The baht and its exchange rate
Guides consulted in 2026 give a rate of about 33 to 37 baht to the US dollar. It moves: check it with a converter on the day you travel. Money changers generally quote a rate 0.5 to 1% below the market rate, according to a May 2026 expat guide; bank transfers are less favourable.
Withdrawing money from ATMs
Thai ATMs generally charge a flat fee per withdrawal: the amount varies by bank and card, and sources contradict each other: it is shown on the ATM before you confirm. It is better to make a few large withdrawals (the limit is often 20,000 to 30,000 baht) than many small ones, and to check your own bank's fees. If the ATM offers to convert into your currency, decline and choose baht.
Changing money
Exchange counters in Patong, Phuket Town and malls such as Central Phuket or Jungceylon offer better rates than hotels; compare two or three counters and keep the receipt. Carry small notes: drivers and markets do not always have change.
Card or cash
A card is enough in malls and hotels, but keep cash for the Lard Yai Sunday market, taxis and tuk-tuks, temple entrances, massages and excursions booked locally. Some merchants add a surcharge for card payments: ask first. To estimate spending, see the Phuket budget.
Tipping
Tipping is not compulsory in Thailand. Our sources gave no reliable scale: check whether the bill already includes a service charge (often around 10% in hotels and pricier restaurants); if not, leaving small change, for example by rounding up the bill, is appreciated. For taxis, agree the price before leaving and do not pay more than agreed; see scams and safety in Phuket and getting around Phuket.
FAQ
Which currency should I use in Phuket?
The Thai baht. Euros and dollars are accepted in only a few places, at a poor rate.
How much is the ATM fee?
The amount varies by bank and card; check on the ATM, which shows the fee before you confirm, and with your bank.
Should I tip?
It is not compulsory; check whether service is already included on the bill.
