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Foreign Notes, Drafts & Travelers’ Cheques

Buy/sell Foreign Notes

We buy/sell foreign notes in 29 currencies as follows:

Advance orders available at these Bank branches: Bangkok, Chiang Rai, Chiang Mai, Phitsanulok, Tak, Chonburi, Phra Nakhon Si Ayutthaya, Hua Hin, Nakhon Ratchasima, Khon Kaen, Udon Thani, Phuket, and Koh Samui

For branches in Bangkok, please place your order 1 business day prior to the date you wish to pick up the foreign notes.
For branches in provincial areas, please place your order 2-3 business days prior to the date you wish to pick up the foreign notes.
The Bank reserves the right to change conditions without prior notice.
You can pick up the foreign notes at the branch you place the order with, during the branch’s working hours.
The Bank reserves the right to provide you appropriate mixed denomination of banknotes.
The exchange rate applied is the rate at the time you pick up the foreign notes at the branch.

Buy/sell Draft

We buy drafts in 10 currencies as follows:

We sell drafts in 7 currencies as follows:

Buy Travelers’ Cheques

We buy travelers' cheques in 6 currencies as follows:

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หนังสือแจ้งการคุ้มครองข้อมูลส่วนบุคคล (Privacy Notice) สำหรับบุคลากรของธนาคารกรุงเทพ จำกัด (มหาชน)

ธนาคารกรุงเทพ จำกัด (มหาชน) (“ธนาคาร”) ให้ความสำคัญในการคุ้มครองข้อมูลส่วนบุคคลของท่านและการปฏิบัติตามกฎหมายและกฎเกณฑ์ที่เกี่ยวข้อง ธนาคารจึงจัดทำหนังสือนี้ เพื่อแจ้งให้ท่านทราบถึงการคุ้มครองข้อมูลส่วนบุคคลและสิทธิของเจ้าของข้อมูลส่วนบุคคล

1. ข้อมูลส่วนบุคคลของเจ้าของข้อมูลส่วนบุคคลที่ธนาคารจะนำมาเก็บรวบรวมและใช้ ประกอบด้วย

1.1.ข้อมูลที่สามารถระบุตัวตนท่านได้ ไม่ว่าทางตรง หรือ ทางอ้อม (1) ข้อมูลส่วนตัว ได้แก่ ชื่อ-นามสกุล เพศ วันเดือนปีเกิด ส่วนสูง น้ำหนัก ข้อมูลบนบัตรประจำตัวประชาชนหรือหนังสือเดินทาง เลขประจำตัวพนักงาน ข้อมูลบนบัตรประกันสังคม เลขประจำตัวผู้เสียภาษีอากร ข้อมูลบนทะเบียนบ้าน รูปถ่ายใบหน้า สัญชาติ ลายมือชื่อ ข้อมูลเกี่ยวกับการเข้าออกประเทศ ประวัติการศึกษา ข้อมูลเกี่ยวกับการทำงาน สถานภาพ สมาชิกภาพ ใบอนุญาตต่าง ๆ เช่น ใบอนุญาตทำงาน ใบอนุญาตขับขี่รถยนต์ ใบอนุญาตในการประกอบอาชีพ (2) ข้อมูลเกี่ยวกับการเงินและการทำธุรกรรม ได้แก่ รายได้ หมายเลขบัญชีเงินฝากที่ใช้สำหรับรับค่าจ้าง หมายเลขบัตรเครดิต ข้อมูลเกี่ยวกับการทำประกันผ่านธนาคาร ข้อมูลเกี่ยวกับทรัพย์สิน ความสามารถในการลงทุน ข้อมูลเกี่ยวกับการกระทำหรือถูกกล่าวหาว่ากระทำความผิด การถูกดำเนินคดี การถูกบังคับคดี ข้อมูลเกี่ยวกับการขอใช้สินเชื่อสวัสดิการต่าง ๆ การวิเคราะห์ความเสี่ยงและความสามารถในการชำระหนี้ ข้อมูลการชำระหนี้ ข้อมูลเกี่ยวกับทรัพย์สิน ข้อมูลเกี่ยวกับการหักบัญชีสำหรับรับค่าจ้างเพื่อชำระหนี้ตามคำสั่งหรือคำพิพากษาของศาลหรือหน่วยงานของรัฐ ข้อมูลเกี่ยวกับการเป็นสมาชิกหรือการถือหน่วยลงทุนหรือการดำเนินการใด ๆ กับกองทุน สมาคม องค์กร ชมรม มูลนิธิ (3) ข้อมูลติดต่อ ได้แก่ ที่อยู่ไปรษณีย์อิเล็กทรอนิกส์ (E-mail Address) หมายเลขโทรศัพท์ และข้อมูลผู้ติดต่อที่ท่านให้ไว้กับธนาคาร ชื่อหรือบัญชีสำหรับการใช้งานผ่านแอปพลิเคชันหรือช่องทางดิจิทัล เช่น ไลน์ กูเกิล เฟซบุ๊ก ยูทูป ทวิตเตอร์ วอทส์-แอป หรือวีแชท (4) ข้อมูลการปฏิบัติงานและการใช้งาน ได้แก่ ชื่อหรือรหัสสำหรับการใช้บริการ (Username) รหัสผ่านสำหรับการใช้บริการ (Password) ข้อมูลเกี่ยวกับการค้นหา สถิติการเข้าดู ระยะเวลาการใช้งานผ่านอุปกรณ์อิเล็กทรอนิกส์ แพลตฟอร์ม แอปพลิเคชัน เวลาที่คลิกครั้งสุดท้าย (Timestamp of last click) รายการโปรด ข้อมูลถามตอบ ข้อมูลจราจรคอมพิวเตอร์ (Log File) ข้อมูลการสื่อสาร ข้อมูลจากการติดต่อผ่านโทรศัพท์ ช่องทางอิเล็กทรอนิกส์ สื่อสังคมออนไลน์ ข้อมูลจากกล้องวงจรปิด (CCTV) ทั้งในรูปแบบ เทปบันทึกเสียงหรือบันทึกการทำรายการ ภาพถ่ายหรือภาพเคลื่อนไหว (5) ข้อมูลทางเทคนิค ได้แก่ หมายเลขอินเทอร์เน็ตโพรโทคอล (IP Address) ล็อก (Log)รหัสอุปกรณ์ (Device ID) ประเภทและเวอร์ชันของปลั๊กอิน เบราว์เซอร์ ระบบปฏิบัติการและแพลตฟอร์มระบบอินเทอร์เน็ตหรือเครือข่ายโทรศัพท์มือถือ ข้อมูลตำแหน่งที่ตั้งทางภูมิศาสตร์ ข้อมูลการตั้งค่าในอุปกรณ์ และข้อมูลทางเทคนิคอื่นๆ จากการใช้งานบนแพลตฟอร์ม แอปพลิเคชันและระบบปฏิบัติการของธนาคาร (6) ข้อมูลเกี่ยวกับพฤติกรรม ได้แก่ ข้อมูลเกี่ยวกับความสนใจ หรือความชื่นชอบส่วนตัว ลักษณะการใช้บริการ และข้อมูลที่ได้รับจากการใช้บริการ

1.2 ข้อมูลส่วนบุคคลที่เป็นข้อมูลอ่อนไหว ซึ่งธนาคารต้องได้รับความยินยอมจากเจ้าของข้อมูลก่อนจึงจะเก็บรวบรวมได้ ได้แก่ ข้อมูลเกี่ยวกับเชื้อชาติ ศาสนา ประวัติอาชญากรรรม ข้อมูลสุขภาพ ความพิการ ข้อมูลสหภาพแรงงาน ข้อมูลพันธุกรรม ข้อมูลชีวภาพ หรือข้อมูลอื่นใดตามที่คณะกรรมการคุ้มครองข้อมูล ส่วนบุคคลประกาศกำหนด

2. วัตถุประสงค์ในการเก็บรวบรวม ใช้ และ เปิดเผย ข้อมูลส่วนบุคคลของท่าน

Taking Money in and out of Thailand: A Guide to the Rules

Various regulations govern the transportation of cash into and out of Thailand, depending on whether you're dealing with a foreign currency or the Thai Baht.

While these regulations are clearly outlined, few travellers bother to check, and some end up falling foul of the law.

If you're planning a visit to Thailand in the near future, refer to this guide to understand how these money control regulations affect you.

——

Oh, and while I remember, don't forget to put travel insurance on your to-do list! I use SafetyWing , and so do many of my readers.

They offer affordable, global travel medical insurance, making the cover a go-to choice for tourists and long-term travellers seeking peace of mind in case of an unfortunate event.

The Reasons Behind Currency Control

Countries such as Thailand limit the amount of currency you can bring in primarily to regulate financial flows and prevent illicit activities. Here are some reasons why such limits are imposed:

Prevention of Money Laundering: Limiting the amount of currency that can be brought into a country helps authorities track and monitor financial transactions. It reduces the risk of criminals laundering money obtained through illegal activities.
Control of Terrorist Financing: Currency controls assist in preventing funds from being used to finance terrorist activities. By restricting large cash imports, governments aim to disrupt the flow of funds to terrorist organizations.
Stability of Exchange Rates: Allowing unrestricted inflows of foreign currency can lead to volatility in exchange rates, which can adversely affect the economy. Currency limits help stabilize exchange rates by regulating the amount of foreign currency entering the country.
Protection of Domestic Economy: Limiting cash imports protects the domestic economy from external shocks. Excessive inflows of foreign currency can distort local markets and lead to economic imbalances.
Tax Enforcement: Currency controls aid in tax enforcement by ensuring that individuals declare their assets accurately. They help prevent tax evasion and ensure compliance with tax laws.

Bringing Money into Thailand

According to Thai customs regulations, travellers can bring up to $20,000 or its equivalent into the country without prior declaration.

Travellers carrying amounts exceeding the stipulated limit must report to customs officers upon arrival and complete a declaration form. Failure to comply constitutes a criminal offense, underscoring the importance of adhering to regulations.

You can access comprehensive information on customs regulations in Thailand by visiting the Thai Customs Board website .

Declaring Your Cash at the Border

It's important to highlight that the official declaration form mandates reporting amounts exceeding $15,000. If you're transporting funds surpassing this threshold, whether entering or exiting Thailand, it's advisable to consult with a Border Guard to verify compliance with the regulations.

You must provide supplementary details and respond to inquiries regarding the cash you're carrying, including its origin, purpose, and destination.

Penalties for Violations

Failing to declare excess cash upon entry is considered a criminal offense in Thailand and may result in confiscation, fines, or even imprisonment. Understanding what constitutes ‘cash' is crucial, as it encompasses various forms of negotiable monetary instruments beyond physical currency.

Some of these include:

Promissory Notes: Written promises to pay a specified sum of money to a designated party at a specified date or upon demand.
Bills of Exchange: Written orders directing one party to pay a specified sum of money to another party either immediately or at a future date.
Bankers' Drafts: Also known as cashier's checks or banker's checks, these are checks drawn by a bank on its own funds and signed by one of its officers
Money Orders: A payment order for a pre-specified amount of money, usually issued and payable at a post office or bank.
Cheques: Written orders from an account holder to their bank, instructing the bank to pay a specified sum of money to a designated recipient.
Travellers' Cheques: Pre-printed, fixed-amount cheques designed to allow the person signing them to make payments to a third party on demand.

These forms of negotiable monetary instruments are considered ‘cash' because they can easily be converted into physical currency or deposited into bank accounts, making them susceptible to misuse or illicit activities if not properly regulated. Therefore, they are subject to the same currency regulations and declarations as physical currency when crossing international borders.

Taking Money out of Thailand

Regulations for outbound currency differ based on whether you're carrying foreign currency or Thai Baht. While up to $20,000 (USD) in foreign currency is permissible, restrictions apply when transporting Thai Baht.

If departing Thailand with Thai currency, you're limited to THB 50,000, roughly equivalent to USD 1,500. However, if traveling to neighboring countries like Cambodia, Laos, Myanmar, Malaysia, Vietnam, or the Yunnan province of China, the regulations are slightly relaxed. In such instances, you're permitted to carry up to THB 2,000,000. Nonetheless, if you intend to transport more than THB 450,000 to these destinations, you must declare it to Thai Customs Authorities.

NB: the requirements for additional paperwork upon arrival at your destination may vary depending on your travel itinerary. For instance, if departing Thailand and traveling to Europe with an amount exceeding approximately €10,000, you'll likely need to complete another declaration upon reaching your European destination. However, the specific process can differ from country to country. It's essential to familiarize yourself with all relevant laws and regulations before embarking on your journey to ensure compliance.

Exchanging Currency and Avoiding Fees

Carrying excessive cash is unnecessary and cumbersome. Not only is it inconvenient, but it can also pose safety risks. While most visits to Thailand are trouble-free, lugging around a bundle of cash can make you a target for thieves, especially if you're jet-lagged from your flight or distracted by sightseeing. Opting for ATMs to withdraw money as needed during your trip can help alleviate unnecessary stress.

Furthermore, relying on cash for your expenses can lead to challenges with exchange rates upon arrival in Thailand. Often, the most convenient exchange offices, such as those at airports or hotels, offer unfavorable rates. This leaves you with a dilemma: either spend valuable holiday time searching for better rates or settle for overpriced currency exchange at a convenient location.

My recommended solution is this:

If you or a friend/partner have a Thai bank account, using Wise, you can transfer funds from your home bank account to the Thai bank account and get the same exchange rate that banks use amongst themselves.

Doing it this way will mean you always receive the best available exchange rate for any currency exchange, with just a small, upfront fee for the transfer. Once your funds are converted to Thai Baht, you can easily withdraw them from ATMs whenever needed, bypassing the fees charged for withdrawing with a foreign bank card, and avoiding the markup fee charged by exchange offices.

+ Check out Wise here

For expats residing in Thailand, or for frequent travelers, you can open a Wise multi-currency account. This account enables you to hold your funds in multiple currencies simultaneously, providing a comprehensive overview of your account balance. With this account, you can effortlessly move your funds between currencies whenever necessary, ensuring you always receive the best exchange rate without any hidden fees.

Key Takeaways Summary

Here is a bulleted list of all the important points we have covered in this article:

Currency controls serve various purposes, including preventing money laundering, terrorist financing, and maintaining exchange rate stability.
Travellers to Thailand can bring up to $20,000 or its equivalent without prior declaration, but exceeding this limit requires reporting to customs officers.
Declarations for cash exceeding $15,000 are mandatory, emphasizing the importance of understanding regulations and seeking guidance from Border Guards if needed.
Failure to declare excess cash is a criminal offense in Thailand and may result in severe penalties, including confiscation.
‘Cash' encompasses various negotiable monetary instruments, including promissory notes, bills of exchange, and travellers' cheques.
Outbound currency restrictions differ based on foreign currency or Thai Baht, with allowances for specific bordering countries.
Excessive cash carrying is cumbersome and risky, prompting the use of ATMs for on-demand withdrawals and avoiding unfavorable exchange rates at convenient locations.
Having access to a Thai bank account and conducting transfers via Wise is the best way to avoid fees.

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Last Updated on May 28, 2024

Comments Sort by : newest | oldest

Aaron Davies says

April 25, 2024 at 1:13 pm

Apr 25, 2024 at 1:13 pm

TheThailandLife says

April 25, 2024 at 4:15 pm

Apr 25, 2024 at 4:15 pm

Graham says

April 24, 2024 at 8:26 am

Apr 24, 2024 at 8:26 am

April 24, 2024 at 5:27 pm

Apr 24, 2024 at 5:27 pm

เช็คเดินทางได้รับการสนับสนุนโดยอเมริกัน เอ็กซ์เพรส

เช็คเดินทางของพวกเราได้ให้ความช่วยเหลือนักท่องเที่ยวในการปกป้องเงินของพวกเขามามากกว่าหนึ่งร้อยปีแล้ว หากเช็คเดินทางสูญหายหรือถูกขโมย จะสามารถรับเงินคืนได้ (มีข้อตกลง เงื่อนไขและข้อจำกัดบังคับใช้ จำเป็นต้องใช้บัตรประจำตัวและหลักฐานการซื้อ)

เช็คเดินทางไม่มีวันหมดอายุ

เช็คเดินทางที่ยังไม่ได้ใช้งานสามารถนำไปใช้ในการเดินทางครั้งถัดไปหรือแลกเป็นเงินสดได้

แลกเช็คเดินทางของคุณเป็นเงินสด

1. แลกเช็คเดินทางของคุณกับ American Express Travel Related Services Company, Inc

คุณสามารถติดต่อศูนย์บริการลูกค้าของอเมริกัน เอ็กซ์เพรสได้ที่ ( 001-800-441-0193 ) เพื่อลงทะเบียนขอแลกเช็คคืน (1) คุณสามารถค้นหา หมายเลขติดต่อ เพิ่มเติมได้ จากตำแหน่งของคุณ

2. แลกเช็คเดินทางของคุณเป็นเงินสด

ธนาคารบางแห่งอนุญาตให้เจ้าของบัญชีฝากเช็คเดินทางได้ รวมถึง เช็คเดินทางที่ใช้สกุลเงินต่างประเทศในบัญชีธนาคารของพวกเขา โปรดตรวจสอบกับธนาคารว่าสามารถฝากเช็คเดินทางได้หรือไม่ (อาจมีค่าธรรมเนียมการชำระราคาและส่งมอบหลักทรัพย์)

3. แลกเช็คเดินทางของคุณเป็นสกุลเงินท้องถิ่น

เช็คเดินทางสามาารถใช้ได้นับพันแห่งทั่วโลก (อาจมีค่าธรรมเนียมในการแลกเปลี่ยน) คลิกข้างล่างเพื่อหาสาขาใกล้ตัวคุณ (2)

(1) ปกติแล้ว กระบวนการตรวจสอบคำร้องและการชำระเงินคืนสามารถดำเนินการแล้วเสร็จภายใน 5 วันทำการ อย่างไรก็ตาม หากต้องใช้เอกสารเพื่อดำเนินการตรวจสอบคำร้อง กระบวนการตรวจสอบและการชำระเงินคืนอาจใช้เวลาถึง 30 วันนับจากวันที่เราได้รับเอกสาร บริการการขึ้นเงินเช็คเดินทางให้บริการโดย American Express Travel Related Services Company, Inc

(2) เราขอแนะนำให้คุณโทรศัพท์ไปยังสาขาก่อนการเดินทาง และยืนยันค่าธรรมเนียม วงเงินจำกัด ข้อจำกัด อัตราแลกเปลี่ยนและความพร้อมของสถานที่เช็คเดินทาง

ขอคืนเงินได้ในกรณีสูญหายหรือ

บริการลูกค้า

ทุกวัน 24 ชั่วโมง

ยอมรับโดยสถานที่ต่างๆ นับพันแห่งทั่วโลก

ไม่มีวันหมดอายุ

ศูนย์บริการเช็คเดินทาง

ขอรับความช่วยเหลือและสอบถามข้อมูลทั่วไปเกี่ยวกับเช็คเดินทาง

วิธีใช้เช็คเดินทาง

เมื่อได้รับเช็คเดินทางแล้วให้ลงลายมือชื่อที่บรรทัดลายมือชื่อบรรทัดบนทันทีเพื่อความปลอดภัยในกรณีที่เช็คสูญหายหรือถูกโจรกรรม

2. จดบันทึก

จดบันทึกหมายเลขลำดับ (serial number) ของเช็คเดินทางแล้วพกติดตัวไปด้วยในระหว่างเดินทางโดยแยกไว้ต่างหากจากเช็คเดินทาง

3. ดูแลความปลอดภัย

เก็บรักษาเช็คเดินทางเสมือนเป็นเงินสด

หากต้องการนำเช็คเดินทางไปขึ้นเงิน ให้ลงลายมือชื่อที่บรรทัดลายมือชื่อบรรทัดล่างในเช็คเดินทางต่อหน้าผู้รับเช็ค

หากเช็คเดินทางสูญหายหรือถูกขโมย

เช็คเดินทางของอเมริกัน เอ็กซ์เพรสมีความปลอดภัยและช่วยป้องกันความเสี่ยง กรณีเช็คสูญหายหรือถูกขโมย คุณอาจขอรับเงินคืนได้*

จะทำอย่างไรหากเช็คสูญหายหรือถูกขโมย

1. เตรียมหมายเลขลำดับของเช็คเดินทาง

เตรียมหมายเลขลำดับของเช็คที่สูญหายหรือถูกขโมยให้พร้อมก่อนจะโทรศัพท์

2. แจ้งเหตุทางโทรศัพท์

คุญสามารถติดต่อศูนย์บริการลูกค้าเช็คเดินทางของอเมริกัน เอ็กซ์เพรสได้ที่ ( 001-800-441-0193 ) หรือค้นหา หมายเลขติดต่อ จากตำแหน่งปัจจุบันของคุณโดยเร็วที่สุดเพื่อรายงานการสูญหายและขอคืนเงิน ศูนย์ให้บริการรับคำร้องเรียนทุกวันตลอด 24 ชั่วโมง

3. รับเงินคืน

หากคำขอคืนเงินได้รับการอนุมัติ เราจะช่วยแนะนำวิธีที่ดีที่สุดในการขอรับเงินคืน

*เป็นไปตามข้อกำหนด เงื่อนไข และข้อจำกัดต่างๆ ต้องใช้เอกสารระบุตัวตนและหลักฐานการซื้อเช็คเดินทาง

คำถามที่พบบ่อย

เหตุใดเช็คเดินทางจึงเป็นตัวเลือกที่ปลอดภัยและช่วยป้องกันความเสี่ยง

เช็คเดินทางเป็นตัวเลือกที่ปลอดภัยและช่วยป้องกันความเสี่ยงเนื่องจากสามารถขอรับเงินคืนได้ในกรณีที่เช็คสูญหายหรือถูกขโมย

ต้องลงชื่อในเช็คเดินทางตรงที่ใดได้บ้าง

โปรดลงชื่อที่บรรทัดลายมือชื่อบรรทัดบนทันทีหลังจากซื้อเช็ค

สามารถนำเช็คเดินทางไปใช้ที่ใดบ้าง

คุณนำเช็คเดินทางของอเมริกัน เอ็กซ์เพรสไปแลกเปลี่ยนเป็นสกุลเงินท้องถิ่นได้ที่เครือข่ายรับแลกเปลี่ยนเงินตราจำนวนหลายพันแห่งทั่วโลก คลิกที่นี่ เพื่อค้นหาสถานที่สำหรับนำเช็คเดินทางไปขึ้นเงิน

นอกจากนี้คุณยังอาจนำเช็คเดินทางไปใช้ซื้อสินค้าและบริการได้โดยตรงด้วย ทั้งนี้โปรดตรวจสอบกับสถานธุรกิจก่อน

นำเช็คเดินทางไปขึ้นเงินกับอเมริกัน เอ็กซ์เพรสได้โดยตรงหรือไม่

หากคุณไม่พบหรือไม่สามารถไปยังจุดขึ้นเงินที่ใกล้ที่สุดเพื่อแลกเช็คเดินทางเป็นเงินสดได้ โปรดติดต่อศูนย์บริการลูกค้าที่หมายเลข ( 001-800-441-0193 ) หรือค้นหา หมายเลขติดต่อ จากตำแหน่งปัจจุบันของคุณ การแลกเช็คเดินทางของคุณเป็นเงินสดโดยตรงกับอเมริกัน เอ็กซ์เพรสอาจใช้ระยะเวลานานกว่า 30 วัน ขึ้นอยู่กับสถานการณ์ในช่วงที่ยื่นคำร้องมา อาจมีข้อจำกัดเกี่ยวกับสกุลเงินและวิธีการแลกและมูลค่าของเช็คเดินทางที่สามารถแลกได้โดยตรง

จะนำเช็คเดินทางไปขึ้นเงินสดได้อย่างไร

เพียงแสดงเช็คเดินทางที่สำนักงานแลกเปลี่ยนเงินตราหรือร้านค้าโปรดลงชื่อที่บรรทัดลายมือชื่อบรรทัดล่างของเช็คเดินทางต่อหน้าผู้รับเช็คทั้งนี้อาจต้องใช้เอกสารระบุตัวตนที่มีรูปถ่าย โปรดเก็บใบเสร็จรับเงินตัวจริงที่ได้รับเมื่อซื้อเช็คเดินทางไว้และนำติดตัวไปด้วยขณะเดินทางอาจมีค่าธรรมเนียมการดำเนินการซึ่งอาจแตกต่างกันไปในแต่ละประเทศและผู้ให้บริการ การแลกเปลี่ยนเงินตราอาจมีการจำกัดจำนวนเงินตามกฎระเบียบและนโยบายการแลกเปลี่ยนเงินตราในท้องที่

หากลงชื่อในเช็คเดินทางผิดตำแหน่งหรือลายมือชื่อไม่เหมือนกัน จะเกิดอะไรขึ้น

ผู้รับเช็คเดินทางจะยอมรับเช็คก็ต่อเมื่อลูกค้าลงชื่อต่อหน้า โดยลงชื่อที่บรรทัดลายมือชื่อบรรทัดล่าง และได้มีการเปรียบเทียบลายมือชื่อดังกล่าวกับลายมือชื่อเดิมบนบรรทัดด้านบน โดยผู้รับเช็คจะต้องสังเกตการณ์ในขณะที่ลูกค้าลงชื่อในเช็คดังกล่าว จะมีการรับเช็คก็ต่อเมื่อลายมือชื่อทั้งสองบรรทัดถูกต้องตรงกันเท่านั้น ผู้รับเช็คอาจขอให้แสดงเอกสารระบุตัวตนที่มีรูปถ่าย หากผู้รับเช็คเกิดความไม่แน่ใจ สามารถติดต่อศูนย์บริการลูกค้าเช็คเดินทางของอเมริกัน เอ็กซ์เพรสได้

การนำเช็คเดินทางไปขึ้นเงินสดต้องเสียค่าธรรมเนียมหรือไม่

อาจมีค่าธรรมเนียมการดำเนินการซึ่งอาจแตกต่างกันไปในแต่ละประเทศและผู้ให้บริการ ก่อนเดินทาง กรุณา คลิกที่นี่ เพื่อค้นหาสถานที่ขึ้นเงินเช็คเดินทางที่สะดวกที่สุด ตลอดจนข้อมูลเกี่ยวกับค่าธรรมเนียมต่างๆ

เช็คเดินทางมีวันหมดอายุหรือไม่

เช็คเดินทางไม่มีวันหมดอายุ คุณจึงนำเช็คเดินทางที่ยังไม่ได้ขึ้นเงินไปใช้ในการเดินทางครั้งต่อๆ ไปได้

กรณีที่เจ้าของเช็คเดินทางเสียชีวิตควรทำอย่างไรกับเช็คเดินทางที่ยังไม่ได้ขึ้นเงิน

สามารถขอคืนเงินสำหรับเช็คเดินทางที่ไม่ได้ใช้ให้ญาติสนิทหรือผู้รับผลประโยชน์ได้ กรุณาโทรติดต่อฝ่ายบริการลูกค้าที่ ( 001-800-441-0193 ) หรือค้นหา หมายเลขติดต่อ สำหรับตำแหน่งปัจจุบันของคุณ

คุณอาจขอรับเงินคืนได้หากเช็คเดินทางสูญหายหรือถูกขโมย*

เช็คเดินทางที่สูญหาย หรือถูกขโมยอาจได้รับเงินได้ *โปรดติดต่อศูนย์บริการลูกค้าที่หมายเลข ( 001-800-441-0193 ) หรือค้นหา หมายเลขติดต่อ ในตำแหน่งปัจจุบันของคุณ

หากคุณมีข้อสงสัยอื่นเกี่ยวกับเช็คเดินทาง โปรดติดต่อศูนย์บริการลูกค้าที่หมายเลข ( 001-800-441-0193 ) หรือค้นหา หมายเลขติดต่อ ในตำแหน่งปัจจุบันของคุณ

ข้อกำหนดและเงื่อนไข

ข้อกำหนดและเงื่อนไขในการขอรับเงินคืนกรณีเช็คเดินทางสูญหายหรือถูกขโมยมีดังต่อไปนี้

ข้อตกลงในการซื้อเช็คเดินทาง

ข้อมูลสำคัญ

โปรดอ่านข้อตกลงนี้อย่างละเอียด การซื้อ ลงชื่อ ยอมรับ หรือใช้เช็คเดินทางของอเมริกัน เอ็กซ์เพรส ® (“เช็ค”) เป็นการแสดงว่าคุณยอมรับข้อความทั้งหมดดังต่อไปนี้ คุณตกลงที่จะ (ก) ลงชื่อในเช็คที่มุมซ้ายบนโดยทันที (ข) ไม่นำเช็คไปขายต่อ ฝากขาย หรือกระทำการอื่นใดที่คล้ายกันเพื่อโอนเช็คไปให้บุคคล บริษัท หรือองค์กรอื่นใดโดยมีวัตถุประสงค์ในการขายต่อหรือนำเช็คไปใช้ใหม่

การขอรับเงินคืน

American Express Travel Related Services Company, Inc. (“Amexco”) จะออกเช็คให้ใหม่หรือคืนเงินตามที่ระบุไว้ในเช็คเดินทางที่สูญหายหรือถูกขโมยตามกฎหมายที่เกี่ยวข้อง หากคุณปฏิบัติตามข้อกำหนดทั้งหมดดังต่อไปนี้

ก่อนที่เช็คจะสูญหาย

คุณได้ลงชื่อที่มุมซ้ายบนของเช็คเดินทางดังกล่าวโดยใช้หมึกชนิดลบไม่ได้
คุณยังไม่ได้ลงชื่อที่มุมซ้ายล่างของเช็คดังกล่าว
คุณยังไม่ได้มอบเช็คให้บุคคลหรือบริษัทอื่นใดเป็นผู้ถือเช็ค หรือเป็นส่วนหนึ่งของการหลอกลวงให้ผู้อื่นเสียเงิน
คุณยังไม่ได้นำเช็คไปใช้ในทางที่ผิดกฎหมาย รวมถึงการใช้ในการพนันที่ผิดกฎหมาย การเสี่ยงโชค หรือการกระทำที่ต้องห้ามอื่นๆ
เช็คยังไม่ได้ถูกยึดตามคำสั่งศาลหรือโดยการดำเนินการของรัฐบาล
คุณปกป้องเช็คในลักษณะเดียวกับที่บุคคลผู้มีความรอบคอบจะปกป้องเงินสดจำนวนเดียวกันนี้

หลังจากที่เช็คสูญหาย

คุณแจ้ง Amexco ทันทีที่เช็คสูญหายหรือถูกโจรกรรม
คุณแจ้งข้อเท็จจริงทั้งหมดเกี่ยวกับการสูญหายหรือโจรกรรมให้ Amexco ทราบโดยเร็ว รวมถึงแจ้งตำรวจหากมีคำขอจาก Amexco
คุณแจ้งหมายเลขลำดับของเช็คที่สูญหายหรือถูกขโมย ตลอดจนสถานที่และวันที่ซื้อเช็คดังกล่าวให้ Amexco ทราบโดยเร็ว
คุณกรอกแบบฟอร์มขอคืนเงินของ Amexco และนำส่งหลักฐานแสดงตัวตนที่ยอมรับได้ให้แก่ Amexco โดยเร็ว
คุณให้ข้อมูลที่สมเหตุสมผลทั้งหมดแก่ Amexco และความช่วยเหลือในการตรวจสอบเรื่องการสูญหายหรือการโจรกรรมหากได้รับการร้องขอ
ทั้งนี้ Amexco ขอสงวนสิทธิ์ในการตรวจสอบเรื่องการสูญหายหรือการโจรกรรม และการตรวจสอบการปฏิบัติตามข้อตกลงการซื้อเช็คเดินทางฉบับนี้โดยจะไม่รับผิดชอบหากมีความล่าช้าเกิดขึ้นจากการตรวจสอบ
โปรดทราบว่า Amexco อาจตรวจสอบหรือบันทึกเสียงสนทนาเมื่อคุณโทรติดต่อเข้ามาเพื่อวัตถุประสงค์ในการควบคุมคุณภาพของบริการ และคุณยินยอมให้มีการตรวจสอบและบันทึกนี้

การระงับการดำเนินการชำระเงิน

Amexco ไม่สามารถระงับการชำระเงินสำหรับเช็คใดๆ ได้

โปรดลงชื่อที่มุมซ้ายบนของเช็คโดยทันที

หากยังต้องการความช่วยเหลือเพิ่มเติม

คุณสามารถติดต่อศูนย์บริการลูกค้าที่หมายเลข ( 001-800-441-0193 ) หรือสามารถค้นหาหมายเลขติดต่อเพิ่มเติมได้จากตำแหน่งของคุณ

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What Is a Traveler’s Check?

How It Works
Where to Get Traveler's Checks
Where to Cash Traveler's Checks
Pros and Cons
Alternatives to Traveler's Checks

The Bottom Line

Personal Finance

Traveler's Check: What It Is, How It's Used, Where to Buy

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

Investopedia / Eliana Rodgers

A traveler’s check (sometimes spelled "cheque") is a once-popular but now largely outmoded medium of exchange utilized as an alternative to hard currency and intended to aid tourists. The product is typically used by people on vacation in foreign countries. It offers a safe way to travel overseas without the risks associated with losing cash. The issuing party, usually a bank, provides security against lost or stolen checks.

Traveler’s checks have increasingly been supplanted by credit cards and prepaid debit cards.

Key Takeaways

Traveler’s checks are a form of payment issued by financial institutions.
These paper cheques are generally used by people when traveling to foreign countries.
They are purchased for set amounts and can be used to buy goods or services or be exchanged for cash.
If your traveler's check is lost or stolen it can readily be replaced.
Once widely used, traveler’s checks have largely been supplanted today by prepaid debit cards and credit cards.

How Traveler’s Checks Work

A traveler’s check is for a prepaid fixed amount and operates like cash, so a purchaser can use it to buy goods or services when traveling. A customer can also exchange a traveler’s check for cash. Major financial service institutions issue traveler’s checks, and banks and credit unions sell them, though their ranks have significantly dwindled today.

A traveler’s check is similar to a regular check because it has a unique check number or serial number. When a customer reports a check stolen or lost, the issuing company cancels that check and provides a new one.

They come in several fixed denominations in a variety of currencies, making them a safeguard in countries with fluctuating exchange rates , and they do not have an expiration date. They are not linked to a customer’s bank account or line of credit and do not contain personally identifiable information, therefore eliminating the risk of identity theft. They operate via a dual signature system. You sign them when you purchase them, and then you sign them again when you cash them, which is designed to prevent anyone other than the purchaser from using them.

Many banks, hotels, and retailers used to accept them as cash, although some banks charged fees to cash them. However, with the rising worldwide use of credit cards and prepaid debit cards—such as the Visa TravelMoney card, which offers zero liability for its unauthorized use—it is getting much harder to find institutions that will cash traveler’s checks.

History of Traveler’s Checks

James C. Fargo, the president of the American Express Company, was a wealthy, well-known American who was unable to get checks cashed during a trip to Europe. In 1891, a company employee, Marcellus F. Berry, believed that the solution for taking money overseas required a check with the signature of the bearer and devised a product for it. American Express and Visa still use the British spelling on their products.

Where to Get Traveler's Checks

Companies that still issue traveler's checks today include Visa and AAA . They often come with a purchase fee. AAA now offers members pre-paid international Visa cards instead of paper checks.

In the U.S., they are available primarily from American Express locations. You can also buy traveler's checks online from the American Express website, but you need to be registered with an account. Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks.

American Express, Visa, and AAA are among the companies that still issue traveler’s checks.

Where to Cash Traveler's Checks

If you want to convert your traveler's checks into cash (instead of spending them directly), you can often deposit them normally at your bank. Many hotel or resort lobbies will also provide this service to guests at no charge. American Express also provides a service to redeem traveler's checks that they issue online to be deposited into your bank account.

Advantages and Disadvantages of Traveler's Checks

Traveler's checks are handy for tourists who do not want to risk losing their cash or having it stolen while abroad. Because traveler's checks can be reported lost or stolen and the funds replaced, they provide peace of mind. This was particularly a concern before credit cards and ATMs were widespread and affordable worldwide for most travelers. At the same time, these paper checks are now a bit outdated and come with a fee to purchase, making them potentially more expensive and cumbersome than using plastic or electronic payments.

Replaced if lost or stolen

Widely accepted around the world

Convenient to use

They don't expire

Must have the physical check to use it

Incurs a fee to purchase

Limited number of issuers today

Alternatives to Traveler's Checks

The most obvious alternative is to use a credit or debit card issued by a bank that works worldwide and charges low or no foreign exchange fees on purchases or ATM withdrawals. If your bank doesn't allow for this or charges high fees, then prepaid travel cards are the modern version of traveler’s checks. They allow you to get local currency from ATMs and make purchases with merchants—effectively eliminating the need for traveler’s checks.

Prepaid cards are not linked to your bank account, which prevents anybody from draining your checking account if the card gets lost or stolen—and you can’t go into debt. Credit cards offer similar (or better) protection, but you might not want to use your everyday card abroad. By using a dedicated travel card, you avoid spreading your card numbers around, which means you can be less vigilant about monitoring your accounts when you get back home. Visa and MasterCard both offer prepaid cards designed for use abroad. Those cards are available online, through travel agents, and at banks or credit unions.

Travel cards should feature low ATM fees, technology that lets you operate like a local in foreign countries, emergency cash when you lose the card, and “zero liability” fraud protection. That said, prepaid cards can be expensive, so you need to compare fees against your other cards to decide whether or not a travel card makes sense.

For U.S. citizens living abroad for extended periods, maintaining checking and other bank accounts in the United States provides several advantages, and many checking accounts are friendly for foreign transactions .

Where Do You Buy Traveler's Checks?

You can buy still buy traveler's checks from Visa and a handful of other financial institutions. To buy them, visit a location or check the website of an issuing institution. You may need a photo ID in order to set up an account.

How Do You Cash Traveler's Checks?

Some hotels, resorts, and currency traders will cash traveler's checks in exchange for local currency. However, with the rising prevalence of credit and debit cards fewer locations cash traveler's checks.

What Do You Do With Traveler's Checks?

Traveler's checks are a secure way of carrying money while abroad. Many businesses in the tourism industry will cash traveler's checks, and they can also be deposited into a bank account. Because the checks can be easily replaced, they have a lower risk of theft or loss. However, traveler's checks have fallen out of favor due to the increased convenience of credit cards and prepaid debit cards.

Traveler's checks were once a popular way to carry money while vacationing abroad. They are sold in fixed denominations, and can be used for purchases or cashed like an ordinary check. Traveler's checks can be easily replaced, making them less risky than carrying large amounts of cash. However, they have fallen out of favor due to the convenience of using credit or debit cards.

Sparks, Evan. “ Nine Young Bankers Who Changed America: Marcellus Flemming Berry .” ABA Banking Journal, June 26, 2017.

Time Magazine. " Travel (April, 1956): The Host with the Most ."

American Express. " Travelers Cheques ."

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Best ways to spend travel money in Thailand: Debit and prepaid cards

Learn more about the best card to use, if you should use a uk debit card and other ways to take spending money to thailand..

In this guide

Low-cost travel money options for Thailand

Currency: thai baht, how much money will i need, travel card, debit card or credit card, a quick summary of travel money options for thailand, exchange rate history (gbp to thb), bottom line.

Bustling cities, electric nightlife and stunning scenery…all on a budget. It’s not hard to see why Thailand has become such a popular destination for backpackers, holidaymakers and those who want to see their money stretch a bit further.

But even at such affordable prices, picking the right travel money options before you land is crucial. While Thailand is increasingly accepting major brands such as Mastercard and Visa in many middle to upper market shops, restaurants and hotels, cash is still key and is likely to dominate your spending. Find out the cheapest way to use your money and make withdrawals below.

You won’t have to worry about withdrawal fees if you opt for a digital banking app such as Revolut or Starling . These work in much the same way as conventional bank accounts do, coming with a debit card authorised by Visa or Mastercard which can be “topped up” from your mobile phone, but the key advantage is that they don’t charge withdrawal of transaction fees.

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Taking and exchanging cash.

Cash is vital in Thailand. You’ll be using it for the majority of your transactions. As usual, avoid exchanging cash at airports and hotels as these usually offer bad rates. Baht notes are significantly more fragile and susceptible to tearing than British bank notes. Make sure yours are not damaged as some shop/restaurant owners won’t accept them and ripped bank notes can be seen as disrespectful to the king.

Taking a debit card or credit card

First things first – always notify your home bank before you head to Thailand to stop your card being blocked by anti-fraud software. When using your card always choose to be charged in Thai baht to save yourself money. Why? Because the dynamic currency conversion (DCC) which allows you to see the cost of the transaction in your home currency leaves you exposed to foreign banks poor exchange rates and additional hidden fees.

Most debit cards will charge a currency conversion fee of around 2–3% when you make a purchase or withdraw cash, but it may be worth checking with your bank to double-check if this is the case. Both debit and credit cards can now be used in many mid to high-end hotels, shops and restaurants in big cities but credit cards should not be used to withdraw cash due to interest rates and cash advance charges. Instead use a debit card or prepaid travel card. Visa, Mastercard, JBC and American Express

Tip: Some financial institutions give you complimentary international travel insurance when you charge the cost of your return travel ticket to your credit card.

Using prepaid travel cards

Travel cards offer a safer way to withdraw cash and can be useful at helping with budgeting as you can only spend what is on the card. Using prepaid travel cards also means you can pre-load your exchange rate beforehand, offering you the chance to do so at times when rates are looking more promising rather than relying on live exchange rates which could be unfavourable at the time. Not all cards charge for for currency conversion, but these will certainly charge you at ATMs.

However, using a prepaid travel card is typically more expensive than using the cards you already have in your wallet. They often carry hidden fees such as inactivity costs, reload fees and issue fees. Not all travel cards support Thai baht – for those that don’t you’ll pay a currency conversion fee when you withdraw cash or purchase a good or service. For help deciding on which travel card to go for, check out our comparison.

Tip: Financial institutions which provide a travel card also make money by applying a higher margin to the exchange rate. You can get a better rate using a debit card or credit card.

Using traveller’s cheques

Traveller’s cheques provide important security advantages over other forms of travel money. Each cheque has a unique serial number and can only be cashed with photo identification. However, using travellers cheques can be expensive with institutions charging a commission of around 150THB to cash cheques. Because of this it’s usually best to get cheques in relatively large denominations to minimise fees. Alternatively, you’re often better off using a debit card or travel card which lets you make cheap or free ATM withdrawals.

Using an ATM

It’s always best to check with your individual bank to check its withdrawal fees and to see if it has any arrangements with Thai banks which will offer more favourable charges. In most cases its likely you’ll be charged by both your bank and the ATM to withdraw money with the ATM alone likely to add on a fee of around £2–£4. ATMs are available in any of Thailand’s cities and an increasing number of smaller towns.

Mastercard and Visa cards can be used to make cash withdrawals from the majority of ATMs in Thailand. The maximum withdrawal limit varies depending on the machine. Machines from banks with a presence in Britain such as HSBC have a higher daily withdrawal limit compared to ATMs from Thai banks.

Tip: However, if you’re heading to a smaller town or village it is strongly recommended to take enough cash with you to live as there is no guarantee one will be available.

The official currency of Thailand is the baht. The currency is available in both coins and notes and comes in the following denominations – coins of 1, 2, 5 and 10 baht and notes of 20, 50, 100, 500 and 1,000 baht. There are currently 2 legally accepted editions of bank notes in Thailand, both with an image of the king on the back. Make sure you treat your money with care as bad treatment could be seen as disrespect to the king. See the different bank note denominations below to familiarise yourself with the currency, save confusion when spending and ensure you’re not being overcharged.

On a budget? Food, drink, accommodation and tourist activities all come at a fraction of the price to those found in the UK making Thailand a popular destination for those who want to see the money stretch a bit further.

Those on a tight budget can easily live on less than £20 a day and still enjoy amazing food, comfortable accommodation and the chance to spend extra cash on activities. A mid-range budget of around £40–£60 a day will afford you good quality restaurant meals and accommodation, the chance to enjoy a range or tourist attractions and to hire taxis.

*Prices are approximate and are subject to change.

When traveling to Thailand it’s always best to have a few ways to access your cash. Visa and Mastercard travel cards, debit cards and credit cards are becoming increasingly accepted for over-the-counter purchases in middle to high-end hotels, shops and restaurants but carrying cash is always recommended as this will make up the majority of your spending. ATMs are readily available throughout Thailand’s larger cities and towns but when traveling to more remote locations it’s always best to bring enough cash to cover your stay.

Digital banking apps work in much the same way as conventional bank accounts do, coming with a debit card authorised by Visa or Mastercard which can be “topped up” from your mobile phone, but the key advantage is that they don’t charge withdrawal of transaction fees.

This table is a general summary of the travel money products in the market. Features and benefits can vary between cards.

While the value of the Baht has been increasing as the country develops and tourism expands, the country still remains a budget destination for British travellers.

*2024 price is an average until 16 April.

Each of the travel money options discussed has its own benefits and drawbacks, but it’s worth remembering that in Thailand cash is king. When traveling around the country it’s always best to have a few ways to access your cash. Having more than one travel money options means you have a back up in case one card is lost, stolen or damaged.

Make sure you’re able to withdraw cash using a decent prepaid travel money card or no-fee debit or credit card you should be able to handle all eventualities. It also pays to keep an eye out for ATMs operated by Thai banks that charge minimal local ATM operator fees.

Finally, if you’re going to visit some of Thailand’s more remote beauty spots, we strongly recommend you take enough cash with you to live on while you’re there, as there is no guarantee that you’ll have access to banks or ATMs.

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Cash, Travellers Cheques or ATM? - Thailand Forum

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Cash, Travellers Cheques or ATM?

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Would I be best bringing my cash over in Sterling? Or Can I use Travellers Cheques just as easily?

Thanks to anyone who replies.

hi there, theres lots of info on this in the faq,s on the right cheers-- andy

Agreed.. Read the FAQ's for a very good oversight and side-by-side comparision of each money form--- cash, plastic, T/C... Each one has it's own set of pro's and con's... no one form has is perfect, so you need to decide where is your comfort level between costs, safety, and convienence.

My own suspicion is that most people end up using at least two of these, if not all three... as each one does have a distinct "upside" to it.

Travel Safe,

Second, the EXCHANGE RATE at ATMs is actually the best possible consumer rate. Where you lose out is in the fees charged by the bank in Thailand (150 baht per transaction) plus those charged by your home bank. Still, this is the most convenient and secure way of accessing your funds and I use it personally despite the fees.

Cash exchange in Thailand is of course possible all over the country from all major currencies. There are no commissions and exchange rates are fair. Of course you're running some risk of loss of theft.

Exchanging travelers cheques costs a fee of only 33 baht per cheque and there's no trouble converting them at any bank. Bring your passport. Bring cheques in your home currency so you don't have to pay double exchange spreads.

The ATM fees will kill you because there are three fees - the 150 baht you pay the ATM in Thailand (although I understand some are free I could not find any), the fee you pay your home bank because you are not using their ATM (my home bank Chase Bank charges 4 USD per transaction, and a "conversion fee". On a 50 USD withdrawal you will pay about 20 percent in fees. As someone above said, most banks will convert t/c's and the bank I have used (Kasikorn) actually gives you a better rate than if you were converting cash, less a 33 baht (about 1 USD) fee

I take as much cash as I feel comfortable with and have a debit card for back up.

I hate paying all those rip off fees.

Using travellers' cheques is outdated technology. I do not know of any frequent traveller who still uses them. Take cash and use a credit card. ATMs give you the best exchange rate as well.

"Using travellers' cheques is outdated technology."

But for some, they still are the optimal form of carrying their currency.. In many cases they can be bought fee-free.. They're replaceable if lost and offer ever-so slightly better exchange rates over cash..

To be fair, yes, you need to have your passport handy to redeem them, and yes, there is a government imposed tax of B33 per check. but given that nearly all Thai banks imposed a B150 fee for ATM use, I can still see a distinct mathematical advantage to the "outdated" checks.

While I won't argue that cash is the ultimate for ease and cost factors, I cannot overlook the fact that with cash you bear all risks for loss or theft.. And I'll agree that ATM's are very prevalent across the Kingdom. but with ATM's I cannot also overlook the fact that they (in almost all cases) come with a charge of B150 per each use plus the possibility of fees from your home bank

So, all things considered, I think that the much maligned T/C still has it's place among the money forms.. but again, I think each person needs to evaluate his/her risk comfort level and where they'll be going.. TC's can be harder to redeem in some countries than others.

GOPBI are you aware that Aeon ATMs do not charge fees?

This topic has been closed to new posts due to inactivity.

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Welcome to Thaizer. This website is where I share my first-hand Thailand tips and advice from 20 years of travel experience in the country. If you’d like to find out more about my backstory and what first brought me to Thailand, check out the About page here .

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Before you go.

Check the Covid-19 advice here and this list of suggested vaccinations for Thailand . You can also find advice on this site about mosquitoes , malaria and rabies .

Whether you need a visa or not depends on a number of factors including your nationality and how long you will be staying. Visitors from many Western countries staying in Thailand for a short holiday can enter Thailand under a Visa Exemption (no need to apply for a visa). Check the information here for more details on the different options available to you: Visa rules for tourists travelling to Thailand

If you fall ill in Thailand or have an accident, you will need to pay your own expenses. Travel insurance is one of the most important things to consider before you travel to Thailand. Get a quote: Safety Wing World Nomads

In most cases, bringing prescribed drugs into Thailand isn’t a problem. However, issues can arise if you travel via another country (e.g. Dubai) where regulations are stricter.

To keep comfortable in the heat, lightweight cotton and linen clothing are good choices. Laundry services are plentiful and inexpensive in Thailand so there is no need to bring bundles of clothes. At least one pair of trousers and smart casual shoes are a good idea for men if you are planning to visit a rooftop bar or restaurant in Bangkok. Women should bring an outfit that covers the knees and shoulders if you are planning to visit temples or royal palaces during your stay. The strength of the air conditioning on buses, trains and at airports can catch travellers by surprise and a sweater or light jacket can be a welcome addition. A folding umbrella with a UV lining is a handy item to have and offers protection from strong sun and rain. These umbrellas can be bought for around 100 Baht in cities and resorts around Thailand. Although brand name sun lotions (e.g. Nivea) can be purchased at branches of Boots and Watsons in Thailand, you may find it is cheaper to buy in your home country.

Check the month-by-month guides here to find out what weather you can expect during your trip. Any month can be a good month to visit Thailand and with different weather patterns on the Gulf Coast and Andaman Coast there is plenty of scope for a beach holiday.

Check for special events and festivals here . Individual destination pages also feature details of regional events.

Where to go

The best place to go during your trip is down to individual preference. You may want to hit the islands and beaches of the south for a few weeks or spend time exploring the mountain scenery in Chiang Mai and Chiang Rai provinces in the north. Take a look at the destination pages to see what appeals to you: Bangkok Chiang Mai Ko Samui Krabi Phuket More destinations »

I can’t arrange your itinerary, but for more inspiration on where to go, check out the suggestions in the itineraries section of this site .

Where to stay

If a hotel has its own website, you can sometimes get the best deals booking directly with them. Online booking site Booking.com often has good rates for hotels and guest-houses in Thailand. They also offer a best-price guarantee. When booking accommodation, be careful to check the location is where you want. In Thailand, the name of the city is often the name of the province. This means, for example, that a hotel described as being in Chiang Mai may actually be in the Chiang Mai countryside rather than in Chiang Mai city centre.

Over the years I’ve travelled to just about every province in Thailand and stayed in hundreds of hotels and guest-houses. Some have been fabulous, some OK and a few have been terrible. Whether you’re looking for the best place to stay in Bangkok’s Old City or advice on where to stay in Chiang Mai , each destination page on this site has suggestions for accommodation. You can also search by region using the links below.

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How to get around

Skyscanner is a good place to start researching for flights to Thailand. There can also be advantages in booking directly with the airline.

For internal flights within Thailand , I find it easier to book directly with the airline. Many will have promotion fares if you can book far enough in advance. Look too for seasonal offers which can be excellent value.

Trains Train tickets can be purchased at any Thai railway station. For long-distance journeys it can sometimes be advisable to book in advance. The State Railway of Thailand’s (SRT) website isn’t the most modern or the easiest to use, but it is possible to book train tickets online . You can also use the services of an online agent such as 12Go whose website is far more user-friendly than the SRT’s. Buses Not all bus companies in Thailand operate to the same safety standards. The best companies to use are the government regulated services and those of reputable operators including, The Transport Company Ltd., Green Bus Company and Nakhon Chai Air. There are online booking services, but they are aimed at Thai customers. You can book bus tickets in person at tour offices or online with 12Go. Boats Boat and ferry tickets can normally be bought on the day of travel. If you prefer to have the security of a ticket in advance, you can book online with 12Go . Try to stick to registered boat services and make sure the vessel has life jackets.

Throughout this site you will find information about various tourist attractions around Thailand with advice on how to visit them independently. If you would prefer to take an organised tour, check out the Thailand offers from these specialist tour companies: Get Your Guide Klook

Culture & etiquette

Although many minor indiscretions in Thailand will be overlooked, there are some important cultural do’s and don’ts to be aware of. Read more about culture and etiquette in Thailand »

The Thai language can be difficult to grasp, but do try to learn at least a few words during your visit . Trying out your Thai language skills can be the perfect ice-breaker and establishes good intent. If you get the pronunciation wrong, mai pen rai ! Smile and embrace the Thai concept of sanuk . Read more Thai language tips »

Food & drink

Eating at a street food stall for the first time can be intimidating, but these nondescript little stalls can be wonderful places to eat. If Thai people are eating there it’s a reasonable bet that the food is good.

Iced drinks are generally safe although you should use bottled water and avoid drinking tap water . Stomach upsets and illness that are sometimes attributed to food are often the result of not drinking enough water . Don’t underestimate the effects of the heat and humidity in Thailand. If you are out and about sightseeing, take regular breaks for drinks and keep a bottle of water with you.

Thailand is justifiably famous for its food . Whether it’s a tasty green curry in Bangkok, a spicy tom yam kung in Ko Samui or a satisfying bowl of khao soi in Chiang Mai, food is at the heart of Thai culture.

Health & precautions

If you do have the misfortune to be ill during your trip, pharmacies are a good place to start . Pharmacists in most areas are able to speak English and an over the counter treatment is often all that most people need. Should you require more serious treatment, the pharmacist or your hotel will be able to suggest nearby hospitals. Medical staff, especially in tourist areas, usually speak good English.

The vast majority of tourists visit Thailand without any problems. Part of Thailand’s appeal is that it is considered one of the safest places for tourists in Asia. At the same time, it has to be said that Thailand has a very different safety culture compared to most Western countries. The apparent lack of rules and regulations is part of what makes Thailand so different. But behind this seemingly carefree lifestyle there are some grim statistics. Thailand’s roads have been ranked as the second most dangerous in the world . If you’ve never ridden a motorbike before, Thailand is not the place to learn.

Tourist police If you run into problems in Thailand, there is a tourist police service which can be a useful first point of contact. The telephone line is free to call and is staffed 24 hours a day, 7 days a week. Call 1155 for assistance. Consular assistance If you have more serious issues, you can contact your home country’s embassy or consulate in Bangkok.

When booking into hotels or checking in for domestic flights you will need to show your passport. Thai people are required to show their ID card. Some foreign embassies advise their citizens to carry their passport with them at all times in Thailand .

Con-artists do operate in some tourist locations in Thailand. One of the most common scams is around the Grand Palace in Bangkok . If an English-speaking Thai person approaches you to say the Grand Palace is closed for the day, politely ignore them. If you engage in conversation the next step will be them telling you about a ‘lucky’ Buddha temple nearby or a special government sale. It’s a scam. For the most part, Thai people are reserved and will not normally approach foreign tourists and engage in conversation. If you are in a tourist area be wary about scams, but don’t be paranoid.

In most cases you will get a better exchange rate in Thailand compared to your home country. Read the tips here for the best place to change your money into Thai Baht .

Credit cards or debit cards are ideal for booking flights or hotels online. But for day-to-day transactions, Thailand is predominantly a cash culture. Although that is slowly starting to change, if you are eating at small restaurants or street stalls you will need to pay by cash.

Tipping isn’t as common in Thailand as some other countries and is at your discretion. However, there are times when a small tip is a good idea. Find out more about tipping in Thailand here .

Although haggling is part of the Thai shopping experience, there is a right way to do it and a wrong way to do it. Find out more here .

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Can anyone advise please

Travellers cheques are in the same time warp as fax machines . . The best is to carry out as much cash as you feel comfortable with.This will give you the best value. Some of these travel cards are ok...but mostly the exchange rate is poor. For large items and Hotels you can often use a Visa or MasterCard and these can be used to withdraw cash from an ATM. However the fees and limits . So I go back to taking cash.

I am sure you will get a lot of good information as your question come up all the time.

Again take you counrties cash with you and exchange at non bank converters in Thailand will give you the best exchange rate. (avoid the exchanges at BKK Airport) where possible

You are aware there's now a fee for cashing travelers cheques of 153 baht per cheque? This more or less negates any advantage TCs had over ATM withdrawals. Personally, I prefer the greater safety, flexibilty and convenience of simply being able to withdraw money from my account when I need it. I consider the ATM fee as the cost of that convenience.

Thank you for you advice. Why do you say not to bring Baht's with us....is the exchange rate better out there?

As bill says it costs 153 baht (3£) to change each cheque.

Tc's get a marginally better rate than cash. So if buying chequer buy 500€ or 500$ or 500£. But know you will be changing 20-25k baht at a time.

If you buy 10-50€ bills you will lose a large portion. 100,200 bills about breakeven. And you make a better rate on 500 denomination bills.

This topic has been closed to new posts due to inactivity.

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All about traveler’s checks, plus modern alternatives

January 18, 2024 | 1 min video

Getting ready to travel? One thing to think about is how you’ll make purchases while you’re away. Traveler’s checks aren’t as common as they used to be. So you might want to consider modern alternatives that may offer the advantages of traveler’s checks and more.

Read on to learn more about the ins and outs of traveler’s checks. And find out about other options—for example, credit cards, prepaid cards and mobile wallets—that could help make the most of your trip.

Key takeaways

Traveler’s checks are paper documents that can be exchanged for local currency or used to buy goods and services abroad.
Traveler’s checks feature unique serial numbers, making them replaceable if they’re lost or stolen.
Fees may apply when purchasing and exchanging traveler’s checks.
There are modern alternatives to traveler’s checks that you may find more convenient.

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What is a traveler’s check?

A traveler’s check is a paper document you can use for making purchases when you’re traveling, typically in other countries. It can be used as cash or a regular check.

Traveler’s checks—you may also see them referred to as “cheques”—are generally printed with a unique serial number. This means you may be able to get a refund if your checks are lost or stolen. The checks are usually available in set denominations—$20 and $50, for example.

How do traveler’s checks work?

Traveler’s checks may be accepted at participating merchants like hotels, restaurants and stores. Just keep in mind that there could be fewer participating merchants than there used to be.

When you purchase your checks, you may notice that they have a space for two signatures:

First signature: You might be asked to sign each of your traveler’s checks when you buy them. If not, you may want to sign them as soon as possible.
Second signature: You’ll usually sign your traveler’s checks again when you’re making purchases.

This dual signature method is meant to provide extra security and ensure that only the purchaser is able to use them. The merchant can verify that the second signature matches the first.

How to cash in traveler’s checks

You can use traveler’s checks like cash to pay for goods and services at participating merchants. You’ll typically sign the check in front of the merchant at the time of the purchase.

While traveling, you may also be able to redeem your traveler’s checks for local currency at financial institutions or your hotel.

Potential fees associated with traveler’s checks

It’s possible that certain fees may apply to traveler’s checks. For example, you may need to pay a fee when you purchase them or when you exchange them for currency once you get to your destination. There might also be a fee for depositing unused checks into your bank account.

Where to get traveler’s checks

While traveler’s checks might be harder to find than they used to be, they’re still available. You may be able to purchase them at some banks, credit unions and travel-related service organizations.

Pros and cons of traveler’s checks

Take a look at some of the potential pros and cons of traveler’s checks:

When to use a traveler’s check

You might consider using traveler’s checks in certain situations, including:

When you don’t have a credit or debit card. Some people may prefer to travel using modern payment options like credit and debit cards. But if you don’t have either, you may find traveler’s checks to be an acceptable alternative.
When you can’t access an ATM. If you find yourself in a place that doesn’t have an ATM on every corner, you can instead use your checks at merchants that accept them.
When you want to exchange them for local currency. When you get to where you’re going, you might want to have some local currency on hand. You may be able to exchange your traveler’s checks for currency at certain banks or other financial institutions.

Modern alternatives to traveler’s checks

There are a number of alternatives to traveler’s checks—options you may find faster, easier and more convenient. Here are a few to consider when you’re comparing your choices:

Credit cards

Carrying a credit card may be easier than carrying traveler’s checks. Plus, credit cards can be helpful for making large and online travel purchases like plane tickets and hotel reservations. That’s especially true with travel credit cards , which you could use to earn rewards on travel-related purchases.

Some credit cards may also come with benefits that could be useful while traveling. They might include things like protection from unauthorized charges and the ability to use a mobile app to track your purchases .

Keep in mind that foreign transaction fees may come into play when you use your credit card overseas. While this fee might vary between credit card companies, it could generally be in the range of 1%-3% of your purchase. You may also be charged a currency conversion fee. This fee is often part of a foreign transaction fee.

Some companies don’t charge foreign transaction fees. For example, none of Capital One’s U.S.-issued credit cards charge this fee. View important rates and disclosures .

If you’re traveling with your credit card, your credit card issuer may want to be alerted before you go. That’s because it might flag your purchases as fraudulent if it notices purchases made in an unfamiliar location. Thanks to the added security of its chip cards, Capital One doesn’t require this notification.

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Debit cards

When you’re traveling, a debit card can be just as easy to carry around as a credit card. And like a credit card, it can help protect against fraud.

The big difference: A credit card lets you “borrow” money for purchases, while a debit card uses the money in your checking account to make purchases.

It may be helpful to carry a debit card when you’re visiting a country that generally favors cash transactions. In that case, you could use your debit card at an ATM to get cash once you’ve reached your destination. And that may be safer than bringing cash with you and exchanging it for local currency once you’ve arrived.

Keep in mind that you could be charged ATM fees when you use a debit card abroad. According to the Consumer Financial Protection Bureau (CFPB), some banks and credit unions don’t charge customers a fee for using their ATMs. But they might charge you if you’re not a customer—and that could be in addition to a fee charged by the operator of the ATM.

Also, be mindful that some banks may charge a foreign transaction fee when you make purchases abroad with a debit card. You may also be charged a currency conversion fee—often, this fee is folded into the foreign transaction fee.

Some banks, though, don’t charge foreign transaction fees. For example, Capital One doesn’t charge this fee for its 360 Checking account .

If you take a debit card on your travels, your bank may ask you to notify it beforehand. That’s because it could notice transactions made in an unfamiliar location and potentially freeze your account. Capital One doesn’t require this notification , thanks to the added security of your chip card.

Prepaid cards

Like credit cards and debit cards, prepaid cards may be easier to carry around than cash. They may also offer some protection against loss, theft or fraud once you register them.

But with a prepaid card, you don’t “borrow” money like you do with a credit card—or use money from your checking account, like with a debit card. Instead, you typically add money to a prepaid card before using it.

According to the CFPB, there are a few ways you can add funds to a prepaid card. For example, you can transfer money from your checking account or load funds at some retailers or financial institutions.

You might be charged one or more fees for using a prepaid card. The CFPB notes that if you get your prepaid card from a retailer, you should find a summary of fees on the card’s packaging. If you get your card from a different provider—online or over the phone, for example—the provider needs to share this information on paper or electronically.

Mobile wallet

You’ll probably have your phone with you when you’re traveling, right? Using a mobile wallet to make purchases is another modern alternative to traveler’s checks.

A mobile wallet is essentially a digital version of your real wallet. Depending on the wallet, you may be able to store things like credit cards, debit cards, prepaid cards, boarding passes, hotel reservations, event tickets and other types of personal data.

Mobile wallets can be convenient, allowing you to make quick and easy payments using your phone or other mobile device when you’re on the go. And they typically use advanced technology that prevents your actual account numbers from being stored in the wallet.

There are lots of mobile wallets to choose from. Researching your options could help you see which will work best while you’re traveling. Keep in mind, some merchants might not take mobile wallet payments.

Traveler’s checks in a nutshell

Traveler’s checks can be a helpful way to pay for things abroad, but there are also more modern options available today, like credit cards, debit cards, prepaid cards and mobile wallets. And with a travel credit card, you could earn rewards on your travel-related purchases.

Ready to upgrade the way you pay before your next trip? Compare Capital One travel credit cards today to find the best option for you, no matter where you’re headed.

Should you send a credit card travel notice?

article | April 25, 2024 | 3 min read

What you should know about foreign transaction fees

article | May 23, 2024 | 7 min read

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travelers cheques in thailand

By salavan July 4, 2014 in Jobs, Economy, Banking, Business, Investments

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Share on other sites, tony aparichio.

no big deal if its just one cheque but when you want to cash 60 (9000 baht) or 80 (12000 baht) checks at one time it becomes nutzoid. Are there alternatives in the kingdom???

Old news...been talked about in several threads over the last few months. Around March 2014 Thai banks increased their travelers cheques cashing fee from 30 baht + 3 baht stamp duty for a total of 33 baht per cheque to 150 baht + 3 baht stamp duty for a total of 153 baht per cheque. Note: the govt stamp duty did not increase; the Thai banks just increased their portion of the fee 5 fold from 30 to 150 baht. To help minimize this fee impact best to use the large denomination cheques like $500 USD (or equivalent). The Thai Bankers Association appreciates your business.

Open a bank account and transfer money in. Carry cash, up to $20,000 per person, depending on which country you come from. Or use an ATM card. Traveller's checks have been a pain in the arse here (or anywhere) for many years to me.

Whether or not they are pain I have 60 of them that will now cost me 9000 baht to cash. I get them for no charge at my bank but pay over $5 to cash them, I used to think 30 baht fee was rip off but tolerated it, 150 baht is robbery. Every time things like this happen to me here I tighten up on spending. I feel they want to rip me off I spend less. Up to them.Now that money is going back home Thailand will see none of it. I liked them because the exchange rate was better but with this added cost it makes the rate lower.

I also have had a bank account for years here that isnot the issue here. But thanks for poor advice.

Several months ago we had a friend from the U.S. come visit us...she comes every year or two and usually brings a lot of traveler cheques...usually $100 cheques. We told the friend well in advance and told her twice about the higher cashing fee and if she was going to bring travelers cheques like she usually does to be sure to bring $500 cheques versus the $100 cheques she normally brings...she said she understood. But what did she do....she brings along a bunch of $100 cheques again...but after getting stung almost $5 in cashing fee per cheque and realizing she was giving the Thai bank approx 5% of each cheque in fees, that it finally sunk-in she shouldn't have got $100 cheques. She was not too happy about the high fee...and also not happy with herself for not heeding our advice.

I think of some poor back paker out of high school or university off to see the world and brought $50 travellers cheques .Guys like this are paying 10%. I also wonder about atm rates. I have ask for hard copies of my banking account be sent to me here so I can cross reference what I received,with the rates of that day posted. when I use my atm card.. I feel the exchange rate for atms may be abusive to people who use there card in Thailand to get money from home country. It certainly isnot tt rate. I should add most of banking is using atm, my thai account just sits there with the 800,000 in it.

The ATM rate is the Visa/Mastercard exchange rate "minus any foreign transaction the card-issuing bank may apply." Here's the Visa and Mastercard exchange rate pages. Visa Mastercard

Just to make the math easy say the Visa/Mastercard exchange rate is 100 units per your currency today and your card-issuing bank did not apply a foreign transaction fee, then your exchange rate is 100. But let's say your card-issuing bank applies a 3% foreign transaction fee, then your exchange rate is the Visa/Mastercard 100 minus 3 for 97. And of course there is always the possibly of the local ATM asking you do you want to use the Bank Rate, Home Rate, or some other warm & fuzzy name for the rip-off Dynamic Currency Conversion (DCC) exchange rate where you get the exchange rate set by that local ATM bank operator which will probably be around 3 to 4% lower than the Visa/Mastercard exchange rate. DCC bad, very bad for the customer; DCC good, very good for the ATM operator...don't accept a DCC transaction...press the no thank you button and continue on with a regular ATM withdrawal/purchase transaction.

All the person needs to know what exchange rate they get is what fees "their card-issuing bank may apply," which is usually a 1 to 3% fee sometimes combined with a flat fee of per transaction...and then look at the Visa/Mastercard exchange rate pages to finalize the math. And remember, don't do DCC transactions. Best to get a "no foreign transaction fee" debit/credit card if possible...like in the U.S., the Schwab debit card but there are other too.

Thanks for that it was very interesting and well woth knowing and the links are good. You are well up on whats going on in the money world I am glad you are in this form.

My atm card though is neither Visa or Mastercard. It is a bank only card no middleman.But I pay a fee of $5 Canadian to use an atm not from my banks companies atms. There are no % involved straight withdrawal and $5 service charge. My monthly statement will give the amount in Canadian dollars and the amount in Thai Baht,including the 150 baht fee,plus the rate the transaction was done at. So the fee should be what the atm here in thailand is offering, my bank. I am really curious now to see what it was the last few months when I receive the hard copy. Will let everyone here know too. Since I donot know at the moment it will be interesting to find out.

On another note I read where American Express Card holders can bypass the 150 to 180 baht Thai atm fee. The card holder simply has to contact American express and then you can withdraw directly and do it for without the Thai atm fee.. To bad my bank doesnot do that mine is a direct one too.

Yes, apparently for AmEx cards there is not a Bt150-180, or at least at Bankgok Bank ATMs. See below taken from the Bangkok Bank website where it says no fee for AmEx cards.

However, I dare you to provide an AmEx exchange rate webpage like Visa and Mastercard provide. Yes, you can find AmEx pages that talk about their exchange rate in general and give you an approx rate, but they have fine print for the exchange rate calculator along the lines of: " This conversion is made using the Interbank rate. It should be used as a guide only. Call your local American Express travel office for the latest rates."

Since AmEx don't seem to be upfront with a person in exactly what their exchange rate is for the day, I"m going to assume it's probably not that good. So, while you may escape a local Thai bank ATM fee the AmEx rate may eat some of your lunch, whatever the rate may be.

Yes, apparently for AmEx cards there is not a Bt150-180, or at least at Bankgok Bank ATMs. See below taken from the Bangkok Bank website where it says no fee for AmEx cards. Capture.JPG However, I dare you to provide an AmEx exchange rate webpage like Visa and Mastercard provide. Yes, you can find AmEx pages that talk about their exchange rate in general and give you an approx rate, but they have fine print for the exchange rate calculator along the lines of: " This conversion is made using the Interbank rate. It should be used as a guide only. Call your local American Express travel office for the latest rates." Since AmEx don't seem to be upfront with a person in exactly what their exchange rate is for the day, I"m going to assume it's probably not that good. So, while you may escape a local Thai bank ATM fee the AmEx rate may eat some of your lunch, whatever the rate may be.

Nice of you to mention that we would be dealing with AmEx rate not the bank rate. Like I said before good thing you are in this forum.

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Travelers Cheques
Redeeming your Travelers Cheques. 1. Redeem your Travelers Cheques with American Express Travel Related Services Company, Inc. You can call American Express customer service at ( 001-800-441-0193) to register a redemption claim (1) . You can find additional contact numbers based on your location. 2. Deposit your Travelers Cheques with your bank.
Foreign Notes, Drafts & Travelers' Cheques
Advance orders available at these Bank branches: Bangkok, Chiang Rai, Chiang Mai, Phitsanulok, Tak, Chonburi, Phra Nakhon Si Ayutthaya, Hua Hin, Nakhon Ratchasima, Khon Kaen, Udon Thani, Phuket, and Koh Samui. Expand All. Print. Ordering Conditions. Foreign Notes Pick-Up Conditions. Buy/sell Draft. We buy drafts in 10 currencies as follows: USD.
Taking Money in and out of Thailand: Know the Rules
Cheques: Written orders from an account holder to their bank, instructing the bank to pay a specified sum of money to a designated recipient. Travellers' Cheques: Pre-printed, ... Travellers to Thailand can bring up to $20,000 or its equivalent without prior declaration, but exceeding this limit requires reporting to customs officers. ...
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Travelers Cheque Exchange Locator. Redeem your Travelers Cheques directly with American Express Travel Related Services Company, Inc. Contact customer service at ( 001-800-441-0193) to register a redemption claim. Refresh when map moves. Please enter a location to see results.
Cash, Travellers Cheques or ATM?
Cash exchange in Thailand is of course possible all over the country from all major currencies. There are no commissions and exchange rates are fair. Of course you're running some risk of loss of theft. Exchanging travelers cheques costs a fee of only 33 baht per cheque and there's no trouble converting them at any bank.
Traveler's Cheque Services
Service Details. Key Features. Fair exchange rates. Cheque can be cashed or deposited into a savings account. Available currencies include CAD, CHF, GBP and USD. Note: The acceptance of Traveler's Cheque Services for Australian Dollars (AUD) will be discontinued from August 11, 2023 onwards. Service Channel. Locate Us.
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Traveler's Check: What It Is, How It's Used, Where to Buy
Traveler's Check: A traveler's check is a medium of exchange utilized as an alternative to hard currency . Travelers often used traveler's checks on vacation to foreign countries. In 1891 ...
Using travellers cheques abroad: the pros and cons
Some people see travellers cheques as an outdated way to spend money abroad, especially now prepaid cards, which work in a similar way to travellers cheques, are so readily available. The only notable disadvantage to using travellers cheques, however, is the potential for them to be an inconvenient - and in some cases unexpectedly costly ...
Travellers Cheques
As bill says it costs 153 baht (3£) to change each cheque. Tc's get a marginally better rate than cash. So if buying chequer buy 500€ or 500$ or 500£. But know you will be changing 20-25k baht at a time. If you buy 10-50€ bills you will lose a large portion. 100,200 bills about breakeven.
Travellers cheques
4. Re: Travellers cheques. 9 years ago. These last few years I have used cash, £50 notes in good condition and no writing, and cash them at Vasu for the best rate. I pay the hotel with a credit card that has no charges and uses the bank rate for exchange. You will see from previous posts that Thailand will no longer cash tc's if they are not Amex.
Best ways to spend travel money in Thailand: Debit and prepaid cards
Using traveller's cheques. Traveller's cheques provide important security advantages over other forms of travel money. Each cheque has a unique serial number and can only be cashed with photo identification. However, using travellers cheques can be expensive with institutions charging a commission of around 150THB to cash cheques.
Cash, Travellers Cheques or ATM?
Answer 1 of 10: We are coming to Thailand in May, Bangkok and Krabi and are unsure what to do about money. I was originally going to bring half over in Thai Baht and get the rest out via an ATM with my debit card, however, it seems that it can be quite expensive...
Plan your Thailand trip
Plan your Thailand trip. Welcome to Thaizer. This website is where I share my first-hand Thailand tips and advice from 20 years of travel experience in the country. If you'd like to find out more about my backstory and what first brought me to Thailand, check out the About page here. Table Of Contents.
Travellers Cheques
Answer 1 of 12: Hi, Can anyone tell me if travellers cheques in AUD are widely accepted throughout Thailand? Or am I better off getting them in USD? There has been conflicting information lately on whether they are readily accepted all over Thailand or only...
Which travellers cheques for Thailand
I'm going to bring some GBP (sterling) travellers cheques for our upcoming trip to Thailand. Does it matter if they are American Express, or VISA travellers cheques from my normal bank ? Are they just as easy to cash at the Thailand banks ?
Travellers Cheques
Travellers Cheques - Thailand Forum. Asia ; Thailand ; Thailand Travel Forum; Search. Browse all 309,440 Thailand topics » Travellers Cheques Watch this Topic ... What a ripoff!! The travellers cheques are a promotion being commission free to get and cash back in.... people have been saying its roughly about $3 to cash them and they were ...
Travellers Cheques
As bill says it costs 153 baht (3£) to change each cheque. Tc's get a marginally better rate than cash. So if buying chequer buy 500€ or 500$ or 500£. But know you will be changing 20-25k baht at a time. If you buy 10-50€ bills you will lose a large portion. 100,200 bills about breakeven.
Traveler's Checks and Modern Alternatives
It can be used as cash or a regular check. Traveler's checks—you may also see them referred to as "cheques"—are generally printed with a unique serial number. This means you may be able to get a refund if your checks are lost or stolen. The checks are usually available in set denominations—$20 and $50, for example.
Visa Travelers Cheques for Consumers
Toll free: 1-800-645-6556 Collect: 1-813-623-1709 Monday-Friday, 6:30 am to 2:30 pm EST Automated cheque verification is available 24 hours a day, 7 days a week (if you select the English or Spanish option).
travelers cheques in thailand
Around March 2014 Thai banks increased their travelers cheques cashing fee from 30 baht + 3 baht stamp duty for a total of 33 baht per cheque to 150 baht + 3 baht stamp duty for a total of 153 baht per cheque. Note: the govt stamp duty did not increase; the Thai banks just increased their portion of the fee 5 fold from 30 to 150 baht. ...
4 Ways on How to Manage Money Travelling Abroad
Well, there are many ways to travel abroad with money, but not all of them includes cash; although it is essential to carry some with you. There are four basic options you can choose from when making an international trip. 1). Pre-paid Forex Cards - Having a certain amount of foreign currency provides you with convenience and payment flexibility.

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2. แลกเช็คเดินทางของคุณเป็นเงินสด

3. แลกเช็คเดินทางของคุณเป็นสกุลเงินท้องถิ่น

ศูนย์บริการเช็คเดินทาง

What Is a Traveler’s Check?

The Bottom Line

Traveler's Check: What It Is, How It's Used, Where to Buy

Key Takeaways

How Traveler’s Checks Work

History of Traveler’s Checks

Where to Get Traveler's Checks

Where to Cash Traveler's Checks

Advantages and Disadvantages of Traveler's Checks

Alternatives to Traveler's Checks

Where Do You Buy Traveler's Checks?

How Do You Cash Traveler's Checks?

What Do You Do With Traveler's Checks?

Best ways to spend travel money in Thailand: Debit and prepaid cards

Low-cost travel money options for Thailand

How we chose these accounts

Taking a debit card or credit card

Using prepaid travel cards

Using traveller’s cheques

Using an ATM

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Cash, Travellers Cheques or ATM? - Thailand Forum

Cash, Travellers Cheques or ATM?

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Travellers Cheques - Thailand Forum

Travellers Cheques

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All about traveler’s checks, plus modern alternatives

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What is a traveler’s check?

How do traveler’s checks work?

How to cash in traveler’s checks

Potential fees associated with traveler’s checks

Where to get traveler’s checks

Pros and cons of traveler’s checks

When to use a traveler’s check

Modern alternatives to traveler’s checks

Credit cards

See if you’re pre-approved

Debit cards

Prepaid cards

Mobile wallet

Traveler’s checks in a nutshell

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