Backpacking Southeast Asia? Most places only accept cash, and withdrawing money from the wrong ATM can cost £5+ per transaction.

💰 Here’s where to find the cheapest ATMs in Thailand, Vietnam, Indonesia, and more!

💡 ATM fees were last checked in February 2025, based on traveler reports and bank websites. Always check the ATM screen before withdrawing.

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Best ATMs for Backpackers by Country

Country	Best Low-Fee ATM ✅	Fee Per Withdrawal	Avoid These ATMs❌
🇹🇭 Thailand	AEON Bank	฿150 (~£3.30)	Bangkok Bank, Krungsri (฿220–฿250)
🇻🇳 Vietnam	TPBank, VPBank	Free up to 3M VND, then ~£2	Vietcombank (~£3)
🇮🇩 Indonesia	BNI, Mandiri, CIMB Niaga	IDR 30,000 (~£1.50)	BCA, Maybank (IDR 50,000+)
🇲🇾 Malaysia	Maybank, HSBC	MYR 5 (~£0.90)	CIMB (MYR 10+)
🇰🇭 Cambodia	ABA Bank	$4–$5	ACLEDA, Canadia Bank ($5+)
🇵🇭 Philippines	BPI, Metrobank	₱250–₱300 (~£3.50–£4.20)	HSBC (₱300+)

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ATM Withdrawal Tips for Backpackers

✔️ Withdraw the maximum amount allowed – Fewer transactions = fewer fees.
✔️ Always choose ‘Local Currency’ when paying – Avoid poor conversion rates.
✔️ Use ATMs inside banks or malls – Safer than street ATMs.
✔️ Have a backup card – ATMs sometimes reject foreign cards for security reasons or worse they might get stuck in the ATM. We suggest the best travel cards here.

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Final Verdict: Where to Withdraw Cash in Southeast Asia?

Country	Best ATM Choice
🇹🇭 Thailand	AEON Bank (฿150 fee)
🇻🇳 Vietnam	TPBank, VPBank (Free up to 3M VND)
🇮🇩 Indonesia	BNI, Mandiri (IDR 30,000 fee)
🇲🇾 Malaysia	Maybank (MYR 5 fee)
🇰🇭 Cambodia	ABA Bank ($4–$5 fee)
🇵🇭 Philippines	BPI, Metrobank (₱250–₱300 fee)

 

💳 Pair this with a fee-free travel card (Starling, Revolut, Monzo) for the best savings! Check our FULL comparison travel cards guide.

💡Don't forget to keep your cards and valuable SAFE in a travel wallet.

🚀 Final check

 Not sure what to pack for your South East Asia Trip? Don't worry at Tribe Feel we got you:

• 🎒 The Ultimate Backpacking Packing List for Southeast Asia
• 🌅 South East Asia Travel Accessories Collection

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