Send Money to Thailand
Compare available providers for popular routes and review estimates for your amount.
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Current USD to THB quotes
Compare current provider quotes for sending $1,000 USD. Recipient outcome remains the main comparison point.
How rankings work: Methodology · Commercial Policy
Top row follows the selected sort. The alternate Standard or New User rate appears below when available.
Remitly
Paysend
Panda Remit
#3 estimate
XE Money Transfer
CurrencyFair
Western Union
| Provider | Exchange Rate | Fee | You Send | Recipient Gets | Action |
|---|---|---|---|---|---|
Best New User rate | 33.98 33.38 | FREE USD 1.99 | USD 1,000 | 33,980 THB 33,313.574 THB | Go to RemitlyCheck quote |
33.47 | USD 1.99 | USD 1,000 | 33,466.45 THB 513.55 less | Go to PaysendCheck quote | |
33.40 | FREE | USD 1,000 | 33,401.5 THB 578.5 less | Go to Panda RemitCheck quote | |
33.30 | FREE | USD 1,000 | 33,300 THB 680 less | Go to Taptap SendCheck quote | |
33.30 | FREE | USD 1,000 | 33,300 THB 680 less | Go to XE Money TransferCheck quote | |
33.41 | USD 3.74 | USD 1,000 | 33,289 THB 691 less | Go to CurrencyFairCheck quote | |
33.62 | USD 14.05 | USD 1,000 | 33,142.71 THB 837.29 less | Go to WiseCheck quote | |
33.13 | USD 1.99 | USD 1,000 | 33,135 THB 845 less | Go to WorldRemitCheck quote | |
33.06 | USD 32.99 | USD 1,000 | 33,061.4 THB 918.6 less | Go to Western UnionCheck quote | |
32.70 | FREE | USD 1,000 | 32,695.2 THB 1,284.8 less | Go to OFXCheck quote |
Amount ComparisonAmount Comparison: How Much Will They Receive?
Estimate what your recipient may get at different transfer amounts using New User rates.
| Provider | $100 | $500 | $1,000 | $5,000 |
|---|---|---|---|---|
Remitly Rate: 33.9800 | Fee: $0.00Best New User | ฿3,398.00 | ฿16,990.00 | ฿33,980.00 | ฿166,833.57 |
Panda Remit Rate: 33.4015 | Fee: $0.00 | ฿3,340.15 | ฿16,700.75 | ฿33,401.50 | ฿167,007.50 |
Paysend Rate: 33.4664 | Fee: $1.99 | ฿3,280.05 | ฿16,666.63 | ฿33,399.85 | ฿167,265.65 |
XE Money Transfer Rate: 33.3000 | Fee: $0.00 | ฿3,330.00 | ฿16,650.00 | ฿33,300.00 | ฿166,500.00 |
Taptap Send Rate: 33.3000 | Fee: $0.00 | ฿3,330.00 | ฿16,650.00 | ฿33,300.00 | ฿166,500.00 |
Tip: The difference between providers can be significant for larger transfers. For $5,000, you could receive up to ฿765.65 more by choosing the best provider.
Recipient Gets Exactly...
Enter how much your recipient needs in THB. We'll show how much you need to send.
Why Use Online Money Transfer Services?
Compare Bank Costs
Bank wires can combine exchange-rate margins with fixed wire fees. Digital providers may be cheaper on this route, but compare the final recipient amount and checkout terms before sending.
Faster Delivery
Bank wire transfers take 3-5 business days. Online services often deliver within 24 hours, with instant PromptPay transfers available within minutes using just a phone number.
Easy & Convenient
Send money from your phone or computer 24/7. No need to visit a bank branch. Track your transfer in real-time and get notifications when it arrives.
Sending Money to Thailand: What You Need to Know
Bank Transfer Requirements
- Account Number: Recipient's Thai bank account number (10-12 digits)
- Recipient Name: Must match exactly as on bank records
- Bank Name: Full name of the recipient's bank
- PromptPay: Alternative, just phone number or Thai ID needed
Payment Options
- Bank Transfer (ACH/SWIFT): Often lower-cost funding, 1-2 days
- Debit Card: Fast, moderate fees
- Credit Card: Fastest, higher fees (3-5% extra)
- Apple/Google Pay: Available with select providers
Supported Thai Banks
All major Thai banks accept international transfers:
Delivery Options in Thailand
- Bank Deposit: Direct to any Thai bank account
- PromptPay: Instant transfer using phone number or ID
- TrueMoney: Mobile wallet transfer
- LINE Pay: Popular messaging app wallet
Thailand: Growing Remittance Market
$8B+
Remittances received annually
1M+
Thai workers abroad
4-7%
Potential cost gap vs bank wires
Thailand receives significant remittances from Thai workers in the Middle East, Asia, and Western countries. The tourism-driven economy also sees large transfers from expatriates and retirees. PromptPay has revolutionized remittances by enabling instant transfers using just a phone number, making it one of the most efficient markets for digital transfers.
Understanding Remittances to Thailand
Thailand receives over $8 billion in remittances annually, driven by a diaspora of over 1 million Thai workers abroad and millions of foreign nationals with family or financial ties in the country. Thai workers are concentrated in South Korea, Japan, Taiwan, Israel, and the Gulf states, while a significant flow comes from Western expats and retirees in the US, UK, Europe, and Australia who support partners, families, or retirement living expenses in Thailand.
Thailand's remittance landscape is unique because a substantial portion of inbound transfers comes not from Thai workers abroad, but from foreign nationals supporting Thai families, funding retirement living, or investing in property. This means the typical sender profile includes both Thai workers sending wages home and Western expats making regular transfers for living expenses, each with different needs in terms of amount, frequency, and speed.
The Bank of Thailand (BOT) regulates all foreign exchange transactions. Thailand's banking system is modern and efficient, with major banks like Bangkok Bank, Kasikornbank (KBank), Siam Commercial Bank (SCB), and Krungthai Bank all accepting international transfers. The PromptPay system enables instant domestic transfers using phone numbers or national ID numbers, and some international providers now offer PromptPay delivery for faster service.
How to Choose the Right Provider for Thailand
Thailand's diverse sender base means different providers suit different situations. Here's how to choose:
Best Exchange Rate (USD/GBP/EUR to THB)
Compare Wise and OFX. For larger THB transfers, compare transparent bank-transfer quotes, minimums, documentation needs, and final checkout terms before choosing.
Fast Bank Deposit (Same Day)
Compare Wise and Remitly. Fast Thai bank delivery can be useful, but delivery time varies by provider, payment method, and banking hours. Check whether PromptPay or bank deposit is available for your route.
Monthly Retirement/Living Expenses
Compare recurring-transfer tools. If you're an expat or retiree sending monthly living expenses to Thailand, automation and rate alerts can reduce manual checking. Recheck quotes periodically against bank alternatives.
Large Property or Investment Transfers
Compare OFX and Wise Business. Thailand may require FET documentation for larger transfers. Check dedicated-dealer support, bank documentation, and final pricing before sending property or business funds.
Common Mistakes When Sending Money to Thailand
1. Not Getting FET Documentation for Large Transfers
For transfers above THB 50,000 (~$1,400), Thai banks issue a Foreign Exchange Transaction (FET) form. This document is essential for property purchases, car registrations, and visa extensions proving financial support. If you need an FET, ensure your money arrives via international wire (not via a provider that uses local payout) so the bank can issue the certificate.
2. Using Your Home Bank for International Wires
Bank wires to Thailand can include sender fees, exchange-rate margins, and receiving-bank fees. Use bank wires when you need specific documentation, and compare digital alternatives when documentation is not required.
3. Not Knowing Thai Banking Hours
Thai banks process international transfers during local business hours (Monday-Friday, 8:30am-3:30pm ICT). Transfers arriving after hours or during Thai holidays (Songkran in April, Royal holidays) will be held until the next business day. Plan ahead, especially around Songkran when banks close for multiple days.
4. Sending to the Wrong Account Type
Thai bank accounts come in savings and current varieties, and the account number format varies by bank (typically 10 digits). Some providers require the SWIFT code of the specific branch. Always verify the full account number, bank name, branch, and account holder name with your Thai recipient.
5. Not Using Rate Alerts for Non-Urgent Transfers
The Thai baht fluctuates based on tourism seasons, trade balances, and global market conditions. If your transfer isn't urgent, set up rate alerts and compare providers before sending. Even small rate differences can materially change the THB your recipient receives.
Top Money Transfer Services for Thailand
Wise
PromptPay support, compare quote
Remitly
Fast transfers, mobile wallet support
XE
Established currency brand
Western Union
Cash pickup, instant options
Instarem
Asia-Pacific corridor option
OFX
Large amount option
Thailand Remittance & THB News
View allFrequently Asked Questions: Various to THB
What is the cheapest way to send money to Thailand?
How long does it take to transfer money to Thailand?
What documents do I need to send money to Thailand?
Is it safe to send money to Thailand online?
What is the limit for sending money to Thailand?
Can I send money to Thailand from a credit card?
Which banks in Thailand can receive international transfers?
Can I send money to Thai mobile wallets?
Do I need to pay taxes on money sent to Thailand?
What time is best to send money to Thailand for better rates?
Ready to Send Money to Thailand?
Compare current provider options and choose the route that fits your next transfer to Thailand. Most transfers arrive within 1-2 business days.
New to sending money to Thailand? Read our complete guide to the best ways to send money to Thailand in 2026.