Banks & ATM
There are 36 licensed banks in Thailand. ATMs are plentiful and located just about everywhere. Most Thai ATMs will deliver a maximum of 20 banknotes per withdrawal, so the practical limit of an ATM withdrawal is 20,000 baht. Most Thai banks now charge a 220 baht fee per withdrawal when you use their ATMs with a foreign card.
MasterCard and Visa are the most widely accepted credit cards in Thailand, followed by American Express. Most hotels, restaurants and western shops accept all of these, especially in tourist destination areas. Although it is impossible to pay by card while shopping in local markets, using a taxi (or local transportation) or staying in a small resort/beach bungalows so make sure you got enough cash to cover these kinds of spending