1. Debit card. All UnionPay cards in Thailand can be exchanged for Thai baht locally. The exchange methods are as follows:
1. Specialized exchange shops (small shops that say Exchange, but relatively speaking, they will still be higher than the normal international exchange rate) ;
2. There are many self-service ATMs on the street, but they need to have the UnionPay logo. Basically, green stores or teller machines have the most cost-effective exchange rates. It is recommended not to exchange at the airport, as the exchange rates will be very uneconomical.
But please note that if you use a local cash machine or a local bank to exchange money in Thailand, a handling fee will be charged (the local bank in Thailand and the Chinese card issuing bank will charge handling fees respectively). Generally, It ranges from RMB 10 to RMB 20 each time, depending on the payment methods of major banks. It is recommended to apply for a Hua Xia Bank Business Travel Card as a backup in case of emergencies. This card has one fee-free withdrawal and exchange every day at home and abroad. That is, this card has one exchange every day in Thailand and can waive the card issuing bank's handling fee. We only charge the handling fee of local teller machines in Thailand (about RMB6-10 yuan).
2. Credit card. Use a credit card for swiping purchases. This year, Bank of China launched a free travel credit card, which also has the same function (i.e. reduction of foreign exchange fees, but the total number of times is limited), and it uses a chip. This kind of card will be relatively safe for overseas consumption, because the barcode card is used abroad. It has been confirmed that it has been decrypted by some criminal groups, so use chip cards as much as possible for safety. In addition, if there are UnionPay card machines in most regular large supermarkets or hotels and restaurants, you can use this card. The exchange rate is instantaneous, the points will be doubled, and the handling fees will be discounted. Recently, there are also cash return activities ( There will be different discount stages at different times, it is recommended to call Bank of China for enquiries).
Therefore, it is recommended that you prepare some cash, a credit card, and a debit card for travel.