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ATMs & Currency Exchange
ATMs, cash tips and currency exchange advice for visitors to Pai.
Needs ReviewLast verified August 1, 2026
Pai has several ATMs in the town center. Currency exchange is more limited than in Chiang Mai or Bangkok, so it's best to arrive with enough cash or withdraw on arrival.
ATMs in Pai
ATMs are easy to find in Pai's town center, especially near the main road and 7-Eleven. Most accept international cards (Visa, Mastercard).
LocationTown center, near 7-Eleven and main road
Cards acceptedVisa, Mastercard (most international cards)
Withdrawal limitTypically 20,000-30,000 THB per transaction
Foreign card fee200-250 THB per withdrawal (bank surcharge)
Currency Exchange
Currency exchange counters are less common in Pai than in Chiang Mai. Some banks and guesthouses may offer exchange services, but rates may be less favorable. For the best rates, exchange money in Chiang Mai or Bangkok before arriving in Pai.
Best optionExchange in Chiang Mai or Bangkok before arriving
In PaiLimited options — check with banks or guesthouses
CurrencyThai Baht (THB)
Practical Tips
- Withdraw cash in Chiang Mai before heading to Pai — ATMs in Pai can occasionally run out during holidays.
- Notify your bank that you'll be using your card in Thailand to avoid blocks.
- Keep small bills — many shops, restaurants and songthaews prefer cash.
- Some guesthouses only accept cash — check before booking.
- Thai ATMs charge a withdrawal fee (typically 200-250 THB) for foreign cards.
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