You should be aware that most local banks will charge a fee per withdrawal, usually around 150 Thai Baht on top of what your own bank may charge. However, interest rates are usually quite good. ATMs are plentiful, especially in Phuket City and resort areas.

In 2026, the standard ATM withdrawal fee in Phuket (and throughout Thailand) for foreign cards is 220 Thai Baht (THB) per transaction, which is approximately $6.00 to $6.50 USD. This fee is charged by the Thai bank that owns the ATM and is in addition to any fees your own home bank might charge for international withdrawals. To minimize these costs, it is best to withdraw the maximum amount allowed per transaction (usually 20,000 to 30,000 THB) so you aren't paying the 220 THB fee multiple times. A crucial tip for travelers in Phuket: when the ATM asks if you want to use their "conversion rate," always select "Decline Conversion" or "No." This allows your home bank to handle the exchange rate, which is almost always significantly better than the "guaranteed" rate offered by the Thai ATM. For those who travel to Thailand frequently, opening a local bank account or using a specialized travel card that reimburses ATM fees is the best way to avoid these high costs.