CalcThai
calcthai.com · Thailand Exchange and Fee Calculator
Money & tax
Thailand Exchange and Fee Calculator
Compare two exchange quotes including fixed and percentage fees. Calculate net Thai baht received or the source-currency cost of card payments and ATM cash.
Like-for-like comparison
| Item | A | B |
|---|---|---|
| Quoted rate (THB / source unit) | 35 | 34.8 |
| Total extra fees, THB equivalent | 625.00 | 522.00 |
| Usable THB per source unit after fees | 34.375 | 34.278 |
Ask about this page
The AI assistant answers only questions about the calculator on this page.
Compare two quotes using the rates and fees you have actually been offered. Starting figures are examples, not live rates. Use the same source currency for A and B, with each rate expressed as Thai baht per 1 source unit. Choose receiving baht or paying / withdrawing baht to match your transaction.
How it works
Receive baht: deduct the percentage fee from the original source amount, subtract the fixed source fee, convert the remainder, then deduct the baht fee. Formula: (source amount × (1 − percentage/100) − source fee) × rate − baht fee.
Example: USD 1,000 at 35 THB/USD, with 1% + USD 5 + THB 100 in fees, delivers (1,000 − 10 − 5) × 35 − 100 = THB 34,375.
Card / ATM cost: add the baht fee to the purchase or cash amount, divide by the rate, apply the percentage surcharge to that converted amount, then add the fixed source fee. Formula: (baht amount + baht fee) ÷ rate × (1 + percentage/100) + source fee.
This models one transaction. Providers may use a different fee basis or apply minimums and caps. Check your quote first. Do not add a spread or DCC markup again when it is already in the rate. No live rates or bank-specific fee schedules are loaded.
Bank of Thailand references explain checking both sending and receiving fees; they do not supply the example rates or fees.
Frequently asked questions
Does the better exchange rate always deliver more baht?
No. Fixed or percentage fees can outweigh a better headline rate. Compare the same starting amount and include receiving fees.
How do I enter a rate quoted per 100 yen?
Divide that rate by 100. An illustrative quote of THB 23 per 100 yen becomes 0.23 THB per yen. These numbers illustrate units, not a current yen rate.
What if fees are already included in my rate?
Enter 0 for those fees and add only extra charges. For several transactions or a fee schedule with minimums and caps, calculate each transaction using its actual fees.
Sources
- Bank of Thailand — FCD all-in cost and sending / receiving fees
- Bank of Thailand — Daily exchange-rate reference data
Method last verified 14 Sep 2026