Start from an example Bangkok weekend 3 days, ฿3,000 a day A week in Phuket 7 days, ฿4,000 a day Chiang Mai, slow 10 days, ฿2,000 a day
ATM fee and withdrawals
7 days at ฿4,000 a day: ฿28,000
S$1,063.80 at the mid-market rate
What the trip’s baht costs in S$, each way to pay, cheapest first Way to pay Costs you More than mid-market At the mid-market rateThe yardstick: nobody gets quite this. S$1,063.80 – All on a card with no FX feeYouTrip or Trust, paying in baht. About this much. About S$1,063.80 No fee, at its own rate Cash from a Thai ATM, 2 withdrawalsA no-FX-fee card, plus ฿250 a time in Thai bank fees (฿500 in all). About this much. About S$1,082.80 +S$19.00 All on a Singapore bank cardUp to 3.25% on top. About this much. About S$1,098.38 +S$34.58
Your own spending a day: the examples are only starting points. Most trips mix these: cash for the first day and small shops, a card for the rest. Flights and hotels paid before you go aren’t in it.