It’s no problem to access your money while bike touring in Thailand.
ATMs are everywhere, even in reasonably small towns. You can cash travellers cheques or foreign currency at banks or private exchange booths.
In the bigger centres like Chiang Mai, you’ll even find rolling exchange booths in vans. They’re run by the banks and tend to set up near popular spots like the night market outside of normal business hours.
The only problem is that getting your cash is going to be expensive. As of 2009, all Thai banks are charging a hefty 150 Baht fee (about $5 U.S. dollars!) when you use a foreign card in ATMs. Also, we found that a few Thai banks didn’t accept our UK-issued card so we had to keep trying machines until we discovered which ones did work.
Finally, if you’re coming from Cambodia or Laos, you won’t be able to officially change the Lao Kip or the Cambodian Riel into Thai baht once you get past the border, so better to spend it before you leave the country. International currencies like Dollars, Euros and Yen are easily changed.