Tourist areas often accept cards while markets and transport may prefer cash. Verify ATM and card policies with your bank before you leave home.
Practical tips
Withdraw baht from reputable ATMs
Use bank-affiliated ATMs when possible and shield your PIN. If one friend withdraws cash for the group, treat it as a shared expense only when everyone agreed to pool money.
Keep smaller notes for markets and transport
Vendors may not break large bills. Splitting street-food runs is easier when someone logs the total paid in your expense group.
Cards at hotels and tours
Lodging and many tour operators accept cards. Record the payer in KupaPay so room blocks, boat trips, and group activities stay fair.
Agree on tipping politely
Tipping customs differ from many Western countries. When a service charge is included on a group bill, split that receipt like any other shared meal.
Track shared trip costs in KupaPay
Create a group, log who paid what, and let KupaPay simplify settle-up — on iPhone, Android, and the web.