A roll of multiple U.S. 5 dollar bills, secured with a rubber band.

How to Save Money in Thailand: 11 Practical Tips

Thailand is known for being a cheap destination, but that doesn’t mean you won’t spend a lot of money. With all the luxury nightlife and dining options, it’s no wonder that tourists and expats sometimes break the bank. Whether you’re living here permanently or are just on vacation, here are 11 ways to save money in Thailand.

1. Eat Local

With Food Panda and Grab delivery, it’s as easy as ever to splurge at home. Though these options are relatively cheap (compared to your home country, probably), they tend to add up. These days, it seems like every meal I order ends up costing 300 baht (~$8 USD), which isn’t too much different than home. It goes without saying that street food is delicious, affordable, and ubiquitous. Just get up and walk outside. Prices for local food usually hover around 60 baht (~$1.50 USD) per dish.

A couple dishes of Thai food on a table.

2. Use Public Transportation

Personally, I never use public transportation, but I’m going to advise you to do so anyway. Though taxis, and motorcycle taxis, are cheap, it’s more affordable and safer to take the major transit lines (MRT, BTS, Airport Link, etc.). Buses, too.

A BTS train arrives into the station.

3. Choose Budget Accommodations

You can always stay in a worse place! Or, you can use Couchsurfing and Workaway, and pay nothing at all.

4. Stop Drinking

This one is hard for a lot of people. After quitting drinking for a few months, money piled up in my bank account. One bad decision usually leads to another.

A wide selection of liquor choices behind a bar.

5. Limit ATM and Currency Exchange Fees

If you use a foreign card in Thailand and try to withdraw money, it’s nothing short of a rip off. The fees are generally around 200 baht (~$6 USD) per transaction, so you can save money by pulling out more than you would usually. Currency exchange fees can add up quickly, so it’s best practice to reduce the number of transactions. If you’re American, I recommend Fidelity’s Cash Management Account. They will refund you for transaction fees abroad, so then you won’t have to worry about it.

A man exchanges his money at a currency exchange.

6. Shop at Local Markets

Shopping at local markets in Thailand can significantly lower your grocery bills, especially when compared to purchasing from supermarkets. These markets offer fresh produce, meat, and fish at lower prices, though you may have to haggle a bit to get the best prices.

A narrow street market with food stalls and produce.

7. Use Loyalty Programs and Discounts

Many businesses in Thailand offer loyalty programs that can help you save money. Restaurants, hotels, and stores often have loyalty cards that give discounts and special offers. Additionally, websites like Agoda and Booking.com have promotions for hotels often.

8. Travel During Low Season

Traveling during the low season, typically from May to September, can save you a lot of money on flights, accommodations, and other activities. Prices are generally lower during this time, and tourist spots are less crowded.

9. Avoid Imported Goods

Stick to local products and avoid imported goods, which tend to be more expensive due to import taxes. Local brands of food, clothing, and other goods are usually much cheaper and often just as good in quality.

10. Limit Your Use of Air Conditioning

Air conditioning can increase your electricity bill significantly if you’re staying in an apartment or rented accommodation for a long time. It can get especially expensive if you’re a homebody, so use fans when possible.

11. Learn Basic Thai

Learning a few basic Thai phrases can help you avoid tourist prices. Locals appreciate the effort and may be more likely to offer discounts.

The Bottom Line

Saving money in Thailand is possible with the right approach and some thoughtful planning. Whether you’re here for a short vacation or settling in for the long term, these strategies can help you make the most of your earnings.

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