10 Tips to Maximize Your Money in Pattaya Exchange and Spending Guide

10 Tips to Maximize Your Money in Pattaya: Exchange and Spending Guide

Find the best ways to exchange and spend money in Pattaya. Learn about currency exchange, using debit and credit cards, and pre-paid travel cards to get the most out of your vacation.


When planning your trip to Pattaya, Thailand, one of the most crucial aspects is how you will manage your money.

Whether bringing cash to exchange, using your bank credit and debit cards, or opting for pre-loaded travel cards and multi-currency debit cards, understanding the best methods for obtaining and spending Thai Baht can significantly enhance your travel experience.

The more options you have, the better prepared you’ll be for any mishaps or emergencies.

Let me share a personal story: On my first trip to Pattaya, I found myself short on cash after a fun-filled day of sightseeing.

I had only brought a limited amount of cash and had yet to consider all the available options for accessing more funds.

This experience taught me the importance of being well-prepared and informed about the different ways to manage money while travelling.

Money Exchange Pattaya

In this blog post, I will explain the popular methods of getting Thai Baht and provide tips on making your money go further in Pattaya.

From getting the best hotel deals to buying cheap tickets for attractions and avoiding hefty mobile roaming charges, you will find everything you need to know right here.

1. Exchanging Foreign Currency in Pattaya

  • Bring Your Passport: When exchanging money, always bring your passport. Most money changers in Pattaya require it.
  • Clean and Crisp Notes: Ensure your banknotes are clean, crisp, undamaged, and unmarked. Money changers may only accept notes that meet these criteria.
  • Extensive Denomination Notes: You often get better exchange rates for larger denomination notes like 100 USD or 50 GBP.
  • Best Currency Exchange in Pattaya: T.T. Currency Exchange Company is highly recommended for the best rates. Look for their yellow booths. For current rates and booth locations, visit T.T. Currency Exchange.

2. Airport Currency Exchange Rates

  • Avoid Airport Exchanges Generally: Airport currency exchange rates are usually not favourable. However, there are exceptions.
  • Bangkok Suvarnabhumi Airport: Head to Floor B next to the Airport Rail Link at Bangkok Suvarnabhumi Airport for better rates. Super Rich (1965) is a well-regarded option. Look for their orange booth. More details are in Super Rich (1965).

3. Buying Thai Baht in Your Home Country

  • Compare Rates Online: While you can compare rates online, it is generally better to exchange your currency for Thai Baht upon arrival in Thailand for more favourable rates.

4. Using Foreign Debit & Credit Cards in Pattaya

  • Inform Your Bank: Notify your bank about travel plans to avoid blocking your card.
  • ATM Locations: ATMs are abundant in Pattaya. They can be found outside banks, in convenience stores like 7-Eleven, shopping malls, supermarkets, and department stores.
  • ATM Fees: Expect a fee of around 220 baht per transaction. AEON ATMs charge slightly less, about 150 baht.
  • Withdrawal Limits: Most ATMs in Thailand have a withdrawal limit of 20,000 baht. Krungsri Bank ATMs allow up to 30,000 baht.

5. Debit Card vs Credit Card

  • Use Debit Cards for ATM Withdrawals: Use your debit card for ATM withdrawals to avoid cash advance fees associated with credit cards.
  • Use Credit Cards for Purchases: Credit cards are better for in-store and online purchases due to better fraud protection and perks like cashback and miles.

6. Pay in Baht

  • Avoid Dynamic Currency Conversion: When using your cards, always pay in Thai Baht instead of your home currency to avoid dynamic currency conversion, which offers a less favourable rate.

7. Decline ATM Currency Conversions

  • ATM Conversion Rates: ATMs in Thailand may offer a currency conversion rate via Dynamic Currency Conversion. This rate is typically worse than your bank’s, so always continue without conversion.
  • Card Return Reminder: Remember, ATMs in Thailand dispense cash before returning your card. Remember to take your card!

8. Travel Money Cards

  • Safe Alternatives: Pre-paid travel money cards, and multi-currency debit cards are safe alternatives for accessing cash and purchasing in Pattaya. Since they are not linked to your bank account, they provide an extra layer of security in case of loss or theft.

9. Wise Account

  • Multi-Currency Account Benefits: A Wise multi-currency account is highly recommended for those spending an extended period in Pattaya or handling large amounts of money. With Wise, you can hold multiple currencies, including Thai Baht, and enjoy low conversion fees. You can also send money to friends or relatives in Thailand, who can then withdraw cash for you. For more information, visit Wise.

10. Long-Term Stays and Thai Bank Accounts

  • Consider Opening a Thai Bank Account: If you plan to stay in Pattaya long-term, consider opening a Thai bank account. While this can be challenging due to varying requirements, local agent services can assist you in navigating the process.


Managing your money effectively in Pattaya is essential for a hassle-free and enjoyable vacation.

By familiarizing yourself with the various methods of obtaining and spending Thai Baht, you can be prepared for any situation.

Whether you choose to exchange currency, use your debit and credit cards, or rely on travel money cards, having multiple options will give you peace of mind.

Remember to explore our website for more travel tips and insights.

Have safe travels, and enjoy your time in Pattaya!


Did you know that the Thai Baht was initially called “Tical”? The currency was officially renamed Baht in the early 20th century. The name change coincided with the modernization of Thailand’s monetary system under King Chulalongkorn (Rama V). Today, the Baht is one of Southeast Asia’s most widely recognized currencies.

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