Pattaya money exchange: Second Road, Central, Jomtien and Naklua
Article updated: 2026-10-14
Best rate USD · Pattaya: 33.35 — Superrich Thailand — Central Pattaya (1st Floor, near Hilton lobby) · Nov 8, 05:52 → Details
Pattaya is one of the easiest places in Thailand to change money and one of the easiest to do it badly. The city is dense with counters — on 14 October 2026 the live Pattaya tables listed 62 — and because they sit so close together, rates are competitive. The catch is that the counters closest to where tourists actually stand are not always the competitive ones.
This guide covers the areas most visitors use, which operators you will find in each, and when walking further is worth it.
Who operates in Pattaya
T.T. Currency Exchange is the name most visitors recognise. The yellow-signed branches are everywhere: Naklua in the north, the length of Second Road, the Central Pattaya area, and down into Jomtien. On 14 October 59 of the 62 counters in the Pattaya tables were T.T. branches; the other three belong to three different companies.
The detail most guides miss is that T.T. branches do not all quote the same rate. On 14 October the T.T. counter at Terminal 21 (G floor) paid 33.43 for a US dollar, Again Pattaya 33.42, Big C North Pattaya 33.40, and both the Amigo Pratamnak and Won Market branches 33.35. The best and worst dollar in the city that day were posted by the same company. “Go to T.T.” is therefore only half a decision; the useful decision is which T.T., and every branch is listed separately in the tables and on the brand page.
SuperRich 1965 (the orange brand) has a partner counter at Terminal 21 Pattaya on the M floor. It is strong on the major Asian currencies — on 14 October it had the best Korean won of any orange branch in the country — and was the worst counter in Pattaya for roubles the same day. See the brand page.
Superrich Thailand (the green brand) has a counter at Central Pattaya on the first floor near the Hilton lobby. It handles more currencies than most Pattaya counters, and on 14 October it posted the city’s best euro (37.30), yen (0.2095) and pound (44.20).
Damini Exchange sits on Soi 13/2, the street most people still call Soi Post Office. A long-established independent with an unusually broad currency list — the one to try if a mall counter will not take your notes. Breadth is not price: on 14 October it was bottom of the city for yen, won, yuan and Taiwan dollars.
There are also unbranded booths near Walking Street and along Soi Buakhao. Some are fine; they simply cannot be checked in advance, because they do not publish rates.
The numbers on 14 October 2026
| Currency | Best buying rate | Worst buying rate | Gap |
|---|---|---|---|
| USD | 33.43 — T.T., Terminal 21, G floor | 33.35 — T.T., Won Market | 80 baht per US$1,000 |
| EUR | 37.30 — Superrich Thailand, Central Pattaya | 37.10 — T.T., Won Market | 200 baht per €1,000 |
| GBP | 44.20 — Superrich Thailand, Central Pattaya | 44.00 — T.T., Won Market | 200 baht per £1,000 |
| RUB | 0.343 — T.T., Jomtien 2nd Road | 0.320 — SuperRich 1965, Terminal 21 | 2,300 baht per ₽100,000 |
The mid-market rate was 33.58 to the dollar, so the best Pattaya counter was 0.4% below interbank. Bangkok’s best that day was 33.51 — 80 baht more per US$1,000, and 200 baht more per €1,000 at 37.50. Neither figure justifies the bus fare.
Area by area
Second Road (Pattaya Sai Song) — The highest concentration of counters in the city and the most competitive stretch: four or five options within two hundred metres. If you are staying in central Pattaya, this is the default.
Central Pattaya and Terminal 21 — Air conditioning and staff who handle foreign notes all day. Terminal 21 has T.T. on the G floor and SuperRich 1965 on the M floor; Central Pattaya has Superrich Thailand. On 14 October the city’s best dollar, euro and pound were all inside these two malls — not the marked-up mall pricing you might expect. The trade-off is mall hours.
Jomtien — Convenient if you are staying there; no reason to taxi into central Pattaya for a small amount. Dollar rates run a little behind Second Road, but the T.T. branch on Jomtien 2nd Road had the city’s best rouble rate on 14 October.
Naklua — The quieter northern end, popular with long-stay residents. Coverage is thinner, but the counters that exist serve regulars rather than one-off tourists.
Walking Street and the surrounding sois — The advantage is hours, not rates. If you run short at two in the morning, this is where you go, and you pay for the convenience.
How far is it worth walking?
Not very far, but check first. On 14 October the whole city spanned 80 baht per US$1,000 — pocket change on a few hundred dollars, 400 baht on US$5,000, enough for a ten-minute walk and not for a taxi across town.
A practical rule: compare before you leave the hotel, then walk to the closest of the nearby good options. Rates move during the day. The same logic applies to Bangkok: its best counters beat Pattaya’s by 80 baht per US$1,000, not enough to justify a trip. If you are in Pattaya, optimise within Pattaya.
Denominations matter more than the counter
The step between note sizes is bigger than the step between counters. At the T.T. counter in Terminal 21 on 14 October, US$100 and US$50 notes earned 33.43, US$20 to US$5 earned 32.95, and US$2 and US$1 earned 32.45. A thousand dollars in twenties therefore earned 480 baht less than in hundreds, and in singles 980 less — six and twelve times the gap between the city’s best and worst counter.
Euros are flat: at Again Pattaya, €500, €200–100 and €50–5 all earned 37.15. Asian notes are punished hard: a ₩1,000 note earned 0.018 against 0.025 for ₩5,000 and above, and ¥20 and ¥10 Chinese notes earned 4.50 against 4.99 for ¥100 and ¥50. See which banknotes to bring.
Opening hours
Pattaya keeps longer hours than almost anywhere in Thailand. On 14 October 56 of the 58 counters with published hours were open on Sunday; the two that close at weekends are both T.T. branches, Jomtien 2nd Road (the one with the best rouble rate) and Rajchawaroon Road. Counters open until 21:00 or later included Again Pattaya (22:00), Big C North Pattaya, Buakhao Market, Buakhao-New Plaza, Charming Inn and Cozy Beach (all 21:00) — covering north Pattaya, Soi Buakhao and Pratamnak, so an evening exchange rarely needs a taxi.
Mall counters follow mall hours, Second Road street counters typically open around 09:00, and Sundays and public holidays are normal trading days for almost all private exchange shops, unlike bank branches; see Sunday and holiday money changers.
If you land late at U-Tapao or arrive by bus in the evening, something will be open; see the U-Tapao airport page.
Practical notes
- Bring large, clean notes. The tiers above are the price of a stack of twenties.
- Carry your passport. Licensed shops record identification for every transaction. A phone photo is accepted at some counters and refused at others; the document always works.
- Count at the window. Every time, at every counter.
- Do not change everything at once if you are staying a while; rates move, and carrying a month’s cash around is unwise anyway.
- Ignore the counters inside hotels. They are priced for guests who have not planned.
To see which branches are quoting well right now, rather than which chain has the best reputation, start from the Pattaya city page or the full shop directory.
Before you exchange:Trip.com ↗Klook ↗Tiqets ↗