How Much Cash Do You Need for Your First Trip to Thailand?
Planning your first trip to Thailand? One of the most common questions travelers have is, “How much cash should I bring?” While Thailand is modernizing rapidly with cashless payment options available in many places, cash is still essential, especially for street food, markets, and rural areas.
In this guide, we’ll break down the amount of cash you may need, typical travel expenses, and how to manage your money efficiently during your trip.
目次
1. Do You Need to Carry Cash in Thailand?
Thailand is gradually moving toward a cashless society, but cash is still widely used. Here’s when and where you’ll need cash:
- Street food stalls & local markets – Many small vendors only accept cash.
- Taxis, tuk-tuks, and motorbike taxis – Most of them don’t accept credit cards or QR payments.
- Small shops & rural areas – Outside of major cities, digital payments are less common.
- Entrance fees for temples & attractions – Some places require cash payment.
- Tips & small purchases – While tipping isn’t mandatory, small cash tips are appreciated.
For major hotels, restaurants, and shopping malls, credit cards are widely accepted.
2. How Much Money Should You Bring for Your Trip?
The amount of cash you need depends on your travel style. Here’s a rough estimate based on daily expenses:
| Travel Style | Daily Budget (THB) | Daily Budget (USD, approx.) |
|---|---|---|
| Budget Traveler | 800 – 1,500 THB | $22 – $42 |
| Mid-Range Traveler | 2,000 – 4,000 THB | $55 – $110 |
| Luxury Traveler | 5,000+ THB | $140+ |
For a one-week trip, consider bringing:
- Budget traveler: 6,000 – 10,000 THB ($165 – $275)
- Mid-range traveler: 14,000 – 28,000 THB ($385 – $770)
- Luxury traveler: 35,000+ THB ($960+)
It’s best to bring a mix of cash and credit/debit cards to ensure smooth transactions.
3. Breakdown of Common Travel Expenses
Here’s an estimate of typical costs in Thailand:
Accommodation
- Budget hostel: 250 – 500 THB/night ($7 – $14)
- Mid-range hotel: 1,500 – 3,000 THB/night ($40 – $80)
- Luxury resort: 5,000+ THB/night ($140+)
Food & Drinks
- Street food meal: 40 – 100 THB ($1 – $3)
- Local restaurant: 150 – 300 THB ($4 – $8)
- Western restaurant: 300 – 1,000 THB ($8 – $28)
- Beer: 70 – 150 THB ($2 – $4)
Transportation
- BTS/MRT train fare: 16 – 59 THB ($0.50 – $1.60)
- Tuk-tuk ride: 100 – 300 THB ($3 – $8)
- Taxi ride (metered): 50 – 200 THB ($1.50 – $5.50)
- Domestic flight: 1,000 – 3,500 THB ($28 – $100)
Activities & Attractions
- Temple entry fee: 50 – 200 THB ($1.50 – $5.50)
- Island hopping tour: 1,500 – 3,500 THB ($40 – $100)
- Thai massage (1 hour): 200 – 800 THB ($5.50 – $22)
- Nightlife (drinks & entry): 500 – 2,000 THB ($14 – $55)
These costs can vary depending on location (Bangkok, Phuket, Chiang Mai, etc.), but they provide a good starting point.
4. Cash or Card? Payment Methods in Thailand
Thailand offers multiple payment options, and knowing when to use them can help manage your budget effectively.
When to Use Cash:
✔️ Street markets & food stalls
✔️ Public transportation (tuk-tuks, motorbike taxis)
✔️ Small local shops
✔️ Tips & donations at temples
When to Use a Credit/Debit Card:
✔️ Hotels & resorts
✔️ Shopping malls & major restaurants
✔️ Online bookings & flight tickets
✔️ Large supermarkets & department stores
Many businesses also accept QR code payments via Thai banking apps, which is becoming increasingly popular.
5. Tips for Handling Money Safely
- Exchange Money Wisely – Use reputable exchange counters like Super Rich or Kasikorn Bank instead of airports (which offer lower rates).
- Withdraw Cash as Needed – ATMs are widely available, but international withdrawal fees range from 150 – 220 THB per transaction ($4 – $6), so withdraw in larger amounts.
- Carry Small Bills – Many vendors struggle to give change for large notes like 1,000 THB, so keep smaller denominations handy.
- Use a Travel-Friendly Card – Cards like Revolut, Wise, or Charles Schwab offer low international fees.
- Be Cautious of Pickpockets – Keep your cash in a secure money belt or wallet, especially in crowded markets and public transport.
Conclusion
While Thailand offers modern cashless payment options, carrying cash is still necessary for street food, transportation, and smaller vendors.
A mid-range traveler should budget around 14,000 – 28,000 THB ($385 – $770) for a one-week trip, with cash for daily expenses and a credit/debit card for larger payments.
By planning your expenses wisely and handling money safely, you’ll enjoy a hassle-free experience on your first trip to Thailand!
（Photo by Unsplash.com）
