Which UnionPay cards from Russian banks work in Thailand?

In Thailand, far from all UnionPay cards from Russian banks work. Of the major banks, working UP cards remain only with Rosselkhozbank (RSHB). Cards from Asia-Pacific Bank (ATB) are also consistently accepted. Rostov-based Center-Invest and Ingo Bank plan to start issuing working cards.

But all old cards from T-Bank, PSB, and Gazprombank no longer work in Thailand — don't try to pay with them, you'll only waste your nerves.

What's important to know about using UnionPay in Thailand:

• Payment in stores and cafes is processed without an additional commission — it's already built into the payment system's exchange rate difference. This makes the card one of the most advantageous options on par with cash dollars.
• In large chains (Big C, Lotus's, Central), UnionPay is accepted almost always.
• In small shops and at tourist markets, there are usually no terminals — it's better to have cash baht there.
• ATM withdrawal — double commission, this is worth remembering (more details below).

If you don't have a UnionPay card yet — this is the first thing worth getting before your trip, because it's not a replacement for cash, but a safety cushion. Cash can run out or be stolen — in that case, the card will save your vacation. A detailed breakdown of all the fine points is in our main article QR codes of Russian banks no longer work in Thailand: what else works in 2026.

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