US dollar traveller cheques can be conveniently cashed at all provincial banks and authorised money changers. Traveller cheques in other currencies are best changed in Bangkok where better rates prevail. Generally, hotel exchange rates are lower than those offered by banks and authorised money changers.
Major international credit cards, such as American Express, Diners, Carte Blanche, Master Card and VISA are accepted by major banks, restaurants, hotels and shops.
Thai and foreign banks provide standard services nationwide, Monday through Friday, except public and bank holidays, between 9.30 AM and 3.30 PM.
Major banks such as Bangkok Bank, Thai Danu Bank, Thai Farmers Bank and Siam Commercial Bank operate currency exchange centres in most tourist areas from 7.00 AM to 9.00 PM, seven days a week, including holidays.
Many first-class hotels provide 24-hour money exchange services, but only for major currencies such as American dollars, British pounds, German marks and Swiss francs. Travellers cheques are generally accepted only from bona fide hotel quests.