Compare Debit / ATM Cards
Compare fees, bundled insurance and card networks across Thai ATM / debit cards (data from Bank of Thailand)
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About Debit / ATM Cards
ATM and debit cards look interchangeable at a glance, but they differ in several ways. Annual fees vary by bank — some cards charge none at all — and some bundle free accident insurance with no extra premium. The card network, such as Visa, Mastercard or a domestic network, affects where it's accepted and the fees charged for spending or withdrawing cash abroad. On top of that, fees for withdrawing across regions or across banks within Thailand also vary by card.
CheckDi compiles ATM and debit cards from banks across Thailand using the Bank of Thailand's public product data, so you can compare fees, cover and networks from every card in one place, free of charge.
How to choose Debit / ATM Cards
- Check the annual fee and its waiver conditions — some banks charge none at all, others waive it if you keep a minimum balance in the account.
- See what insurance cover the card bundles in, such as accident cover, since some cards include it free with no extra premium.
- Match the card network to how you use it — if you travel abroad often, an international network like Visa or Mastercard is usually accepted more widely.
- Compare cross-region and cross-bank ATM withdrawal fees if you often need to withdraw outside your home area or bank.
- If you'll use the card to spend or withdraw abroad, also check the currency-conversion fee.
- Match the card tier to how you'll actually use it — higher tiers usually carry higher fees and limits, while a standard card may be enough for basic use.
