Established since 2010. Home delivery is free above £750 with a postal charge of £7.50 for orders below £750, and . Payment for your currency can be made via Visa, Mastercard, Apple Pay or Google Pay with no additional fees. There are also no charges if you pay using the “pay by bank app” or for making a manual bank transfer.
Established in 1972. Home delivery is free above £700 with a postal charges of £6 for orders below £700. Click and collect is available via their London W2 office.
Established since 2010. Home delivery and payment via bank transfer is free. There is no “click & collect” service available.
eurochange is one of the UK leading travel money providers. Part of the Western Union family, we deliver value, convenience and exceptional service, from Click & Collect (in as little as 60 seconds) and home delivery services, to our network of 240+ UK branches. Get great rates across the market widest range of currencies with eurochange.T&Cs apply. Subject to availability. Home delivery free above £600 with postal charges of £6 for orders below £600. .
NM Money, part of the eurochange and Western Union family, is your travel money specialist. Get great rates when you buy and sell currency in a choice of 240+ UK branches, or order online for Click & Collect or home delivery. From Western Union international money transfers to exchanging over 50 currencies, NM Money is here to help make your money go further.
T&Cs apply. Subject to availability.Home delivery is free above £600 with postal charges of £6 for orders below £600
The Post Office has provided travel money services in conjunction with First Rate Exchange Services since 1994. Home delivery is free above £500 with a postal charge of £4.99 for orders below £500. “Click and collect” is available at 100’s of Post Offices throughout the UK. Check to see if this service is available near you.
Travel money services offered in conjunction with Travelex. Home delivery is free above £500 with a postal charge of £4.99 for orders below £500. Asda has over 500 stores throughout the UK – check to see if the “click and collect” service is available at a store near you.
Tesco provide travel money services in conjunction with Travelex. Home delivery is free above £500 with postal charges of £4.99 for orders below £149 and £3.95 for orders below £500. Tesco has over 2,500 stores throughout the UK. Check to see if ‘click & collect’ is available at a store near you (they do offer a slightly better rate for clubcard customers).
Part of the John Lewis partnership and provide travel money services via John Lewis Finance and First Rate Exchange Services. Home delivery is free above £500 with postal charges of £5.50 for orders below £500. Waitrose and John Lewis have over 350 stores and ‘click & collect’ is available at a selected number of these stores (usually at the service desk)
Provide travel money services via John Lewis Finance and First Rate Exchange Services. Home delivery is free above £500 with a postal charge of £5.50 for orders below £500. Waitrose and John Lewis have over 350 stores and “click & collect” is available at a selected number of stores -check to see if there is one near you.
Sainsbury’s Bank travel money is now owned and operated by one of Europes largest travel money businesses Fexco. Home delivery is free above £500 with a postal charge of £4.99 for orders below £500. ‘Click & collect’ is available in Sainsbury’s stores throughout the UK.
Established since 2018. Home delivery is free above £750 with a postal charge of £7.50 for orders below £750. Available for “click and collect” from their office in Datchet.
The best Thai Baht exchange rate today is 43.8082 from TravelFX. This is based on a comparison of 12 UK based currency suppliers sourced by besttravelmoney.com and assumes you were buying £750 worth of Thai Baht for home delivery. Rates are correct as at 12:01 13 November 2026.
These rates are from a panel of providers on besttravelmoney.com
Thailand is more of a cash economy than a card one, which is not to say that cards don’t work, as they do (and contactless acceptance is growing). In large cities and resorts you will find card acceptance in hotels, restaurants, and some shops.
Once you go off the beaten track, try to take a taxi or go to a small shop or market, you will need cash. You will be charged a fixed fee for withdrawing money from an ATM (around £5) in addition to any charges by your UK bank. It could be advisable to take additional travel money with you and withdraw larger amounts from an ATM less frequently.
Bring some Thai Baht but use a comparison site first. Don’t wait until the airport. Use a comparison site like besttravelmoney.com to check the best exchange rates in the UK before you go. Rates vary significantly, and a few minutes online can save you £20–£50 depending on how much you exchange.
Comparing providers to find the best Thai Baht exchange rate in the UK before travelling often delivers better value than waiting until arrival
Large hotels, restaurants and shops will all accept cards in Thailand, but many shops, bars, markets and transport options will be cash only. Thailand remains a cash dominated economy particularly when you travel outside main cities and resorts.
Some Thai merchants add fees for card payments. This is legal but must be displayed.
Use the right cards and avoid overseas fees. For example, a Barcalycard rewards credit card does not charge for overseas use in shops and restaurants.
You may also be offered the choice to pay in GBP or Thai Baht at checkout. Always select Thai Baht. Paying in pounds triggers what’s called ‘dynamic currency conversion’, which typically results in a significantly worse rate.
Contactless is growing in Thailand, but there is still some way to go. Contactless Limit 1,500 Baht (£35).
Mobile payments (Apple Pay, Good Pay, etc) don’t work in Thailand yet.
Always keep enough cash on you in case you find yourself at a shop, tourist destination or restaurant that doesn’t accept cards. If you are travelling to rural areas, top up your cash before you leave as ATMs will be harder to find in rural areas.
Some travellers take £ or US Dollars in cash with them when they travel so they can exchange them when they get to Thailand. If you do you will then need to shop around to get the best exchange rate when you arrive (If you do decide to bring £ sterling notes with you, be aware that Scottish or Northern Ireland notes may not be accepted at Bureau de Changes). This can be time consuming and costly.
Thailand has over 80,000 ATMs, cash is very common and so you should have no problem in large cities and resorts finding an ATM. Many convenience stores have ATMs, although, if possible, try to find one at a bank branch. ATMs are harder to find in rural areas so top up with cash before you leave a city.
Always check your ATM withdrawal limit. If a transaction gets declined, check you have not asked for too much money. For example, let’s say you’re card’s ATM limit is £250, and you try to withdraw 11,000 Thai Baht. Based on the current exchange rate that would be £260, so over your ATM limit and the transaction will get declined without saying why. It’s easy to think there is something wrong with your card or your account. But if you try again for 10,000 Thai Baht, it should work.
ATMs are widely available, but they are not cheap.
To reduce costs:
Mobile and QR payments in Thailand
Thailand is a regional leader in QR-code payments, mainly via the national PromptPay system. These are widely used by locals, even at street stalls.
However, UK tourists cannot use PromptPay, as it requires a Thai bank account. Popular Thai e-wallets such as TrueMoney are also not designed for short-term visitors.
A newer option, TAGTHAi EASY PAY, allows tourists to preload funds and pay via QR at participating merchants. Uptake is growing, but cash remains the most reliable option
Is tipping expected in Thailand?
Tipping is not compulsory, but it is appreciated in certain situations.
Carrying smaller Thai Baht notes makes tipping easier and discreet.
For most UK travellers, Thailand is best managed with a cash-first mindset and smart card use:
One final tip is to withdraw an amount that isn’t a round number. For example, if you withdraw 10,000 Thai Baht you will probably get 10, x 1,000 Thai Baht notes (around £24), which might be hard to use. If you ask for 9,500 Thai Baht you should get some lower denomination notes which will be ideal for taxis or tuk-tuks.
Thailand offers excellent value, but only if you avoid unnecessary charges. Planning and comparing exchange rates will maximise your budget.
Generally yes – but be discreet. Keep your notes in separate wallets or pockets.
Yes, if it’s Visa or Mastercard. American Express is less widely accepted.
Yes. Most charge a fixed local fee per withdrawal, making multiple small withdrawals costly.
Generally no. Most QR systems require a Thai bank account, though limited tourist options are emerging.
Always choose Thai Baht to avoid poor exchange rates.
If you’re exploring beyond Thailand, we also provide access to the best prices for Malaysian Ringgits , Vietnamese Dong , and Indonesian Rupiahs .
Over the past 30 days, the pound has strengthened against the Thai Baht. The best Thai Baht rate rose by 0.90%, from 43.4173 on 15 October 2026 to 43.8082 on 13 November 2026.
This means £1 buys more Thai Baht today than it did at the start of the period.
On a £750 purchase, you would receive about ฿32,856.15 today, around ฿293.18 more than on 15 October 2026.
Thai Baht rates moved around during the month, ranging from 43.4173 on 15 October to 44.3503 on 4 November. That shows why checking live rates before you buy can make a real difference.
Last refreshed at 12:00 on 13 November 2026.