis Money Exchange Yannawa · Best
Airport exchange (live data)฿2,050Happy Rich Exchange · Some days it's close to downtown rates
Best downtown shop (live data)฿2,120Best
Airport exchange (live data)฿2,050vs best −฿70
Payout ranking
per ¥10,000 · bar = share of best, shown on an 80–100% scale (green on par / amber slightly worse / brown worse)
1
Downtown exchange (best shop)City exchangeLive data
Falcon-Solis Money Exchange Yannawa · as of 02:46
RevolutRevolutEstimate
Amount converted to THB on your card balance (mid-market rate − 0.5%, midpoint of 0% weekday / 1% weekend, up to ¥300,000/month, estimate). Cash withdrawals at Thai ATMs cost about ฿250 extra.
Local ATMLocal ATMEstimate
Estimate based on a 250 THB ATM fee plus your bank's FX fee · Worse if you withdraw small amounts repeatedly
฿1,833−฿287
86.5% of best
Figures for Wise, Revolut, credit card and ATM are estimates based on each provider's published fees. Please check each provider's official information for actual rates and fees. Downtown and airport figures are each shop's published rate. Wise and Revolut figures are spendable card balances, not cash-exchange payouts.
Recommendations by travel style
Short trip (a few days)
Lean on downtown cash exchange, and pay by credit card at hotels and department stores. Budget roughly 2,000–3,000 THB in cash per day.
A week or more, multiple cities
Lean on Wise or Revolut, topping up cash for street stalls and markets at downtown exchange shops. Keep ATM withdrawals to a minimum given the fees.
Carrying as little cash as possible
Pay with a Wise or Revolut card, and only exchange enough cash at the airport for transport. Always decline DCC (billing in yen).