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Home » Reader question » Reader question: Debit card at the ATM in Thailand
Reader question: Debit card at the ATM in Thailand
Dear readers,
It's been a while since I was in Thailand, but next Saturday it's that time again. Don't know exactly why, but I'm always afraid to do something wrong when pinning in an ATM machine.
Insert Snap best card, select English, my pin code, but what are the next steps? Something about withdrawl? I choose from existing amounts, so I don't have to enter my own amount (it only concerns withdrawing money, for example 500 or 1.000 or 10.000 Baht). Hope someone can enumerate me without fuss. Step 1 etc.
Thank you so much already.
Regards,
Frank
The Best
If it's for vacation take euros with you and change at exchange office “Super Rich” Do you have the best exchange rate and no bank costs…. Keep your money in the safe…. Have a nice holiday….
Dear Frank, it is best to take cash with you and exchange it in Thailand, which is really a lot cheaper
gr george
If you are at ING: do not forget to set your card to “World”.
Whitedrawl is always good. and then choose a fixed amount
A child can do the laundry 🙂
You name yourself the correct order.
You just have to get your money
and press the yes or no button
if you want a receipt.
Then you will get your card back.
thank you, that helps me.
Dear Frank,
It is "suffocating" in Thailand from ATMs, every bank has its own distribution system.
So there is also a difference in how the machines operate.
But it all comes down to the same thing, insert card, type PIN, choose language, then you often only see amounts, so choose, then the question is whether you agree to 200 Baht costs? OK, take money out and do you want a receipt or not and lastly;
DON'T FORGET TO REMOVE YOUR CARD.
Many people (tourists) walk away, after receiving money,
Practice a little and you'll be fine.
Greetings Nico from Lak-Si
Frank, it is simply unwise to withdraw money from an ATM. First, you get an unfavorable exchange rate plus fees charged by your own bank. Secondly, you pay 180 bath for each PIN withdrawal (at some machines already 200 bath). Be sensible and take cash with you and exchange it on the spot, not at the airport.
thank you Theo, I'm staying for a month, and won't be bringing everything in cash.
If you only pin 500 or 1000 baht then you have very high costs, abn amro 2,25 and 200 baht thai withdrawal costs.
Then take at least 10.000
Hello Frank. If possible, take cash with you. You get a better rate and you don't have to pay bank costs. About 7 euros per pin. If you still want to pay: card in the machine, pin code, withdrawl and then a maximum of about 18000 bath. You can no longer withdraw with your Dutch debit card. Hope this made you wiser. Regards, Jeanine
Don't know if it still exists : Traveler checks. Much more favorable exchange rate, insurance against loss or theft. Hardly any costs when applying for a bank in the home country, normally no costs for collection. I always did.
I'm also going to Thailand Pattaya soon and looked at the option to take traveler checks with me. According to the teacher at the rabo, they were around 25 euros each. That's a sip more than pins.
I'm not sure what I'll do.
What I do in any case is to take a prepaid master card with me, as a backup, I cannot withdraw or debit money with it, but according to that organization I should be able to pay with it. Taking money with you for 14 days seems quite a risky option, if your suitcase or bag gets lost along the way you lose money.
@karel mentioned "super Rich" as a good exchange office, are they also in pattaya? Can you also pin on these occasions? Or does it always have to be done with cash?
Of course you don't put cash (and your card) in your suitcase or bag, but you wear it on your body during the trip in a folder that hangs around your neck, or in an (extra) wallet in a lockable (with zipper or buttons) ) pocket. Then the risk is virtually nil.
In Pattaya, the cheapest exchange offices are almost always those of TT-exchange (yellow offices, you will automatically encounter). You cannot use a debit card at exchange offices.
There cash exchange is at least about 7% cheaper than the cheapest way of debit card.
For emergencies, a card that you cannot use to pin or withdraw money seems to me to be rather nonsensical.
And if you lose your travelers checks or prepaid card, you also have a problem.
For real emergencies (no more cash and debit card lost) it is always useful to have someone in the Netherlands you can call on, by helping you out via Western Union.
The Dutch banks (De ING certainly) have a system that if your card is stolen or something like that you can always have money through a system like WU or something like that.
There are 3 different companies with the name Super Rich: Super Rich, Grand SuperRich and Super Rich 1965.
All 3 with slightly different rates where one moment the one is better the other. All three are located in the district near Siam Paragorn (BKK center), there is one on Suvarnabhumi. Not in Pattaya. There are more companies with a similar, equally favorable or sometimes more favorable rate: Sia Exchange, Vasu Exchane, Linda exchange etc.
Check the best course and/or location at:
- http://thailand.megarichcurrencyexchange.com/index.php?cur=eur
- http://daytodaydata.net/
- https://www.google.com/maps/d/viewer?mid=z1bhamjNiHQs.klLed4_ZPr6w&gl=us&ie=UTF8&oe=UTF8&msa=0
Best rate for denominations of 100 euros or more. You have to provide banknotes, pins are not allowed.
See also:
- https://www.thailandblog.nl/lezersvraag/gunstigste-wisselkoers-thailand/
- https://www.thailandblog.nl/lezersvraag/gunstige-wisselkoers-thai-baht/
Yes still exist, at least in spain.
Dear Frank,
I understand your uncertainty. Debit card payments definitely go wrong sometimes. Especially if your card is swallowed for no reason. The instructions are often difficult to read, for example due to sunlight, and you press the wrong buttons. But you can always cancel.
The order of action depends a bit on the bank you use with your PIN, but usually it is: PIN code - English - withdraw - and choose the amount. NB! In the Netherlands you must first take out your card and then the requested balance will be paid. In Thailand (at least at Siambank) it is the other way around! So first comes your requested balance, which you want to check immediately. Well, sometimes the bank card is forgotten and...... people often look over their shoulders, especially if you make these kinds of mistakes.
I only pay at a bank branch that is manned at that time. In case of problems you can knock directly and often there is also a security guard outside.
Good luck.
Bring cash, a transaction costs 180 baht
You already have the right order in your head. Only there are some ATM that still ask for something……. And that's beneficial!
If you are going to pin, pin at the green ATM cabinets.
They ask at the end if you agree with “conversion”
By that they mean that they are already making the conversion.
Then you press disagree and then it can quickly save € 10-€ 15 that you are cheaper.
Beats. Always press: “continue without conversion”
But exchanging cash euros for Thai bht is the best and saves a lot of money in a month's vacation.
Never choose conversion! In many cases, it saves around 20 euros per withdrawal of 18000 baht.
Don't forget to activate your debit card for Asia.
And finally, the question often arises whether you want "conversion", if you answer positively, you will receive exactly the amount in euros that you have to pay. Seems nice, but usually costs a lot extra, because the most unfavorable exchange rate is used. So never do! It is indeed a good tip to take cash with you and if you do use a pin, always in the bank or right next to an exchange counter. You can always ask for help in an emergency.
Choose the highest possible amount yourself, choose 'without conversion', then you will be the cheapest.
Still about 7% more expensive than cash exchange at a bureau de change.
Whether you think that difference is worth taking some risk by taking some or all of your cash with you is a personal choice that you have to make yourself.
Ls,
That's right, without conversation is 10% cheaper. In other words with conversation 10% more expensive.
Everyone has already mentioned it; bring cash for a favorable conversion rate. If you still want to withdraw money, do it at a bank branch (not at a stand-alone ATM), because if the ATM swallows your card, you can still walk in to ask for it back.
If you are staying in Thailand for a long time, open an account in any Thai bank. Put your money converted from Euros to THB on it, and take the money you need with your bank card at any ATM machine. Is without bank charges. And you get interest on your money on top.
It's been mentioned before, but pay attention! Your pass is only the last to come out of the machine. While you will be the first to get it back almost anywhere in the world!
So don't immediately put your money away and walk away. This is how I lost two steps in a week(…)
And don't be afraid. Do not carry thousands of Euros in cash. Pinning is safe and works fine. Personally, I wouldn't want to run the risk of suddenly losing a whole lot of money.
I assume that you pin with the debit card and not with cr.card, otherwise I have a tip.
And one more: spread your money, never carry everything with you, that reduces the risk by 50% (and you can therefore take 2x as much cash with you.
Let me mention it anyway, since the same applies to the debit card: if it is swallowed for whatever reason, do not trust the advice of the bank (ING in my case), because it says: the card will be destroyed, just ask a new one. This is incorrect!!
Best options for cash exchange:
http://www.vasuexchange.com/
http://superrichthai.com/exchange
http://www.superrich1965.com/rate.php
http://www.grandsuperrich.com/
Sometimes you can get a better rate from Chinese gold dealers (especially if you want to exchange a slightly larger amount) !!
Great discussion, but I just can't understand all the excitement about the rather minor differences in currency exchange. With a few exceptions, these are visitors who stay in Thailand for a short time. Often generous money is spent on drinks, tips and other pleasures. But like real cheese heads, we're going to haggle here for a few euros. While the real costs are the commissions and bank charges, THB 200 for one card transaction has been paid generously. But yes, you have the comfort to refill your wallet in the most impossible places. For me, those costs strongly outweigh the risk of traveling with several thousand Euros in cash. I also insure against fires and wish I never have to claim. Gr. Paul (currently in Isan)