How to Withdraw Money in Thailand with Wise (Japan Guide)
This article was reviewed on 22 October 2025. Information may have changed since publication. Please verify with the relevant provider.
Planning your Thailand trip is exciting, but preparing cash for street food stalls and local markets can feel overwhelming. You might be wondering about currency exchange hassles or worrying about losing money on fees. While Thailand remains a popular destination for travelers from Japan, ATM fees can catch one off guard.
This is where the Wise card becomes your travel companion. If you're new to using Wise internationally, you might have questions: "Can I really withdraw money with Wise in Thailand?" or "What fees should I expect when I withdraw money with my Wise card?"
This comprehensive guide explains how to withdraw money in Thailand using your Wise card, including step-by-step ATM instructions, money-saving tips to minimize Wise ATM fees, essential precautions, and comparisons with traditional credit cards. Whether you're converting JPY for your trip or looking for the best way to access cash abroad, we'll show you how to withdraw money with Wise efficiently.
Learn more about the Wise Card 🚀
Can You Use Your Wise Card from Japan in Thailand?
Yes, your Japan-issued Wise card works seamlessly at any Mastercard-compatible store or ATM in Thailand. Wise supports over 40 currencies across 160+ countries worldwide, making it an ideal international payment solution. Whether you're shopping at Bangkok's malls or need to withdraw money with Wise at Thailand ATMs, your card functions just like it does in Japan.
The beauty of using your Wise card in Thailand lies in its versatility. From luxury department stores to local convenience stores, Mastercard acceptance means widespread usability throughout the country. As a traveler from Japan, you can confidently withdraw money in Thailand knowing your Wise card will work wherever Mastercard is accepted.
How to Withdraw Money from ATMs in Thailand Using Your Wise Card
When you withdraw money with Wise at Thailand ATMs, the process mirrors what you're familiar with in Japan. Your Wise card provides direct access to Thai baht from thousands of ATMs nationwide.
While Thailand's urban areas increasingly accept card payments, cash remains essential for authentic experiences. Street food vendors, local markets, tuk-tuks, and small family restaurants typically operate on a cash-only basis. Knowing how to withdraw money in Thailand with your Wise card ensures you never miss out on these local experiences.
Step-by-Step Guide: How to Withdraw Money with Wise in Thailand
Many Thai ATMs feature English and Japanese language options, making the withdrawal process straightforward for travelers from Japan. Here's your complete guide to withdraw money with Wise in Thailand:
- Insert your Wise card into the ATM slot
- Enter your 4-digit PIN and confirm with "ENTER"
- Select your preferred language: Choose "日本語" (Japanese) or "English"
- Choose transaction type: Select "現金引出" (Cash Withdrawal) or "CASH WITHDRAWAL"
- Select withdrawal amount: Pick preset amounts or enter a custom amount via "OTHER"
- Collect your money: Thai ATMs dispense cash first, then return your card
Pro Tip for Thailand: Request Smaller Denominations
When you withdraw money in Thailand, ATMs typically dispense 100, 500, and 1,000 baht notes. For street vendors and small purchases, having 100 baht notes proves invaluable. Consider withdrawing amounts like 2,900 or 4,900 baht to receive more small bills.
Best Thai Banks for Your Wise Card
While exchange rates remain consistent across Thai banks when using your Wise card, certain ATMs offer better accessibility and limits:1-4
- Bangkok Bank: Thailand's largest ATM network, ideal for rural areas
- Siam Commercial Bank (SCB): Higher withdrawal limits up to 30,000 baht
- Kasikornbank: Excellent airport coverage for immediate cash needs
- Krungsri (Bank of Ayudhya): Tourist-friendly locations with English interfaces
Most ATMs cap single withdrawals at 20,000-30,000 baht (approximately 92,400-138,600 JPY), regardless of your account balance.
1 baht = approximately 4.62 JPY at the point of writing
Understanding Wise Card Fees When You Withdraw Money in Thailand 5
Wise's transparent fee structure makes budgeting simple when you need to withdraw money with Wise during your Thailand travels.
Monthly allowance up to 30,000 JPY
| Withdrawal Count | Wise Fee |
|---|---|
| 1st and 2nd withdrawals | Free |
| 3rd withdrawal onwards | 70 JPY each |
Monthly withdrawals exceeding 30,000 JPY
| Withdrawal Count | Wise Fee |
|---|---|
| 1st and 2nd withdrawals | 1.75% of amount |
| 3rd withdrawal onwards | 70 JPY + 1.75% |
Wise vs Credit Cards: Real Cost Comparison 6-18
Understanding the true cost difference helps you make informed decisions about how to withdraw money in Thailand with Wise versus using credit cards.
| ATM Fee | Exchange Rate | Interest | |
|---|---|---|---|
| Wise Debit Card | 2 free withdrawals/month up to 30,000 JPY total | Mid-market rate Conversion fee: From 0.73% | None |
| Credit Card | 110 JPY (under 10,000 JPY) 220 JPY (over 10,000 JPY) | Card network rate May include markup | Typically 18.0% APR |
Note: Local Thai banks may charge their own ATM fees (typically 220 baht) regardless of your card type.
Why Wise Offers Better Value
The key difference lies in transparency and timing when you withdraw money with Wise in Thailand versus credit card cash advances.
Wise: See costs upfront, pay less overall
When planning to withdraw money in Thailand, the Wise app shows exact fees before confirmation. For example, converting 30,000 JPY might show a 251 JPY fee clearly displayed. No surprises, no hidden charges, no accumulating interest.
Your Wise card could even result in zero Wise ATM fees if you stay within the free monthly allowance and find ATMs without local charges.
Credit Cards: Hidden costs revealed later
Traditional credit card withdrawals involve multiple fee layers:
- Exchange rate markup (hidden in the rate)
- Cash advance fee (fixed amount per transaction)
- Daily interest charges (from withdrawal date)
- Local ATM fees (same as Wise)
These compound costs only become clear on your next statement, often totaling significantly more than expected.
Additional Benefits of Using Your Wise Card in Thailand
Beyond favorable fees, Wise enhances your Thailand experience in multiple ways:
- Real-time exchange rates without hidden markups
- Instant ATM access whenever cash runs low
- Free withdrawals within monthly limits
- App-based management for balance checks and transfers
- Security features including instant card locking
The money saved on exchange fees funds extra Thai massages, street food adventures, or island-hopping excursions. Since you can withdraw money with Wise at Thailand ATMs as easily as in Japan, there's no need to carry large amounts of cash.
The smartphone app manages everything from checking balances to converting currencies. After your trip, leftover baht converts back to JPY instantly, eliminating the hassle of keeping foreign currency. For travelers from Japan, this means you can withdraw money in Thailand without worrying about exchange office hours or unfavorable airport rates.
Making the Most of Your Wise Card in Thailand
Successfully using your Wise card in Thailand requires some preparation and awareness. Here are essential tips for travelers from Japan:
Before departure:
- Activate your card for international use
- Set up the Wise app with biometric login
- Add some Thai baht to your account for immediate use
- Note Wise's customer service contacts
During your trip:
- Always choose "local currency" (THB) at ATMs
- Decline "Dynamic Currency Conversion" offers
- Keep withdrawal receipts for tracking
- Use the app to monitor spending in real-time
Smart withdrawal strategy:
- Withdraw larger amounts less frequently to maximize free allowances and minimize Wise ATM fees
- Time withdrawals for when you need cash, not "just in case"
- Consider keeping emergency cash in your hotel safe
- Remember you can withdraw money with Wise at any Mastercard-compatible ATM
When you withdraw money in Thailand, following these tips ensures you get the most value from your Wise card while avoiding unnecessary charges.
Conclusion
Knowing how to withdraw money in Thailand with Wise empowers residents of Japan to explore Thailand without financial stress. Both Wise and traditional credit cards provide ATM access throughout Thailand, but the cost difference is substantial.
Credit card cash advances trigger immediate interest charges and hidden exchange rate fees. In contrast, when you withdraw money with Wise in Thailand, you benefit from transparent, lower costs with potential for completely free withdrawals within monthly limits.
Your Wise card serves as more than just an ATM card for travelers from Japan. It's a comprehensive financial tool for international living. By avoiding Dynamic Currency Conversion and planning withdrawals strategically, you maximize value while minimizing Wise ATM fees.
Ready to explore Thailand's treasures without worrying about money? Whether savoring tom yum soup at a riverside stall or negotiating prices at Chatuchak Market, Wise ensures your money goes further.
Frequently Asked Questions
Can I use my Japan-issued Wise card in Thailand?
Absolutely! Your Wise card issued in Japan functions at all Mastercard-compatible ATMs and merchants in Thailand. With Wise operating in 160+ countries, international usage is seamless and reliable.
How much does it cost to withdraw money in Thailand with Wise?
When you withdraw money with Wise at Thailand ATMs, enjoy free withdrawals for your first two transactions monthly (up to 30,000 JPY total). Subsequent withdrawals cost just 70 JPY each. Amounts exceeding 30,000 JPY monthly incur a 1.75% fee.
Is Wise better than using a credit card for cash withdrawals in Thailand?
Yes, Wise typically offers superior value. While credit cards add hidden margins to exchange rates plus daily interest charges, Wise provides transparent mid-market rates with clear, upfront fees.
Do Thai ATMs charge additional fees when using Wise?
Some Thai banks charge local ATM fees (usually 220 baht) for international cards. This applies whether using Wise or credit cards. These fees are separate from Wise's own charges.
What's the maximum I can withdraw from Thai ATMs with Wise?
Thai ATMs typically limit single withdrawals to 20,000-30,000 baht (approximately 92,400-138,600 JPY). This limit applies regardless of your Wise account balance.
This article was created based on the Japanese article posted on July 14, 2025, using AI tools: https://payout-surge.live/jp/blog/withdraw-money-with-wise-in-thailand While our staff have proofread and edited this content to ensure accuracy and usefulness, we do not represent or warrant, whether explicitly or implicitly, that this content is accurate, complete, or up-to-date. If you require professional opinions or advice, please consult a financial advisor or other specialists.
Sources
- Bualuang Self Service Machines
- PLANET SCB Card
- Branches and Service Channels - KASIKORNBANK
- Krungsri ATM | Bank of Ayudhya
- Wise Debit Card Fees: Payments Worldwide
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- Overseas Cash Advance | Credit Cards by Saison Card
- Notice of Overseas Transaction Fee Revision for Foreign Currency Shopping | Credit Cards by Saison Card
- Overseas Cash Advance | Credit Cards by Epos Card
- Notice of Transaction Fee Revision for Foreign Currency Shopping - Epos Net
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
