- Joined
- Oct 12, 2003
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I find it's better to take out as much as possible when you use the atm, it saves you from having to go back and paying another 150 baht, plus whatever your bank charges you...mine is 5 dollars. most atms here have a limit of 20,000 baht. But i also have a room i'm staying in by myself....you might not want to carry 650 bucks around in your suitcase.
It depends on your bank. For example, I use USAA and I get any withdrawal side ATM fee refunded back to me, regardless of country. No ATM transaction fee, and only a 1% fee on the foreign withdrawal.
On the other hand, with my other, less foreign transaction friendly bank, I get hit with the withdrawal side ATM fee, my bank's ATM fee and a 2% fee on the foreign withdrawal.
The following advice, I would have considered paranoid until it actually happened to me, TWICE. Use only major ATMs that are inside major banks. Whatever you do, do not hit a seedy ATM just outside a entertainment district. I used one of my cards once and ONLY once at a seedy ATM and my card details AND my PIN were skimmed. Within a week, people were withdrawing money from my account in Hong Kong and Vancouver using my PIN. This also happened to me once in Cambodia. Now in SE Asia, I will not use an ATM unless I can see that there is no possibility of there being a card skimmer.