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Thailand (TH)

Thailand is one of the world’s largest expat hubs, combining Bangkok’s regional business ecosystem, Chiang Mai’s remote-worker scene, Phuket and Pattaya’s retirement and tourism communities, and strong international schools and hospitals.

Capital: Bangkok
Region: Asia
Language: Thai
Currency: THB (฿)
Cost of living: Very affordable (index 35)
Emergency: 191
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Currency & Money

Practical money tips for living in Thailand.

฿
Thai baht
THB

Denominations

Notes: 20, 50, 100, 500, 1000 baht. Coins: 1, 2, 5, 10 baht plus satang coins rarely used by expats.

Payment Culture

Thailand is mixed cash and QR-payment culture. PromptPay QR is everywhere, cards work in malls and chains, but cash remains useful for taxis, markets, street food, temples, small clinics, and rural areas.

ATM Tips

Thai ATMs commonly charge foreign-card withdrawal fees around THB 220 per transaction. Use bank-branch ATMs, withdraw larger amounts safely, and keep a Thai bank account if staying long term.

Exchange Tips

Specialist exchange booths in Bangkok, Pattaya, Chiang Mai, and Phuket often beat airport rates. Keep bank records for large transfers, property leases, visa financial proof, and tax questions.

Pro tip: Best apps for expats

  • • Wise — Send money internationally at near-interbank rates
  • • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
  • • N26 — German IBAN, free account, good for EU residents