Is it better to exchange currency before arriving in Pattaya or wait until I'm there?

Generally, it's better to wait until you arrive in Pattaya. Local exchange offices often offer more competitive rates than those you might find at home or at the airport. - However, if you need a small amount for immediate expenses, like transportation from the airport, it might be wise to exchange a bit beforehand. Just don't go overboard. Money note: Exchange rates, ATM fees and card surcharges change. Compare the net amount, decline poor dynamic currency conversion and keep transaction receipts.