With what currency to go to Thailand. Commission when paying for goods and services with a bank card in Thailand. Pocket and household expenses

The most popular way to import money is currency (euro and dollars). But this is a common mistake of our compatriots, because:

Currency exceeding the allowed amounts must be declared (when exporting from Russia - more than $10,000, when importing into Thailand - more than $20,000);
Cash is easy to steal;
In Thailand, it is almost impossible to buy something for foreign currency;
To get local baht, you will have to use a bank branch or a currency exchange office, which, although there are enough in this country, are much smaller than ATMs.

Therefore, in addition to a small amount of cash in foreign currency, take with you several major international credit cards (MasterCard, Diners Club, Visa, American Express) accepted in most banks, hotels and shops in Thailand.

It is profitable to pay in Thailand with such cards, because no commissions are charged and the minimum possible interest on currency conversion is applied. The only nuance when paying by credit card in small retail outlets in Thailand may be an increase in the cost of goods by a few percent of the commission or the establishment of a minimum purchase equal to, for example, 500 baht.

Please note that unnamed Russian plastic cards (without a last name) are practically not serviced in Thailand (although you can withdraw cash from ATMs).

Credit cards in Thailand are best used for cashless payments, and not for cashing out, as this country has a high level of bank card fraud.

If necessary, you can withdraw cash in local currency from ATMs located in all public places. When withdrawing, you will have to pay a fee from the bank that owns the ATM (about 150 baht) and an additional about 1-4% for cash withdrawal, as well as for currency conversion. In Thailand, there is a limit on a one-time withdrawal (usually 20 thousand baht).

Currency exchange

Bank branches (foreign and Thai) operate in Thailand on a five-day schedule from 8.30 to 15.30. Leading banks such as Thai Danu Bank, Bangkok Bank and others provide currency exchange seven days a week from 7 am to 9 pm in all major tourist centers of the country. The exchange rate of the baht to the Russian ruble is approximately 1 to 1. The exact exchange rate of the baht can be found at any time on the website owned by the Bank of Thailand, for example http://www.bot.or.th/.

You can exchange currency in Thailand:

At bank branches at the official exchange rate;
At licensed exchange offices. Here you will be offered the most favorable exchange rate;
In supermarkets - the exchange rate depends on the level of prices in the store (the more expensive the supermarket itself, the higher the exchange rate);
In hotels and airports, but often the exchange rate in these institutions will be overpriced.

The main monetary instrument in Thailand for you should be a bank card. In doing so, adhere to the following recommendations:

Often Russian banks block cards after transactions made in Thailand, so you should warn your bank about your planned trip to this country. After using a credit card in Thailand, the bank may strongly recommend a replacement card to protect the owner from possible fraud.
If possible, issue several cards in different banks, so as not to worry that the ATM will “swallow” your credit card or the bank will block it.
Enable roaming on the phone linked to the cards in order to control card expenses and receive control calls from banks (the card may be blocked by the bank if you cannot receive a call from bank employees).
Connect the Internet banking service to all accounts and make powers of attorney for people close to you so that you can transfer money from one card account to another and receive new cards.
Purchase American Express Traveler's Checks, which are widely accepted in Thailand.

Also follow the basic rules for the safe storage and use of plastic cards:

store cards in different places (bags, wallets, pockets);
If possible, withdraw money from ATMs located in bank branches. If the ATM "ate" your card, then contact the bank to which it belongs;
when paying in restaurants and shops, do not let your card out of sight.

Armed with this knowledge and a few credit cards, you can safely travel to Thailand.

Going on vacation and looking for information about how much money to take to Thailand? Do not plan to lose "hard earned" on the difference in currencies? Do you want to get the "maximum" when exchanging for the country's national banknotes?

The most up-to-date information: with what money to go to Thailand in 2019 and what currency is most profitable to change to baht. What dollar bills are not accepted in Thai exchangers and in connection with what they can refuse to exchange? Should I buy local money at all or can I pay in dollars? Clear, structured, without confusing terms and economics.

What is the most profitable to take on vacation in Thailand: dollar, euro or rubles

We will not delay the answers: for a trip to the country of eternal summer, it is best to stock up on dollar bills:

has one of the most favorable and stable exchange rates in Thailand;
in case of incomplete spending during the holidays - it will always come in handy at home;
it is possible to buy and sell in any bank in the territory of the Russian Federation.

The European currency is also a good option, as a cash reserve for a vacation. By the way, it has the same popularity as American money. Comparing these two world units - the dollar is somewhat more profitable to exchange for baht. However, the difference is so ridiculous that it will be noticeable only when depositing large sums.

Let's visually compare the outcome of the exchange of the same amount (for example, 50,000 rubles), subject to the need for an initial purchase of foreign currency. For the purity of the experiment, the course is taken from one resource.

In dollars, the amount was $867. When transferred to baht, they received - 27.040 baht.

In Euro, the amount was 702€. When converted to baht - 26.967 baht.

Our calculations confirm that there is no difference as such when converting dollars or euros into baht. However, the buck has a small but nice "plus". Of course, if you have any of these currencies, it will be most profitable to use it.

You will be interested: is paying with a bank card in Thailand more profitable than cash?

Is it profitable to take rubles to Thailand

In continuation of the calculations, in fairness, let's "check" the same mythical exchange with rubles.

With the same data (course), 50.000 rubles. will cost 26.947 baht. Not much less than with the dollar and the euro, right? But, why, all online publications unanimously repeat: you need to take bucks to Thailand! Why not rubles?

The thing is that when exchanging rubles for baht, directly in Thailand, formally, you make a double conversion: ruble-dollar, dollar-baht. Yes, this is how the bank works - any currency is tied to the leader. In our case - to the dollar.

Due to the instability of the ruble, during the day, any of the pairs can "jump". And not in your favor.

In total, while you are packing for vacation, the ruble can be beneficial for exchange in Thailand. Upon arrival, a completely different picture is quite likely.

In addition, it is much more difficult to find an exchanger who wants to buy rubles at a good rate. Again, when compared with the bucks.

Where to see the current exchange rates in Thailand

The most plausible and up-to-date information can be found on the websites of Thai banks:

Bangkok Bank
Krungthai Bank
Siam Commercial Bank

Interested in the most up-to-date rate in Thai exchangers and the location of profitable points?

What dollars and currencies are not accepted in Thailand

dollars

It is almost certain that you will be denied the exchange of banknotes issued before 1996. This is due to the fact that the dollars of these years were very often counterfeited. In order not to get into trouble, in most cases, Thais simply refuse to take such banknotes.

You do not need to worry and frantically check the year of issue if the American money was bought officially, in trusted institutions. Most likely, all banknotes will pass the Thai detector.

Euro

With the acceptance of the euro in Thailand - there will be no problems. Don't be afraid to change large banknotes like 500€. Thais are somewhat more loyal to the euro.

If you have cash left, and you decide to exchange the remaining baht for dollars in order to take them to Russia, pay attention to the external state of the money. Thais are very fond of punching a bill with a stapler, pinning a check for payment to them.

In a country where the currency "goes" in circulation, this will not be a problem. But in Russian banks - they may not be accepted.

Is it possible to pay with dollars without an exchange

The official currency of the country is the Thai baht. All shops, entertainment venues and points of sale accept only local cash. Most often, Thais reject any foreign currency due to the difficulty of exchange. The fact is that in all points, small bills are exchanged at a low rate.

Dollars can be handled by: Russian-speaking tour agencies and owners of large souvenir stalls or factories. Of course, the course will be formal and slightly understated, not in your favor.

Bottom line: so what currency and money to take to Thailand, so as not to miscalculate

Take on a trip the foreign currency that is on hand. If there is none, buy dollars;
Try to take only large bills. Small 1-20 - exchanged at a low rate;
Try not to take dollar bills older than 1996;
Do not waste time counting and looking for a few hundred "playing" with pairs: ruble-euro-bucks. Spend more time;
All euro banknotes, including 500€, can be returned without any problems at any exchanger.

Are there any other misunderstandings? Probably, there are solutions to them in the article: the most frequent questions regarding money in Thailand.

Finally, a modest but effective piece of advice. If you plan your vacation in advance, buy $100-200 monthly. This approach will allow you to accumulate the necessary amount required for the rest without noticing the budget. Make preparing for your vacation more relaxed and effortless. And also, you won’t have to worry about what money to take to Thailand and on what day it is most profitable to change it. Everything is prepared in advance!

With what currency to go to Thailand to rest? We will tell you what money to take with you on a trip so as not to lose a serious amount on the exchange.

What is the currency in Thailand: Thai baht (THB).

What is better to leave at home

Let's start with what currency is better not to take at all. These are our native Russian rubles. The fact is that the Russian economy has slumped a lot. The ruble exchange rate is very unstable in relation to other currencies. So it is possible that during your vacation the exchange rate of the ruble / baht will fluctuate greatly, creating additional hassle. There will be no such situation with the exchange of other currencies. There the situation is more predictable.

There are two more reasons why you should not take rubles with you:

For obvious reasons, there are fewer exchangers with the Russian currency than with the dollar and the euro.
The course in these exchangers is objectively not the most profitable. The owners understand that they are taking a big risk by contacting the ruble and increase their commission.

You can find out the baht to ruble exchange rate today with the help of this calculator.

What money to take with you

The choice is simple: dollars or euros. Moreover, the dollar is a priority, since this currency enjoys great confidence among local residents.

It may seem strange, but the exchange rate for banknotes of different denominations is different. Therefore, take banknotes of 50-100 dollars with you on a trip. Their exchange is the most profitable.

An important point: it is better to take more cash with you and not rely heavily on a bank card. For the reason that not everywhere else in Asia they accept cards. Yes, and cashing out money on a trip can be a luxury (a lot of commissions). And remember that when paying with a card in a store, you automatically transfer your money at the rate of the bank at the time of purchase. This is also not always beneficial.

Phuket or Pattaya -
Where in Thailand

And here is a video with small financial calculations on the topic of the article.

Before going on vacation, many tourists think about what currency to take to thailand. To do this, you need to be puzzled in advance by existing methods. Then your vacation will take place in a calm atmosphere and you will not have to puzzle over the problem of exchanging money.

There is no need to worry about the size of the amount of cash imported through. Unless, of course, these are some gigantic amounts of money. When importing not too much money, you will only need to fill out a declaration without any financial difficulties.

Baht - Thai baht - denoted "THB"

The local currency is called - baht. In this case, the well-known principle does not work well, that you need to take on a trip abroad the currency that is in circulation in the country of your stay. Of course, you can exchange rubles for baht. There are exchange offices in Moscow that carry out this operation, but baht is not always there. Therefore, you risk spending a lot of time on such an exchange. Yes, and changing the amount you need will not be so easy.

And we must immediately make a reservation that when exchanging rubles for baht in our country, you will lose a substantial amount, so it is best not to take this currency with you to Thailand. Unless you have them from a previous trip.

Rubles

Rubles are also better not to take with you to Thailand. Of course, you will be able to change them, as in some other countries, but there are not so many exchange options, and most importantly, you will seriously lose on this. Exchangers for Russian currency are available only at airports (for example, in), as well as at large resorts. But, of course, the exchange rate, due to limited demand, will be simply predatory.

There is another option for exchanging rubles for baht. Ask to change your guide, but here you should first doubt his decency. And the likelihood that he will agree is not so great.

If you do not have time to exchange rubles for dollars or euros before the flight, then you will have to take them with you and look for them.

Euro

Euro can be exchanged for baht at any time and anywhere in Thailand. This operation is carried out in specialized exchangers, as well as in banks. Ordinary Thai banks work only on weekdays and close early, but this is not scary. In any shopping center or hypermarket, bank branches are open until late in the evening. If you have a personal account in Euro in Russia, then you should not exchange them for dollars: you can lose more when converting.

dollars

If you want to take dollars to Thailand, then you will be offered the best exchange rate for this currency, it is even more profitable than the euro.

Also remember that old banknotes are not held in high esteem in Thailand, regardless of their denomination. This is due to the fact that at one time here and in other countries there was a wave of fakes. In Thailand, they have not forgotten about this, so even local banks often refuse to exchange old dollars. This can happen even in the most reputable banks. Therefore, we advise you to check the year of issue of dollar bills.

Here we have helped you to solve the problem, what money to take with you to thailand and of all the options, dollars turned out to be the most preferable.

The national currency of Thailand is the baht, officially it is designated THB. One baht consists of 100 satang. You can only pay in Thailand with baht, the only exceptions are Duty Free shops at the airport (they accept dollars and euros). Therefore, upon arriving in the Kingdom, you will have to change money or withdraw from the card in local currency. Otherwise you won't be able to buy anything.

Thai money is divided into denominations of 20, 50, 100, 500, 1000 baht and coins - 25, 50 satang and 1, 2, 5, 10 baht.

On the front side of any bill you will see the same image of the King of Thailand, Rama IX. The reverse side has a unique pattern. On the front side in the upper right corner it is written in Arabic numerals, what value each bill has. All bills are different in color, so they are easy to remember.

The coins of Thailand differ in size and color. To date, there are only coins in denominations of 25 and 50 satangs of brown color, while the rest of the coins of a larger denomination are 1,2,5 and 10 baht. Their color can be golden or silver.

In Thailand, it is considered an insult to be careless with money. Banknotes cannot be crushed, walked on them with their feet, draw on them, and so on. This is perceived as disrespect for the king himself, and criminal liability is even provided for this.

Thai baht exchange rate

In 2017, the Thai baht exchange rate is set at the following equivalent:

1 USD = 35.05 THB;
1 EUR = 37.35 THB;
1 USD = 0.59 THB.

1THB = 0.028 USD;
1THB = 0.026 EUR;
1THB = 1.69 RUB.

In exchangers in Thailand, the exchange rate may differ slightly, as banks charge a commission.

What money to take with you?

The rest of the money is best kept on the card. The bank card must have an international format. What currency your card is in does not matter much, so you can withdraw money only in baht, and money conversion is carried out by your payment system (visa, mastercard) and your bank in your home country. Therefore, if you receive income in rubles, then take a ruble card. It makes no sense to change rubles for dollars and put them on the card.

I have a separate article where I wrote,. I advise you to read it. There I described in detail how currency is exchanged when withdrawing cash from a card.

How much money to take?

Thailand is a relatively inexpensive country, so your costs will not be too high. Of course, we are all different, we have different needs and financial possibilities. From my experience, I can say that if you are traveling on a tour package for 2 weeks or less, then it is enough to take $ 1,000 per person. This amount will be enough to have a bite to eat in a cafe, travel on excursions, visit various entertainments at your resort, buy souvenirs, clothes, products.

As for me, I go to Thailand on my own and pledge 1000 dollars for one month. This amount includes housing rent ($300-400), motorbike ($100), food, gasoline, mobile communications, clothes, souvenirs and entertainment. I rarely go on tours. This amount is enough for me. Although I know quite a few guys who manage to live on $500 in Thailand.

To better understand how much money to take to Thailand, I recommend reading my article, where I painted the main cost items.

How to withdraw money from the card?

You can cash out money in Thailand at a bank or ATM. The easiest way to do this is at an ATM, as they are everywhere and work around the clock. For withdrawing money, the ATM takes a fixed commission of about 200 baht. Therefore, it is more profitable to withdraw a large amount once than to do it many times and pay a commission for each operation. But please note that each ATM has a maximum amount for withdrawal - 20-30 thousand baht, you cannot withdraw more than this amount.

You can also withdraw money from the bank itself. There are quite a lot of them in Thailand and they differ in color. Many tourists prefer to withdraw money from a bank, as some of them do not charge a commission, unlike ATMs. I will not name which specific banks do not charge a commission, since the rules are constantly changing. It’s better to go around several banks yourself and ask to withdraw money from the card without a commission, then you will know for sure. First of all, I advise you to look at Krungsri Bank (yellow) and Bangkok Bank (blue). To withdraw money from a bank, you must present your passport, and the card must be international and your name must be written on it.

Read more about that in my separate article.

How to change money?

In all tourist cities there are a large number of exchangers. You can also exchange currency at the bank. The rate in different banks may differ, but not by much. The most unfavorable exchange rate is at the airport, so I do not advise changing money there. To exchange currency, some banks ask you to show your passport.

An interesting feature is that the exchange rate for dollars in Thailand is set depending on the denomination of the bill. The most favorable rate is for banknotes with a face value of 50 and 100 dollars. Therefore, if you take cash dollars to Thailand, change them for large bills.

Arriving in Thailand, keep cash, cards and other valuables in a safe. Most hotels provide this option. Do not carry large sums of money with you. Despite the fact that Thailand is a religious country, there are cases of theft here too.