How to exchange Thai baht is the most cost-effective? How to exchange RMB for Thai baht?

To go to Thailand, you must first exchange Thai baht, but there are various strategies to exchange Thai baht online. Today, Bian Xiao will talk to you about how to exchange Thai baht. Let's go and have a look with Bian Xiao.

Thai dollars are exchanged for Thai baht. After arriving in Thailand, US dollars are directly exchanged for Thai baht. This exchange rate is the best. The exchange rate of USD market value 100 and 50 can reach 1:33, while other small USD exchange rates are lower. Pay attention to show your passport when changing money. In Bangkok, the best exchange rate bank is the super rich, and there is no handling fee. The super-rich at Suvarnabhumi Airport in Bangkok is in B.

In terms of line passing, in addition, the downtown area of Bangkok is also around Watergate BigC and BTSAsok stations, at BTS.

There is also one at the intersection of Liuxiang or Baxiang in Sukunyi near Nana Station. On the lunar calendar in Shanghai, "We can speak Chinese" is posted. However, there are no super-rich people in some cities in Thailand. At this time, it is necessary to compare the exchange rates of several commodities against currencies and then exchange them. Another thing to note is whether there is a handling fee. The exchange rates of some exchange points are really good, but SuperRich is a bit inferior. It is definitely the best to have US dollars in hand, but if you are going to change RMB into US dollars in Xi 'an, China, and then take it to Thailand to change it into Thai baht, there will be two exchange rate conversions here, so you should pay attention to see if it is more cost-effective. It is best to exchange dollars to offset the exchange difference when the travel time is high, except for expert traders.

Because the US dollar exchange rate of every bank in China is different, you can check the real-time exchange rate before RMB is converted into US dollars. At least you need to find a bank that is higher than the US dollar exchange rate of UnionPay. SuperRich official website can click to view it, and here you can also view the real-time exchange rate of US dollars to Thai baht.

If you are still worried about the amount of cash you carry at customs clearance, you can also exchange RMB directly into US dollars in China and then into Thai baht after you arrive in Thailand. Another function of the US dollar is to pay the hotel deposit. Thai baht is also acceptable, but the deposit is not refundable before check-out. Usually at this time, the tour is over and I don't often go to Thailand. How to spend the returned Thai baht is also a problem.

The second way to exchange RMB for Thai baht in Thailand is to directly exchange RMB for Thai baht in Thailand, which is not recommended. Comparing the exchange rates of the super-rich and UnionPay on the same day, sometimes it is the same, sometimes UnionPay is better, but rarely it is higher than UnionPay. If RMB is exchanged for Thai baht, it is necessary to compare several companies, and the RMB exchange rates at different exchange points are quite different. Relatively speaking, the super rich are better. Don't exchange RMB for foreign exchange in Elephant Island. Exchange rate super pit.

The third way to withdraw cash from ATM with UnionPay card is to withdraw cash directly from ATM with UnionPay card in Thailand. The UnionPay card mentioned here is a debit card and a savings card. There will definitely be a handling fee for ATM withdrawal. The handling fee here refers to the handling fee charged by domestic card-issuing banks, but some banks are free of handling fee. For example, the savings card issued by Sino-German Housing Savings Bank (Tianjin, Chongqing) is free of charge for cash withdrawal or inquiry at ATMs at home and abroad. This fee-free UnionPay card is definitely the first choice. Not only in Thailand, but also in Japan, Indonesia, Vietnam and other countries, it can be confirmed that there is no handling fee. Cash withdrawal fees of major banks: click to view, but to be on the safe side, I suggest you consult the issuing bank's overseas cash withdrawal policy and whether your UnionPay card has the overseas cash withdrawal function.

However, it is not enough to charge only this handling fee. Another charge is the handling fee charged by overseas banks. At present, all ATMs in Thailand except "Bank of China (Thailand)" are charged a handling fee of 150 baht, which is still charged on a transaction basis. The handling fee for withdrawing 150 baht or withdrawing 30,000 baht at a time is 150 baht, so it is most cost-effective to withdraw the upper limit of a single ATM withdrawal at a time. Please refer to the website for ATM charges and single withdrawal limit in Thailand: click to view.

In addition to the single withdrawal limit of ATM machines, we should also pay attention to the single withdrawal limit and daily withdrawal limit of domestic card-issuing banks. For example, the bank in China stipulates that the limit of each withdrawal is 5,000 yuan, so the maximum limit of an ATM can only be 5,000 yuan (the exchange rate changes in real time, so you can calculate it yourself). If it exceeds 5,000 yuan, another sum will be taken, but the ATM will charge a handling fee of 150 baht again.

Domestic exchange of Thai baht Only ICBC and BOC can exchange Thai baht in cash. In terms of exchange rate, ICBC is generally superior to UnionPay and BOC. See here for the Thai baht exchange rate of relevant banks: click to view, if ICBC can exchange Thai baht in your city, it can exchange it directly, otherwise, go to the ATM in Thailand to withdraw cash.

Summary: USD cash > domestic ICBC is better than ATM cash withdrawal (the issuing bank is free) and better than RMB cash.