The currency of Thailand is the "Baht" - sometimes spelled "Bath" but pronounced to rhyme with "hot." One Baht is divisible into 100 Satang. Major credit cards are accepted by hotels and large shops, but "hard cash" is the preferred tender almost everywhere. Travelers checks are not widely accepted outside of hotels, so change them for cash at a bank exchange, which you'll find in any and every tourist destination.
Bills vary in size and color according to denomination: 20-Baht is green, 50-Baht is blue, 100-Baht is red, 500-Baht is purple and 1,000-Baht is white. There is also still a 10-Baht bill in circulation, which is brown in color, but these are quite rare.
All bills and all coins have a picture of His Majesty the King, and are therefore supposed to be shown some respect.
Branches of the Bank of Ayudhya, Siam City Bank and the Thai Military Bank are located in Haad Sai Khao (White Sand Beach). The Siam Commercial Bank is located in Chai Chet A sub branch of Siam City Bank is located in Kai Bae.
Normal Banking hours in Koh Chang are the same as in the rest of Thailand. Monday to Friday 8.30am to 3.30pm.
Twenty-four-hour ATM's are widely available and most accept cards using international banking networks such as Cirrus or Plus
There are numerous ATM machines located in the following towns on Koh Chang
- Both car ferry piers
- Klong Son
- Haad Sai Khao(White Sand Beach)
- Klong Prao
- Kai Bae
- Bang Bao
The only ATM on the east side of the island is located at the Police Station in Dan Mai.
There are no ATM machines located on any of the other islands in the Koh Chang National Park. Visitors who are visiting Koh Wai, Koh Mak or Koh Kood should ensure they have enough money to enjoy their stay before leaving for the islands to the south.