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Sumitomo Mitsui Card ATM withdrawal costs in Thailand
Sumitomo Mitsui Card: Card ATM fee JPY 220 per withdrawal. Local ATM operator fee: PASSTHROUGH. DCC: see the Thailand DCC guide. Source date: 2025-04-01. Thailand DCC guide
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Sumitomo Mitsui Card overview
- Cash advance
- Card ATM fee JPY 220 per withdrawal
- ATM fee
- ATM fees vary by bank (see the table below)
- Card FX / overseas service fee
- Card FX / overseas service fee 3.63% (shopping transactions)
Local ATM operator fee
The local ATM operator fee is passed through to your withdrawal amount and included in your billing.
The fee charged by the local ATM is added to your withdrawal and billed to you.
ATM bank comparison
| Rank | Withdrawal method | Total cost | ATM fee | Receive estimate | Withdrawals | DCC risk | Freshness | Card support |
|---|---|---|---|---|---|---|---|---|
| 1 | $25.64 | 150 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 2 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 3 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 4 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 5 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 6 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 7 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported | |
| 8 | $28.63 | 250 THB | 5,000 THB | 1 | Low (avoidable) | Dataset reference | Supported |
Official answers
- How much does an SMBC card charge at an overseas ATM?
- SMBC's overseas cash-service page lists an ATM fee of 110 yen, including consumption tax, when the amount is 10,000 yen or less, and 220 yen, including consumption tax, when it is over 10,000 yen. SMBC overseas cash service
- What interest does SMBC charge on an overseas ATM cash advance?
- The same page lists the interest rate as 18.0% a year. Repayment of the overseas cash service is a single principal-and-interest payment. SMBC overseas cash service
Source: jp-smbc-visa (Official check) · Last checked 2025-04-01
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- Compare with Wise
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- Local ATM operator fee guide
- Early repayment guide
- DCC avoidance guide
Verified by: akifumi (ATM fee researcher and verifier)