How to collect Thai baht from an ATM without a bank card

📋 Before you withdraw

To collect your payout, you need a phone with internet access and access to the chat with your Welcome Exchange manager. Stay in touch until you have received the money: the withdrawal details and confirmation apply to your current order.

How a Welcome Exchange ATM payout works

1. Agree the amount in baht, the exchange terms and ATM collection with your Welcome Exchange manager.
2. Choose a convenient ATM and tell your Welcome Exchange manager which bank it belongs to and where it is. Complete the requirements for your order and wait for confirmation that the payout is ready.
3. At the ATM, follow the relevant bank instructions below. For a QR withdrawal, wait for confirmation before pressing Confirm.
4. Collect and count the cash, then tell your Welcome Exchange manager how much you actually received. Report any difference immediately.

Check these details before you start

• Confirm your chosen bank with your Welcome Exchange manager before the payout is prepared.
• Agree the exact amount in THB, any fees and applicable limits. Do not choose a different amount yourself.
• For a code-based withdrawal, obtain the phone number and transaction code. For a QR withdrawal, stay in touch with your Welcome Exchange manager while you are at the ATM.
• Check the bank name and logo, not just the colour of the machine.

Button names and positions may vary between ATM models. If the screen differs from these instructions, send your Welcome Exchange manager a photo of the menu and wait for guidance.

📍 Choosing a convenient ATM

You can choose whichever of the banks listed here is most convenient for you. Find a suitable location on Google Maps, then tell your Welcome Exchange manager the bank name and location so they can confirm whether a payout is available there.

For example, search for Krungthai ATM. The correct spelling is Krungthai. Other useful searches are Krungsri ATM, Bangkok Bank ATM, TTB ATM, KBank ATM and SCB ATM. Check the address, access hours and location photos.

Keep a backup ATM within easy reach

Where possible, choose a location with ATMs from several banks. If your chosen machine is out of service or cannot dispense the money, you will have another option nearby without having to start your search again.

We recommend looking for ATMs:

• In shopping centres such as Central or Terminal, where several banks are often located together. Bank branches are frequently on the upper floors; check the centre directory for the exact floor and opening hours.
• At bank branches.
• Near 7-Eleven stores.

💵 Choosing an amount and handling the balance

We recommend agreeing an amount in multiples of 1,000 baht — for example, 10,000 THB. In Welcome Exchange’s experience, ATMs often have no 100-baht notes available, and requesting an amount that includes hundreds can lead to a withdrawal error.

This is practical advice, not a rule shared by every bank: available denominations depend on the individual ATM. Do not change the amount of a payout that has already been prepared; agree any change with your Welcome Exchange manager first.

What happens to the remaining balance?

If the ATM can only dispense multiples of 1,000 baht, we can credit the remainder to your Welcome Exchange deposit balance or use it to top up a mobile phone balance. Agree your preferred option, the phone number and top-up availability with your Welcome Exchange manager.

For example, if your order entitles you to 12,350 THB, you can agree to collect 12,000 THB in cash and have the remaining 350 THB credited to your deposit balance or used for an agreed phone top-up. Confirm the cash amount and how the remainder will be handled before the payout is prepared.

🟨 Krungsri ATM — yellow ATM

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Before you start: obtain the phone number, exact amount in THB and six-digit withdrawal code from your Welcome Exchange manager.

1. Select CARDLESS ATM.
2. Select Krungsri App. In the menu version described here, this button is on the right.
3. Enter the phone number provided by your Welcome Exchange manager and press CORRECT. Do not replace it with your own number.
4. Enter the agreed amount in baht in the AMOUNT field and press CORRECT.
5. Enter the six-digit code in the WITHDRAWAL CODE field and press CORRECT.
6. Collect and count the cash, then tell your Welcome Exchange manager the amount received.

🟦 Bangkok Bank ATM — blue sign

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Before you start: make sure your Welcome Exchange manager is online and ready to process the QR code.

1. Select Cardless Withdrawal on the left of the screen.
2. Select Bangkok Bank Mobile Banking. In the menu version described here, it is the upper button on the right with the blue logo.
3. Take a clear photo of the entire QR code, avoiding glare, and send it to your Welcome Exchange manager in your order chat.
4. If the ATM asks whether you need more time, press Yes. Stay at the machine while you wait.
5. Wait for your Welcome Exchange manager to confirm that the payout is ready. If an amount is displayed, check it against the agreed amount.
6. Press Confirm, collect the cash and count it.
7. Confirm receipt and the actual amount with your Welcome Exchange manager.

If the ATM returns to the main menu or displays a new QR code, tell your Welcome Exchange manager: a photo of the previous screen may no longer be valid for the current transaction.

🐦 Krungthai Bank ATM — light-blue sign with a bird

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Before you start: obtain the phone number, withdrawal code and agreed amount from your Welcome Exchange manager.

1. Select Cardless ATM.
2. Choose the Krungthai bird logo.
3. Enter the phone number supplied by your Welcome Exchange manager and follow the on-screen prompt to continue.
4. Enter the withdrawal code supplied for this transaction.
5. If the ATM displays an amount or another confirmation step, check the details with your Welcome Exchange manager and follow the on-screen instructions.
6. Collect and count the cash, then confirm receipt with your Welcome Exchange manager.

If a QR code appears instead of the phone number and code fields, do not switch to another bank’s instructions. Send your Welcome Exchange manager a photo of the screen.

📱 TTB ATM — withdrawal with a phone number and code

Before you start: obtain the phone number, withdrawal code and payout amount from your Welcome Exchange manager. Check that the ATM is branded ttb.

1. Select CARDLESS SERVICES.
2. Press CARDLESS WITHDRAWAL.
3. Enter the supplied phone number and press CONFIRM.
4. Enter the withdrawal code for this transaction in the code / PIN field and press CONFIRM. This is not the personal PIN for your bank card or app.
5. Check the amount on the screen. If it matches the agreed amount, press CONFIRM. If it does not, stop and contact your Welcome Exchange manager.
6. Collect and count the money, then confirm receipt with your Welcome Exchange manager.

🟩 Kasikorn / KBank (K+) ATM — green sign

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Before you start: find an ATM branded Kasikorn or KBank and make sure your Welcome Exchange manager is ready to confirm the payout.

1. Select Cardless Withdrawal.
2. Select K PLUS.
3. Photograph the entire QR code that appears on the screen and send it to your Welcome Exchange manager in your verified order chat.
4. Stay at the ATM and wait for confirmation from your Welcome Exchange manager.
5. After confirmation, press Confirm. If an amount is displayed, check it first.
6. Collect and count the cash, then confirm receipt with your Welcome Exchange manager.

If the QR screen changes or closes, tell your Welcome Exchange manager before starting again. Do not send the QR code to anyone else or use it outside your order.

🟪 SCB ATM — purple ATM

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Before you start: obtain the transaction phone number, agreed amount and withdrawal code from your Welcome Exchange manager. Do not create a separate withdrawal in your own app when collecting a Welcome Exchange payout.

1. Select Cardless ATM.
2. Select SCB from the bank menu.
3. Enter the phone number supplied by your Welcome Exchange manager for this withdrawal and press OK.
4. Check the transaction details, including the amount. If everything matches, press OK. If anything differs, stop and tell your Welcome Exchange manager.
5. Enter the withdrawal code for this transaction and press OK.
6. Collect and count the cash, then confirm the amount received with your Welcome Exchange manager.

These ATM steps are adapted from SCB’s official instructions. The bank states that an SCB EASY code is valid for 15 minutes after it is created. Ask your Welcome Exchange manager when the code for your payout was issued; if it expires, ask them to check the transaction.

⚠️ If the ATM does not dispense cash

A photo of the error message and your order number can help resolve the issue. Do not publish images containing withdrawal codes, transaction QR codes or other transaction details.

❓ Frequently asked questions

Do I need a bank card?

No. You will not need a bank card to collect a Welcome Exchange payout using these methods. Use the prepared withdrawal details or the QR code on the ATM screen.

Do I need a Thai banking app?

Not for the Welcome Exchange payout process described here. You follow the steps at the ATM and stay in touch with your Welcome Exchange manager. Do not create a separate transaction from your own account.

Which phone number should I enter?

Use the number supplied by your Welcome Exchange manager specifically for this payout. Only use your own number if your manager has explicitly confirmed that the withdrawal is registered to it.

How long is the code valid, and how much can I withdraw?

Check the expiry time, limits, available amount and fees with your Welcome Exchange manager before you start. Conditions for one bank do not necessarily apply to another.

When should I confirm receipt?

After you have collected and counted the cash. Report the amount you actually received; an on-screen message alone is not confirmation that you have the money.