Calculate your Thai Baht (THB) conversion with custom fees and rates.
Your home currency (USD, EUR, GBP, etc.)
How many Baht do you get for 1 unit?
Bank fee or kiosk commission (0 if none)
Fixed fee per transaction (e.g., ATM fee)
Gross Amount:
Percentage Fee:
Flat Fee:
Net Amount Converted:
Total Thai Baht Received:
Effective Exchange Rate: THB / 1 Unit
function calculateThaiBaht() {
// 1. Get input values
var amountInput = document.getElementById("foreignAmount").value;
var rateInput = document.getElementById("exchangeRate").value;
var feePercentInput = document.getElementById("exchangeFee").value;
var feeFlatInput = document.getElementById("flatFee").value;
// 2. Validate inputs
if (amountInput === "" || rateInput === "") {
alert("Please enter both the Amount and the Exchange Rate.");
return;
}
var amount = parseFloat(amountInput);
var rate = parseFloat(rateInput);
var feePercent = parseFloat(feePercentInput) || 0;
var feeFlat = parseFloat(feeFlatInput) || 0;
if (isNaN(amount) || isNaN(rate) || amount < 0 || rate < 0) {
alert("Please enter valid positive numbers.");
return;
}
// 3. Calculation Logic
// Calculate Percentage Fee value
var percentFeeValue = amount * (feePercent / 100);
// Total Fees in foreign currency
var totalFees = percentFeeValue + feeFlat;
// Net Amount to be converted
var netAmount = amount – totalFees;
// If fees exceed amount
if (netAmount 0) {
effectiveRate = totalTHB / amount;
}
// 4. Update DOM
document.getElementById("resGross").innerHTML = amount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("resPercFee").innerHTML = "- " + percentFeeValue.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("resFlatFee").innerHTML = "- " + feeFlat.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("resNet").innerHTML = netAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("resTotalTHB").innerHTML = "฿ " + totalTHB.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById("resEffectiveRate").innerHTML = effectiveRate.toLocaleString(undefined, {minimumFractionDigits: 4, maximumFractionDigits: 4});
// Show result container
document.getElementById("resultContainer").style.display = "block";
}
Understanding Thai Baht (THB) Exchange Rates
Whether you are planning a holiday to Phuket, a business trip to Bangkok, or retiring in Chiang Mai, understanding how to calculate your exchange rate to Thai Baht (THB) is essential for budgeting. The Thai Baht is the official currency of Thailand, denoted by the symbol ฿.
This Thailand Exchange Rate Calculator helps you determine exactly how much cash you will receive after bank fees, ATM charges, and exchange commissions are deducted. Unlike standard currency converters that show the "interbank rate" (a rate you rarely get as a consumer), this tool allows you to input the actual rate offered by your bank or money changer along with specific fees.
How to Use This Calculator
Amount to Convert: Enter the amount of your home currency (e.g., 1,000 USD, 500 EUR, 200 GBP) you intend to exchange.
Exchange Rate: Look up the current "Buying Rate" for THB. This is how many Baht you get for one unit of your currency. You can find this on signs at money exchange booths or your bank's app.
Exchange Fee (%): If you are using a credit card with a foreign transaction fee (usually 2.5% to 3%), enter that here. If exchanging cash at a "No Fee" booth, enter 0.
Flat Fee: If you are withdrawing from an ATM in Thailand, there is often a flat fee (typically 220 THB, which you should convert roughly to your home currency, or any fee your home bank charges for withdrawals).
Top 3 Tips for Exchanging Money in Thailand
1. Avoid "Dynamic Currency Conversion" (DCC)
When using an ATM or paying by card in Thailand, the machine may ask: "Do you want to be charged in THB or your home currency?" ALWAYS choose THB (Thai Baht). If you choose your home currency, the Thai bank applies a terrible exchange rate, often costing you 5-7% more.
2. Superrich is Your Friend
In Bangkok, the currency exchange chain Superrich (specifically the Green and Orange colored booths) typically offers the best exchange rates for cash, far superior to airport bank kiosks. If you bring cash (USD, EUR, GBP), make sure the notes are crisp, clean, and new. Thai money changers often reject torn or old banknotes.
3. The 220 Baht ATM Fee
Almost every ATM in Thailand charges a fee of 220 THB (approx. $6-7 USD) for foreign cards. This is in addition to whatever your home bank charges. To minimize this cost, withdraw the maximum amount allowed (usually 20,000 or 30,000 THB) in a single transaction rather than making multiple small withdrawals.
Common Exchange Rate Terms
Buying Rate: The rate the bank pays you when you sell them foreign currency (buying Baht).
Selling Rate: The rate the bank charges you when you want to buy foreign currency back (selling Baht).
Spot Rate: The current market price for immediate delivery of currency.
Is it Better to Exchange Home or in Thailand?
Generally, it is better to exchange your money in Thailand. Exchange rates for Thai Baht in the US, UK, or Europe are usually poor compared to the rates you get upon arrival in Bangkok. For the absolute best rates, bring cash and exchange it at a reputable money changer in the city center, or use a travel card (like Wise or Revolut) at an ATM while declining the conversion prompt.