Money & Exchange

1. แลกเงินได้ที่ไหนครับ / คะ

   Lâek ngoen dâi thî nǎi khráp / khá

   Where can I exchange money?

   Usage

   Use to find a currency exchange. Private booths like SuperRich often offer better rates than banks

   Grammar Note

   แลก = exchange, เงิน = money. ที่ไหน is a "where" question word placed at the end of the sentence

2. อัตราแลกเปลี่ยนวันนี้เท่าไหร่ครับ / คะ

   Àttra lâek plìan wan ní thâo rài khráp / khá

   What is today's exchange rate?

   Usage

   Check the rate before exchanging. Comparing a few booths can save money

   Grammar Note

   เท่าไหร่ asks for an amount or price. วันนี้ (wan ni) = today, inserted to specify timing

3. ตู้ ATM อยู่ที่ไหนครับ / คะ

   Tû ATM yù thî nǎi khráp / khá

   Where is the ATM?

   Usage

   Standard phrase to find a nearby ATM. Foreign cards are typically charged 220-250 THB fee

   Grammar Note

   ตู้ (tu) means "box-shaped machine" and works as a prefix: ตู้แลกเงิน = currency machine, ตู้เย็น = refrigerator

4. รับบัตรเครดิตไหมครับ / คะ

   Ráp bàt khredìt mǎi khráp / khá

   Do you accept credit cards?

   Usage

   Use at restaurants or hotels. Street stalls usually only accept cash

   Grammar Note

   ไหม (mai) at the end forms a yes/no question. It has a rising tone

5. ขอใบเสร็จด้วยครับ / ค่ะ

   Khǒ bai sèt dûai khráp / khâ

   Please give me a receipt

   Usage

   Use after a purchase to request a receipt, helpful for expense claims or returns

   Grammar Note

   ขอ (kho) is a polite request meaning "please give me". ด้วย (duai) adds "also" or "as well"

6. ทอนเงินผิดครับ / ค่ะ

   Thon ngoen phìt khráp / khâ

   The change is incorrect

   Usage

   Politely point out when you receive incorrect change

   Grammar Note

   ผิด (phit) is an adjective meaning "wrong". Its antonym ถูก (thuk) means "correct" or "cheap"

7. มีเงินทอนไหมครับ / คะ

   Mi ngoen thon mǎi khráp / khá

   Do you have change?

   Usage

   Use when you only have large bills and need smaller denomination change

   Grammar Note

   มี (have) + noun + ไหม (question particle) forms "Do you have ...?" questions

8. โอนเงินผ่าน QR Code ได้ไหมครับ / คะ

   On ngoen phàn QR code dâi mǎi khráp / khá

   Can I pay via QR code transfer?

   Usage

   Thailand's PromptPay QR system is widely used; many shops accept QR payments

   Grammar Note

   ผ่าน (phan) is a preposition meaning "via" or "through", equivalent to English "via"

9. ราคานี้รวมภาษีแล้วหรือยังครับ / คะ

   Raka ní ruam phasǐ láeo rǔe yang khráp / khá

   Does this price include tax?

   Usage

   Check before paying at hotels or restaurants. VAT at 7% is sometimes added separately

   Grammar Note

   หรือยัง (rue yang) checks whether something has been done. Often paired with แล้ว (laeo) = already

10. ลดราคาได้ไหมครับ / คะ

    Lót raka dâi mǎi khráp / khá

    Can you give me a discount?

    Usage

    Use at markets and stalls for bargaining. Not used in shopping malls where prices are fixed

    Grammar Note

    ลด = to reduce, ราคา = price. ได้ไหม politely asks for permission or possibility

11. จ่ายเงินสดหรือบัตรครับ / คะ

    Chài ngoen sòt rǔe bàt khráp / khá

    Cash or card?

    Usage

    Said by staff at the register. Answer "ngoen sot" (cash), "bat" (card), or "sakaen chai" (scan to pay) if using PromptPay QR

    Grammar Note

    "A rue B" forms an either/or question and needs no final ไหม. เงินสด = เงิน (money) + สด (fresh/raw), i.e. money on the spot. Being a question, female staff end with the high-toned คะ rather than ค่ะ

12. มีเงินย่อยไหมครับ / คะ

    Mi ngoen yôi mǎi khráp / khá

    Do you have smaller change?

    Usage

    Said by staff. Stalls, taxis, and markets often cannot break a 1000 baht note. Note the reverse of "mi ngoen thon mai khrap / kha" (do you have change?), where the traveller asks the shop for change. If you have none, say "mai mi khrap / kha"

    Grammar Note

    ย่อย means "small / broken down": แบงก์ย่อย = small notes, versus แบงก์ใหญ่ = large notes. The "มี + noun + ไหม" existence question is the same pattern as "mi ngoen thon mai khrap / kha" (do you have change?)

13. เงินมัดจำ

    Ngoen mátjam

    Deposit

    Usage

    A deposit held by a hotel or rental, returned at checkout

14. เงินคืน

    Ngoen kheun

    Refund

    Usage

    Word for getting money returned

15. ค่าประกันความเสียหาย

    Khâa pràkan khwaam sǐahǎai

    Security deposit

    Usage

    A deposit held against damage, a more formal term than "deposit"

16. เงินจ่ายล่วงหน้า

    Ngoen jàai lûangnâa

    Prepayment

    Usage

    Word for money paid in advance

17. ค่าใช้จ่ายเพิ่มเติม

    Khâa cháijàai phôemtoem

    Extra charge

    Usage

    Word for a charge added on afterward

18. ค่าธรรมเนียม

    Khâa thamniam

    Fee / Handling fee

    Usage

    Word for a fee charged for a procedure or service

19. เงินสด

    Ngoen sòt

    Cash

    Usage

    Point to this word to indicate you'll pay in cash

20. บัตร

    Bàt

    Card

    Usage

    Point to this word to indicate you want to pay by card

21. หารกัน

    Hǎn kan

    Split the bill

    Usage

    Use when a group wants to split the bill evenly

22. รวมบิล

    Ruam bin

    All together (one bill)

    Usage

    Use when you want one combined bill; the opposite of splitting

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