🔄 Updated 20 Jun 2026
Short answer: Use the baht (฿). Credit/debit cards work well in malls, hotels and city restaurants, but street food, markets and small shops are cash-first. ATMs are everywhere but charge a per-withdrawal fee for foreign cards (often a few hundred baht), so withdraw in larger amounts. Tipping is not required, but rounding up or leaving a little for good service is appreciated.
Cash or card — where each works
| Where | Cards? | Notes |
|---|---|---|
| Malls/hotels/big shops | Accepted | Easy to swipe; some take QR |
| Street food/markets | Mostly cash | Carry small notes |
| Songthaews/tuk-tuks | Cash | Have coins ready |
| National park fees | Usually cash | Bring enough |
ATMs & currency exchange
- Thai ATMs charge a per-withdrawal fee for foreign cards (often a few hundred baht) — withdraw in larger amounts
- If the machine offers to charge in your home currency (DCC), choose "in baht" for a better rate
- Named exchange shops in town usually beat airport or hotel rates
- Carry your passport when exchanging larger amounts
Tipping the Thai way
Tipping is not obligatory; many restaurants already add a 10% service charge. If not, rounding up or leaving some coins is plenty. For helpful bellhops, spa staff or guides, a small tip is a kind gesture.