Cost details
What to do
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Check the current operator fee
Check the fee for your exact card and withdrawal before confirming. Krungsri's official Thai schedule effective 1 September 2026 lists THB 350 per transaction for foreign-issued Mastercard and THB 250 for foreign-issued Visa, UnionPay and JCB at Krungsri ATMs. We read and visually checked the aligned rows on page 6 on 14 September 2026.
The March 2026 English schedule lists those same amounts. The older July 2025 tariff grouped Visa/Mastercard at THB 250; that earlier figure is historical. The September schedule retains the March fee-amendment footnote, so its effective date does not mean these withdrawal amounts first changed in September. None of these documents sets another bank's fee or your card issuer's charges.
Identify any conversion offer
Dynamic currency conversion (DCC) offers to convert a withdrawal into your card's home currency. Visa says the disclosure must show the amount in both currencies, the currency symbols, the exchange rate and any additional fee or markup. You must be able to accept or decline the conversion yourself.
If required details are missing or you feel pressured to choose the conversion, Visa recommends declining DCC and reporting the incident to your card issuer. Declining a conversion offer is separate from abandoning the withdrawal: Visa says accepting or declining DCC does not affect your ability to withdraw cash.
Keep the three cost layers apart
Before confirming, distinguish the machine owner's stated charge, any terms imposed by the card issuer, and the conversion choice displayed for the transaction. Combining them into one vague 'ATM fee' makes it impossible to know which part of the cost you are evaluating.
Read your card issuer's terms independently. Visa's DCC page does not supply the ATM fee or the charges for your particular debit or credit card. A home-currency amount can look familiar, but familiarity does not establish which conversion is cheaper for your account. Compare the actual offer with your own issuer's terms.
Pause if the choice is unclear
Do not use a dated example as permission to proceed when the current screen differs. Read the actual fee, conversion amount and currency selection before you confirm. If a screen leaves you unsure what you are accepting, pause and ask your card issuer or the ATM operator for clarification.
ATM tariffs, card-network processes and issuer pricing can change independently. Recheck the operator tariff before quoting its figure, and compare the current transaction screen with the terms of the card you will actually use.
Dates, responsibility & checking method
Evidence
Sources
5 dated records support the material facts on this page.
- Re: Service fees, charges and penalties related to deposits, lending and other services charges (opens in a new tab)
Bank of Ayudhya Public Company Limited (Krungsri)primary documentChecked
Changed — verify the current detail - Decoding Dynamic Currency Conversion | Visa Travel (opens in a new tab)
Visaofficial operatorChecked
- Krungsri electronic banking service fees, effective 11 March 2026 (opens in a new tab)
Bank of Ayudhya Public Company Limited (Krungsri)primary documentChecked
Changed — verify the current detail - Service Fees | Bank of Ayudhya (opens in a new tab)
Bank of Ayudhya Public Company Limited (Krungsri)official operatorChecked
- Krungsri electronic banking service fees, effective 1 September 2026 (Thai) (opens in a new tab)
Bank of Ayudhya Public Company Limited (Krungsri)primary documentChecked