Thailand - Changing Money in BKK - Swampy

Hi All,

We usually change our Canadian $ to baht before we leave (3 weeks from now). This time I was going to try to do it at BKK in the hopes of getting a better exchange rate as we are only getting 27.7 baht per CDN dollar here in Calgary. We'll be arriving on TG F from FRA and will be waiting in the F lounge for our flight to Hat Yai where we go through customs (as it's an international airport and the first time we see our luggage). Can anyone recommend a place to change money without the need to go through customs at BKK? I imagine we could get a better rate downtown but as long as it's better than what we'd get here in Calgary, we'd prefer not to be rushing around in between flights.

Thanks!

BKK bank branches all give the same rate -- at 1 THB/USD less than in town. Right now you're looking at 30.2 THB/USD. Sorry, I do not know the rate for CAD.

There is a branch (of unknown origin - SCB?) right opposite the outlet of the East Transfer security area and there are others spaced around the international area.

My recommendation would be only to get a minor amount at the airport and fill in the rest of your cash later. Of course if you're only planning on spending a minimal amount of the cash the poor exchange rate won't be as problematic.

Edit: you're not going through transfer security. Oi. Anyway, you'll find myriad bank outlets in the domestic area with the exact same rate. Unless you're attempting to catch a 7AM flight in which case the branches might not yet be open.

BKK bank branches all give the same rate -- at 1 THB/USD less than in town. Right now you're looking at 30.2 THB/USD. Sorry, I do not know the rate for CAD.

There is a branch (of unknown origin - SCB?) right opposite the outlet of the East Transfer security area and there are others spaced around the international area.

My recommendation would be only to get a minor amount at the airport and fill in the rest of your cash later. Of course if you're only planning on spending a minimal amount of the cash the poor exchange rate won't be as problematic.

Unfortunately we are immediately going to a little Island with no access to ATM's and with surcharges on credit cards. Cash is king there so we need to get it all in BKK and/or Hat Yai in the small amount of time we have.

I believe SCB (Siam Commercial Bank) and TMB (Thai Military Bank) still have exclusive rights for financial services at SBIA. You can check current exchange rates on their web-sites.

And the AOT (Airports of Thailand) web-site, for SBIA, shows the locations of the outlets. I am honestly not sure which have ATMs.

http://www.suvarnabhumiairport.com/indoor_map_bank_en.php

There are facilities in the secure area (international airside). I think you arrive on level 2, so you can see the locations. It looks like the intersections of concourses ABCD and DEFG have a concentration of services.

You will have to pay a 150 baht surcharge, in addition to any fees your home bank may add on.

I believe SCB (Siam Commercial Bank) and TMB (Thai Military Bank) still have exclusive rights for financial services at SBIA. You can check current exchange rates on their web-sites.

And the AOT (Airports of Thailand) web-site, for SBIA, shows the locations of the outlets. I am honestly not sure which have ATMs.

http://www.suvarnabhumiairport.com/indoor_map_bank_en.php

There are facilities in the secure area (international airside). I think you arrive on level 2, so you can see the locations. It looks like the intersections of concourses ABCD and DEFG have a concentration of services.

You will have to pay a 150 baht surcharge, in addition to any fees your home bank may add on.

I read OP's comments to mean they'd be exchanging money, not using an ATM, in which case every exchange booth offers the exact same rate.

There are several exchange booths (and ATMs) in the D concourse stretch of the domestic area about 50 meters west of the A/B/C/D confluence.

We can do ATM's, exchanges and/or both. Couldn't just be ATM's as we are there for a month and will need more than the daily ATM allowance. Trying to find out what would be the best bang for the buck from the available options on the pre-customs side of Swampy.

In my frequent travel in SE Asia (BKK in Sept 2011) I find the best rate is for USD $100 bills. The rate is not as good for smaller denominations.
The rate offered for CDN$ is worse than changing CDN$ to US$ and then Baht.

I always have a collection of B. Franklin portraits when I travel around SE Asia.

Swampy ATM charges 150Baht fees on top of what your home bank charges. There might also be daily maximum imposed by the ATM or you bank.

In my frequent travel in SE Asia (BKK in Sept 2011) I find the best rate is for USD $100 bills. The rate is not as good for smaller denominations.
The rate offered for CDN$ is worse than changing CDN$ to US$ and then Baht.

I always have a collection of B. Franklin portraits when I travel around SE Asia.

Swampy ATM charges 150Baht fees on top of what your home bank charges. There might also be daily maximum imposed by the ATM or you bank.

Yep, we definitely need more than the daily ATM allowance. So the question becomes is the rate better from the ATM (with all the fees) vs. a money exchange place on the concourse before going through customs into Thailand (we'll be doing that in Hat Yai)? If it is, we max out our ATM allowances and get the rest from the exchange shop otherwise we get it all from the exchange shop as it sounds like the rates there are much better than the ~28Baht per CDN dollar we can get here.

We can do ATM's, exchanges and/or both. Couldn't just be ATM's as we are there for a month and will need more than the daily ATM allowance. Trying to find out what would be the best bang for the buck from the available options on the pre-customs side of Swampy.

Many ATMs have a limit of 10K THB per withdrawal, each of which you'll be charged 150 THB, which means you're paying a 1.5% penalty before your bank assesses their fees. With an exchange (again, in USD) you're looking at a 3% discrepancy versus the exchange in town.

What you'll need to figure out is this: Do the BKK ATMs also give a lower rate than in town?

In my frequent travel in SE Asia (BKK in Sept 2011) I find the best rate is for USD $100 bills. The rate is not as good for smaller denominations.
The rate offered for CDN$ is worse than changing CDN$ to US$ and then Baht.

I always have a collection of B. Franklin portraits when I travel around SE Asia.

The best rates are for $100/$50. Both denominations will receive the same rate.

Swampy ATM charges 150Baht fees on top of what your home bank charges. There might also be daily maximum imposed by the ATM or you bank.

It's not just in BKK, it's at every Thai based banks' ATMs except for Aeon Bank.

What you'll need to figure out is this: Do the BKK ATMs also give a lower rate than in town?

Since I don't have access to town I think I just need to figure out whether the currency exchange booths give better deals than the ATMs accessible in our pre-customs situation. Hopefully someone has experience with this and will pipe up.

Thanks for all the feedback so far! :)

Since I don't have access to town I think I just need to figure out whether the currency exchange booths give better deals than the ATMs accessible in our pre-customs situation. Hopefully someone has experience with this and will pipe up.

Thanks for all the feedback so far! :)

What i intended to say, poorly, was that since the airport bank mini-branches give a worse rate than in town, and you'll also pay 150 THB per transaction, the key question is: Do the associated ATMs also give the same low rate... and that's what you've posed above.

If the ATMs will also give you the 'normal rate minus 1.0 THB' then I'd recommend bringing as much cash as you feel comfortable carrying. It will be a better deal than using the ATM.

You keep mentioning 'pre-customs' but that has no bearing on your scenario. All banks in the airport, whether in the international or domestic areas, give exactly the same rate.

In fact, even having not gone through customs (which you'll do upon picking up your bags in HDY) you will go through immigration in BKK and then can wander anywhere in the airport or outisde.

Your best bet for exchange is, in order:
1) bank exchange off BKK grounds
2) bank exchange in Hat Yai
3) ATM in Hat Yai
3) exchange at BKK
4) ATM in BKK

Here is a very informative site

http://bankexchangerates.daytodaydata.net/default.aspx

Since I don't have access to town I think I just need to figure out whether the currency exchange booths give better deals than the ATMs accessible in our pre-customs situation. Hopefully someone has experience with this and will pipe up.

Thanks for all the feedback so far! :)

Ooops. I overlooked the requirement for forex vs. ATM, but there are forex booths in the locations indicated on the map. Generally SCB gves slightly better rates than TMB but the difference is miniscule.

I have never been to Had Yai so am not sure what facilities are at the airport there? http://www.airportthai.co.th/hat_yai/en/interative_map.html

My best estimate, as of today at the airport (BKK), would be 30.8 (baht per CAD) for an ATM transaction before any fees (150 THB here plus anything your bank adds), and 30.3 for a forex transaction.

I have limited ATM experience here but my limit is imposed by my U.S. financial institution, $500, so I've been getting 15,000 THB. I use AEON so no 150 baht ATM fee. Yesterday (1/4/12) my effective rate was 31.29 THB per USD.

Anyway, much better rates than exchanging in Canada.

Ooops. I overlooked the requirement for forex vs. ATM, but there are forex booths in the locations indicated on the map. Generally SCB gves slightly better rates than TMB but the difference is miniscule.

Each and every branch at the airport gives exactly the same rates. AoT sets the rates and the banks adhere. Shopping the various exchange booths is a waste of time in BKK.



My best estimate, as of today at the airport (BKK), would be 30.8 (baht per CAD) for an ATM transaction before any fees (150 THB here plus anything your bank adds), and 30.3 for a forex transaction.

Rates were 30.2 THB/1 USD on Tuesday. I'm guessing they haven't changed at all so far.

Whereas, Superich is giving 31.48.


Anyway, much better rates than exchanging in Canada.

Yes, of that you've no argument here.

Rates were 30.2 THB/1 USD on Tuesday. I'm guessing they haven't changed at all so far.


FWIW, I was referencing CAD<-->THB rates, and what the OP might expect with his CAD.

I am not familiar with forex alignment at SBIA via AoT; I was referencing SCB - TMB rates from their respective web-sites, along with some historical experiences. Honestly there is not much to shop as only two banks operate at SBIA.

Yes, Superrich at Ratchadamri ( and not their other outlets ) did close today at 31.40 for USD, and 30.55 for CAD. These rates do vary throughout the day, but are hardly useful for the OP who has neither USD nor the time, and associated cost, to head into town.

You'll also do better with travelers checks, if you are able to get them before you leave. For example, just checked Kasikornbank's rates for CAD. 30.34 for cash, but 30.69 for travelers checks.

You'll also do better with travelers checks, if you are able to get them before you leave. For example, just checked Kasikornbank's rates for CAD. 30.34 for cash, but 30.69 for travelers checks.

Unless using a higher denomination all that savings will be eaten up by the stamp fee. For the numbers you give the additional 35 THB received per $100 is likely what the fee is.

Thanks so much all. I'll do some digging into banks in downtown Hat Yai. Not sure what time they'd close as we should be at our hotel, Centara, around 3 - 3:30pm. If the Hat Yai banks won't be open then sounds like the exchange booths in Swampy is the way to go.

Thanks again!

Unless using a higher denomination all that savings will be eaten up by the stamp fee. For the numbers you give the additional 35 THB received per $100 is likely what the fee is.

Right, Dsquared37, completely forgot. So for USD, am I better off with $100 bills in cash or $500 travelers checks, both the largest denominations available?

You going to be around second half of February?

The additional fee for exchanging travelers checks is 33 baht per check, for any denomination.

The additional fee for exchanging travelers checks is 33 baht per check, for any denomination.


Which, with a $100 TC, would completely negate any 'better rate' that the TCs were being exchanged for. TC's effectively receive a better rate when using a denomination >$100.

Which, with a $100 TC, would completely negate any 'better rate' that the TCs were being exchanged for. TC's effectively receive a better rate when using a denomination >$100.

Yes, the break-even point here is ~ $130 USD factoring in the 33 baht fee, assuming you were able to get the TC's without any fee. TC's obviously offer additional features/value.

RoninTech: I assume you are monitoring the current weather/flooding situation in the South? From the TV reports it looks quite bad.

Hi All,

We usually change our Canadian $ to baht before we leave (3 weeks from now). This time I was going to try to do it at BKK in the hopes of getting a better exchange rate as we are only getting 27.7 baht per CDN dollar here in Calgary. We'll be arriving on TG F from FRA and will be waiting in the F lounge for our flight to Hat Yai where we go through customs (as it's an international airport and the first time we see our luggage). Can anyone recommend a place to change money without the need to go through customs at BKK? I imagine we could get a better rate downtown but as long as it's better than what we'd get here in Calgary, we'd prefer not to be rushing around in between flights.

Thanks!

I can't see you ever getting a better rate changing your dollars to Thai baht in Canada unless someone screws up. I do know there are bank money changers available at Suvarnabhumi 24 hours a day for arrivals and for departures. When you change your dollars at one of these many bank money changers there is no real commission to pay either.

I have been to Hat Yai several times but not at the airport. How much time do you have between flights? At Suvarnabhumi there are even some bank money changers near where the carousels are located between immigration and customs. For transit passengers I believe there were bank money changers near the stores selling the expensive stuff that you pass by on the way to your gates. There are ATM's available that could tide you over to you reach a bank money changer in Hat Yai.

There is no fixed rate for changing your currency to Thai baht. The rate you get today has little bearing on what you will get 3 weeks from now. The exchange rates change every working day, either up or down. The rate you get at the airport should be identical to the same bank in the city for that same time and date. You cannot compare rates you get one day against the rate you get another day or another week later even at the same bank. There can be some variation between different bank companies.

I like travelers checks and can get them without any charge from my credit union. If you do bring them only bring the largest denomination you can get. There is a 33 baht fee to cash a travelers check so don't waste it on $5 or $10 checks. Stick with the $100 or $200 sizes at least. Travelers checks when changed in Thailand get a hair more in exchange than ordinary cash. Compared to the 150 baht fee for using an ATM a 33 baht changing fee is pretty cheap.

Here is a link to various bank exchange rates. The rates on these charts are adjusted at least every working day. Find your currency and see what the current rate is. Super Rich is a private money changer.

http://bankexchangerates.daytodaydata.net/default.aspx

I think it would be easier on you to spend at least a day or two in Bangkok instead of flying out immediately to Hat Yai. I never found Hat Yai to be that interesting other than a few days of transit en route to Malaysia or a train stop layover. Hat Yai is very popular with Malaysians who go there for the nightlife and alcohol.

You obviously didn't read, nor even parse through, the responses so here goes:

... I do know there are bank money changers available at Suvarnabhumi 24 hours a day for arrivals and for departures. When you change your dollars at one of these many bank money changers there is no real commission to pay either.

This has been discussed extensively and yes, there is a commission of sorts. The exchange in BKK, at every single little booth, is exactly 1 THB/ 1 USD less than the banks exchange rate outside of the airport.

I have been to Hat Yai several times but not at the airport. How much time do you have between flights? At Suvarnabhumi there are even some bank money changers near where the carousels are located between immigration and customs. For transit passengers I believe there were bank money changers near the stores selling the expensive stuff that you pass by on the way to your gates. There are ATM's available that could tide you over to you reach a bank money changer in Hat Yai.

:rolleyes:

There is no fixed rate for changing your currency to Thai baht. The rate you get today has little bearing on what you will get 3 weeks from now. The exchange rates change every working day, either up or down. The rate you get at the airport should be identical to the same bank in the city for that same time and date. You cannot compare rates you get one day against the rate you get another day or another week later even at the same bank. There can be some variation between different bank companies.

Thank you for the little bit of high school intro to econ. But the fact is the underlined portion is completely and totally untrue. See above.

I like travelers checks and can get them without any charge from my credit union. If you do bring them only bring the largest denomination you can get. There is a 33 baht fee to cash a travelers check so don't waste it on $5 or $10 checks. Stick with the $100 or $200 sizes at least. Travelers checks when changed in Thailand get a hair more in exchange than ordinary cash. Compared to the 150 baht fee for using an ATM a 33 baht changing fee is pretty cheap.

Yes, discussed already blah blah blah....

Here is a link to various bank exchange rates. The rates on these charts are adjusted at least every working day. Find your currency and see what the current rate is. Super Rich is a private money changer.

http://bankexchangerates.daytodaydata.net/default.aspx

yes, posted already upthread (and the site is updated multiple times daily).

I think it would be easier on you to spend at least a day or two in Bangkok instead of flying out immediately to Hat Yai. I never found Hat Yai to be that interesting other than a few days of transit en route to Malaysia or a train stop layover. Hat Yai is very popular with Malaysians who go there for the nightlife and alcohol.

OP never asked for itin help, they simply wanted to know the best way to exchange money. And, just to help ya a little, OP is heading to an island which, one would guess, most easily accessed from HDY. That was present in OP's second posting, just in case you missed it. ;)

Next time read the OP and responses. Thank you.

dsquared37 is right. We are going to Hat Yai as it is then just a 1.5 hr taxi/mini-van ride to the Andaman coast from where we take a ferry to our island. We've been to Hat Yai many times and have had some good times there. To each their own I guess. We are stopping in BKK on the way home so Mrs. RoninTech can do her annual MBK shopping frenzy. :)

Sirhalberd, since you are familiar with Hat Yai, any idea what time the banks close on a Friday? We've always shown up in Thailand with our Baht so have never needed to use banks there before. We should be in downtown Hat Yai (Centara) around 3-3:30pm on the Friday we get there. We leave at 9am for the coast the next morning so no time for any running around and since it's a Saturday I imagine the banks wouldn't be open anyway?

Thanks again to all responders.

dsquared37 is right. We are going to Hat Yai as it is then just a 1.5 hr taxi/mini-van ride to the Andaman coast from where we take a ferry to our island. We've been to Hat Yai many times and have had some good times there. To each their own I guess. We are stopping in BKK on the way home so Mrs. RoninTech can do her annual MBK shopping frenzy. :)

Sirhalberd, since you are familiar with Hat Yai, any idea what time the banks close on a Friday? We've always shown up in Thailand with our Baht so have never needed to use banks there before. We should be in downtown Hat Yai (Centara) around 3-3:30pm on the Friday we get there. We leave at 9am for the coast the next morning so no time for any running around and since it's a Saturday I imagine the banks wouldn't be open anyway?

Thanks again to all responders.

Considering the prevalence of tourism in Hat Yai, specifically from Malaysia and Singapore, I'd be very surprised if there wasn't a glut of exchange booths, at the least.

Like I said earlier, the one time I was there the streets were piled high with debris so the town that I saw was quite different from the normal place.

The rate offered for CDN$ is worse than changing CDN$ to US$ and then Baht.

Changing from CDN to THB is not bad value. Certainly better than changing currencies twice. For the Canadian traveler to Thailand, there is no reason to exchange into US first, in fact it just wastes money in transaction fees.

Many ATMs have a limit of 10K THB per withdrawal

Most ATMs in Thailand have a 20 bill per transaction limit. Bangkok Bank has 25 bill per transaction limit. This means that the maximum is 20,000 on most machines, and 25,000 on Bangkok Bank. I have seen the odd Aeon machine that will dispense 40 bills at a time, which is great if you want to minimize the (at home) transaction fees.

RoninTech: I assume you are monitoring the current weather/flooding situation in the South? From the TV reports it looks quite bad.

Yeah we've been there before during flood years but always after it has subsided. We try to avoid the area until mid January. We have over 2 weeks to go before we get there and since we've passed the typical rainy season things should be better by then.

Knock on wood...:eek:

Today's rates at SCB in Swampy:

USD--> THB 30.60 (cash) 31.60 (T/C)
CAN--> THB 30.39 (cash) 30.75 (T/C)

Today's published rates for SCB (anywhere but in swampy):

USD--> THB 31.45 (cash)

Today's published rates for Superich:

USD--> THB 31.88 (cash)

It appears that TC's are a good option in the airport.

I honestly did not know that TMB and SCB offered lower rates at the airport, adding what is now currently a 3% service charge, on USD anyway. I guess I'm not shocked or surprised, but certainly disappointed.

The 'spread' at a money changer in town is ~ 10 satang (100 satang = 1 baht), while at a bank in town it might be ~ 65 satang, at the airport it was 1.6 baht (on Saturday)!

The Travelers Check rate was the same at the SCB branches at the airport, and those in town, 31.42 when I looked at both on Saturday.

FWIW, most savvy Thais head up to Soi Phradiphet (Saphan Kwai, yes there was once a bridge for buffaloes here ;) ) for cash exchanges, but the rates are only microscopically better than SuperRich in Ratchadamri. Not worth the trouble IME unless you are exchanging thousands of Euros.

Is there any difference in the ATM exchange rate at BKK compared to in town?

I am well aware of the 150 baht charge, but am curious if the ATM exchange rate is less at the airport like the currency exchange booths.

Got in touch with our hotel in Hat Yai and they confirmed that the banks will be open when we get there. So best case Hat Yai bank, worst case Hat Yai ATM.

Thanks again everyone! ^

Is there any difference in the ATM exchange rate at BKK compared to in town?

I am well aware of the 150 baht charge, but am curious if the ATM exchange rate is less at the airport like the currency exchange booths.

I would also like to know the answer to this question

deleted

Is there any difference in the ATM exchange rate at BKK compared to in town?

I am well aware of the 150 baht charge, but am curious if the ATM exchange rate is less at the airport like the currency exchange booths.

I believe the answer is no. It is MC or Visa that sets the exchange rates, not the banks (either your bank or bank that operates ATM)

Several years back, I experimented with this and IIRC, every transaction posted with rates that matched rates published by MC/Visa, irrespective of bank or bank location (I regularly withdraw @ BKK because I believe it to be safer against skimming - maybe/maybe not)

Now on the other hand, there is a difference between MC and Visa rates due to the way I believe they calculate intra-day rates.

I believe the answer is no. It is MC or Visa that sets the exchange rates, not the banks (either your bank or bank that operates ATM)

Several years back, I experimented with this and IIRC, every transaction posted with rates that matched rates published by MC/Visa, irrespective of bank or bank location (I regularly withdraw @ BKK because I believe it to be safer against skimming - maybe/maybe not)

Now on the other hand, there is a difference between MC and Visa rates due to the way I believe they calculate intra-day rates.

Thanks for the reply. Are you saying MC or Visa sets the exchange rate for ATMs? I assumed the bank set the rate for the ATM card (if not a Visa or MC being used in the ATM).

I was not aware until recently that BKK exchange booths gave a lesser rate than the banks in town. I was just curious if BKK ATMs operate the same way.

When I need to pull cash out of the ATM at the airport (when I do not have enough Baht left over from a previous trip), I go ahead and pull out a large amount to avoid another 150 baht charge later. Even if the ATM exchange rate is different, now that I think about it the rate differential probably would not be enough to offset another 150 baht charge....

More curious than anything....not talking about thousands of baht in my case.

Anyone else have any experience?

Thanks for the reply. Are you saying MC or Visa sets the exchange rate for ATMs? I assumed the bank set the rate for the ATM card (if not a Visa or MC being used in the ATM).

Sorry for the confusion. I was talking about ATM, not credit cards. MC and Visa run the interbank network for ATM cards as well - e.g. Cirrus/Plus respectively. Your ATM card will probably display one of these logos on the back of your card. MC/Visa publish daily exchange rates they use for posted transactions using their network (ATM or CC). My experience has been that my ATM withdrawals appear to match that.

If you have a need to withdraw cash internationally, perhaps you should look at banking options that rebate you the fee e.g. Schwab/CapOne etc as many of us here have. Or use Aeon Bank in Thailand (they don't charge the 150B fee) - their ATMs though, even when present in a location, can be hard to spot because it's just often a free-standing kiosk. Tip: look for clusters of ATM kiosks, they are often clustered together with other smaller banks' ATMs.

I believe the answer is no.

I agree. An ATM withdrawal from an SCB or TMB ATM within the airport would yield the same net USD debit as an ATM outside the airport. Both would include the 150 THB fee of course.

As a single data point: I did an AEON withdrawal yesterday (full branch with two ATM machines within, Terminal 21/Asoke BTS, LG014, lowest retail level: http://www.terminal21.co.th/main/directory ) so no 150 THB fee, my rate was 31.58094, SuperRich was 31.40 for $100 bill, I was there yesterday also, exchanging Euros.

This is a nice website, where you can see the differences between the exchange rates from bank to bank: Bank foreign currency exchange rates (http://bankexchangerates.daytodaydata.net/default.aspx)

Sirhalberd, since you are familiar with Hat Yai, any idea what time the banks close on a Friday? We've always shown up in Thailand with our Baht so have never needed to use banks there before. We should be in downtown Hat Yai (Centara) around 3-3:30pm on the Friday we get there. We leave at 9am for the coast the next morning so no time for any running around and since it's a Saturday I imagine the banks wouldn't be open anyway?


I always came in by train when I was in Hat Yai. I stay in the area not far from the Robinson Department store which is not far from the train station. I don't recall any problem finding a bank to change money over. The last time I was in Hat Yai was when the airports were closed in Thailand and I had to make it to Singapore to fly home. Years before that I made a couple border visa runs. Some banks may have evening hours like in Bangkok and other cities where tourists are around.

When I am in Thailand I use two different debit cards from my home credit unions. Those credit unions pay for some of my overseas ATM fees too. Also they issue travelers checks without any fees too. They have a withdrawal limit of $500 per day. If needed, using both cards, I could get a thousand dollars a day from an ATM. Even with the 150 baht fee, around $5, that is not too bad to have immediate access to the equivalent of $500 cash.

I found a link that said there was an Aeon Bank available:

The main AEON office is in Niphat Uthit 1 Road and there is an AEON branch and ATM in Carrefour.

(Some Carrefour Malls are converted to Big C now.)

There are some banks on this rough map:
http://jadn.co.uk/w/HatYaiStreetMap.htm#map

And here: http://www.bankthailand.info/travel/Songkhla-Bank.htm




Have a nice holiday.