Money, ATMs, and cards
The currency is the Thai baht (THB). Cash still rules for markets, street food, songthaews, and small shops, though hotels, larger restaurants, and tour operators increasingly take cards. ATMs are plentiful in tourist areas but Thai banks charge a fixed foreign-card withdrawal fee per transaction (on top of your home bank's fees), so withdraw larger amounts less often. Many places add a surcharge for credit-card payment. Currency-exchange booths (e.g. in Chaweng and Nathon) often give better rates than airport or hotel exchange. The QR-based PromptPay/mobile-payment system is common locally but generally needs a Thai bank account. Keep small notes for songthaews and markets.
⚠ Verify live
Exchange rates, ATM fees, and surcharge amounts change — verify live / handled by a human.
General information, not legal advice. Laws and practice change; for a decision that matters, confirm with the authority named in the sources or a licensed professional.