On this page
Thailand accommodates very different travel budgets. Bangkok, Chiang Mai, Phuket and the islands do not have the same prices, and accommodation rises in peak season and around holidays. Check current amounts for your dates and use Thai baht as the main reference, as currency conversions change daily.
Building a budget
| Category | Limited budget | Mid-range budget | Comfortable budget |
|---|---|---|---|
| Accommodation | Dormitory or simple room | Mid-range hotel | Resort, villa or higher-category hotel |
| Food | Markets and local restaurants | Local and tourist restaurants | Hotel restaurants and special meals |
| Transport | Public and shared transport | BTS/MRT, ferries and ride-hailing | More taxis, private transfers or flights |
| Activities | Temples and independent visits | Admission, massages and an excursion | Diving, private boats or guided visits |
Budget separately for domestic flights, ferries, national parks, courses and water activities. On islands, transport and imported goods may cost more than in inland cities.
Cash, cards and QR payments
Cash remains important at markets, food stalls, small businesses and on local transport. Hotels, shopping centres and tourist-oriented businesses accept cards more often, sometimes with a stated minimum purchase or surcharge.
QR payments are widespread, but many systems require a Thai bank account. Do not assume that a foreign wallet will work. Carry a second card and enough cash to manage an app or terminal failure.
ATMs and currency exchange
ATMs from major banks generally accept international networks and usually show a local fee before confirmation. That fee and the transaction limit can change; your own bank may also charge for withdrawal and conversion.
To control costs:
- review your card's current charges;
- avoid repeated small withdrawals when a fixed fee applies;
- choose baht when the ATM offers conversion to your home currency, unless your card's terms indicate otherwise;
- do not withdraw more than you can store safely.
At exchange offices, compare the net amount and buying rate. A passport may be required. Exchanging a small amount at the airport for convenience does not mean changing the entire budget there.
Transport and negotiation
In Bangkok taxis, request the meter where applicable and confirm who pays tolls. For tuk-tuks and some local transport, agree the total price before leaving. There is no valid bargaining percentage for every market; decline calmly if the price does not suit you.
Motorbike rental also involves a deposit, fuel, insurance and potential damage. Ride only with the required licence, helmet and suitable cover; the low rental price does not represent the full risk.
Commonly missed costs
- Transfers between airports, piers and accommodation.
- National park, island or protected-area fees.
- Checked luggage on low-cost flights.
- Hotel or rental deposits.
- Tolls and airport surcharges.
- Insurance and medical treatment.
Checklist
- ☐ Budget calculated by destination and season
- ☐ Bank fees and limits reviewed
- ☐ Two cards stored separately
- ☐ Baht available for arrival and small purchases
- ☐ Flights, ferries and excursions budgeted separately