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How to send money to Thailand

Understand what your options are when transferring funds to Thailand.

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Whether you’re sending money back home or conducting business in Thailand, you’ll want to find the best service possible.

This guide will help you get the most Thai baht for your dollar by comparing the services you can use and showing you what you should keep an eye out for.

Send money to Thailand with WorldRemit

提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。

An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.

  • Use promo code 3FREE to send your first three transfers with no fee
  • Easy to use with round-the-clock help
  • Get cash to family and friends in minutes
Promoted

Compare services that send money to Thailand

You can use the table below to compare services and products that let you transfer money to Thailand.

Using the table headings, you can compare minimum transfer amounts, fees and more. If you’d like to know more about a product, click “More info”. If you want to open an account, click “Go to Site” to get started.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 60 1 day HKD 0.00 4.022 THB
40,223
Skrill offers easy transfers to many popular destinations, but keep an eye out for added fees Go to site Show details
SGD 1 1 day HKD 62.00 4.038 THB
40,126
你首兩次港幣$15,000或以下的匯款,手續費全免。Pay no fees on your first two transfers, up to HK$15,000.
象徵式收費以及中間價匯率,可匯款至高達30多個國家。 Transfer money to over 30 countries with nominal fees and the mid-market exchange rate.
Go to site Show details
USD 5 1 - 2 days HKD 25.00 3.997 THB
39,873
新客戶可享有首三個月無限次免手續費匯款。New customers get 3 months of unlimited free transfers.
可用15+種貨幣匯款,享有超越銀行的匯率以及快速轉賬時間。 Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
USD 10 1 - 2 days HKD 200.00 4.038 THB
39,569
以透明的匯率,低收費及低最低金額的網上服務作匯款。 Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
USD 50 1 day HKD 35.00 4.038 THB
40,235
快捷又簡單的國際匯款服務,大部分匯款收取固定的0.5%手續費。部分貨幣更不設保證金率。 Quick and simple international money transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies. Go to site Show details
USD 1 Within an hour HKD 20.00 4.022 THB
40,135
提供現金提取、銀行戶口之間轉賬與及Airtime匯款選擇的網上匯款服務,。 An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
USD 100 1 day HKD 15.00 3.977 THB
39,711
非Finder客戶將獲得較昂貴的匯率。 Better exchange rates for Finder customers.
可用45種貨幣匯款。 Send money in 45 currencies.
Go to site Show details
GBP 5,000 1 - 2 days HKD 0.00 3.977 THB
39,771
可匯款至20+個國家,無手續費。 Transfer money to 20+ countries with no transaction fees. Go to site Show details
USD 2,000 1 day HKD 0.00 3.977 THB
39,771
TorFX保證提供最佳的匯率。需受條款約束。TorFX guarantees to match any competitor's exchange rate.
以30種貨幣匯款到全球。登記後,將會有一個客戶經理提供支持和引導。Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Enter your details to speak to a foreign exchange expert

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Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options. Our foreign exchange experts offer a best rate guarantee, are ASIC authorised and never charge transfer fees.

They can help you with all your needs including:

  • Buying property abroad
  • Emigrating
  • Regular overseas payments
  • Risk management
  • Forecasting

Learn more about:

How to send money to Thailand in a few simple steps

  1. Choose your service. Not all money transfer services send money to Thailand from Hong Kong. Use our table to see which ones do and compare exchange rates, transfer fees and more.
  2. Create an account. This usually involves providing identification, such as your driver’s licence or passport and proof of address.
  3. Pick your payment method. You can typically pay from your bank account, credit card or debit card.
  4. Choose your delivery method. Do you want to send money directly to your recipient’s bank account, to their mobile phone or arrange a cash pick-up in Bangkok, Chiang Mai or Phuket?
  5. Enter your transaction details. This includes the transfer amount, the currency you’re sending and the recipient’s information.
  6. Review your transfer. Make sure the receiver’s details are correct. You can also review the final exchange rate and any other fees.
  7. Send your funds. The money will be deposited into your recipient’s account in Thailand.
  8. Receive email/SMS confirmation. This will include your tracking number along with confirmation of your transfer. If the recipient is picking up cash, they’ll need to present this at collection.

How do I compare transfer companies for sending baht?

  • Competitive exchange rate. It may not look like a big difference at first glance, but once you multiply the amount you plan to send, it’s easy to see how much you can lose. Watch out for big margins being added onto an exchange rate, so compare it across multiple services.
  • Fair fees. Fees are charged as either a percentage, a flat fee or a mix of both. Be aware that although some services offer “fee-free transfers”, the exchange rate might not be as good.
  • Fast turnaround time. Paying through a bank transfer generally takes the longest time, while paying by credit or debit card will be quicker. Generally, the faster the service, the more expensive it is.
  • Convenient pick-up method. Most services can send to a bank account, but fewer send to a cash pick-up location or mobile wallet. These last two are handy if your recipient does not have a bank account.
  • Flexible transfer amounts. Different providers are better for different amounts, so check the sending limits to make sure they’re what you’re after.

Exchange rates explained

The exchange rate tells us what a currency is worth in terms of another currency. These rates fluctuate all the time and while there’s no way to predict them, keeping an eye on them will tell you the best time to exchange money – i.e. the best time to send money to Thailand is when either the Hong Kong dollar is strong or the Thai baht is weak.

Below, you can see a real-time update of what the mid-market rate is for HKD/THB as well as what it has been historically.

HKD to THB: Historical rate chart

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Updated: 22 Oct 2020 23:17:20 UTC

What are the ways I can send money to Thailand?

Thailand is one of the more popular countries for Hong Kongers to send money to, so there are a number of different ways you can do it.

  • Money transfer services. Almost all money transfer services will allow you to transfer funds to Thailand. These are usually online-only and will often require verification such as your passport or licence when you first sign up. They can also often be the cheapest option and easier to compare.
  • Cash pick-up service. Services like MoneyGram, Ria and Western Union let your recipient pick up their money at thousands of locations. This can be one of the fastest ways to transfer money, but often the most expensive.
  • PayPal. While well-known, PayPal comes with higher fees and your recipient will need an account to access the money.
  • International cheque. Buy one of these from your local post office or bank and send it by mail.
  • Banks. Almost every major Hong Kong bank will allow you to send money to Thailand, generally for worse exchange rates than offered by an online money transfer specialist. You can do this at branches or online using specific online transfer services.

Let’s crunch the numbers: Your local bank vs a money transfer company

To show you how a bank transfer compares to an online money transfer specialist, we’ve put the two head to head. For this example, we’ll be using a HK$5,000 transfer to compare.

Major Hong Kong bankMoney transfer specialist
Transfer feeHK$115HK$53.54
Exchange rateHKD$1 = THB3.8299HKD$1 = THB3.9894
Transfer speed2-5 business days1-3 days
Total baht receivedTHB19,149.5THB19,947
Receiver getsTHB797.5 lessTHB797.5 more

For this transfer, you end up getting more money from the money transfer service than the bank. Not only is the exchange rate slightly better, but the fees with the bank are a lot more.

Need to make an emergency cash transfer in Thailand?

If you end up needing to make a cash transfer instantly, there are a few options you can look into:

  • Bank-to-bank transfer. You may be able to contact your local Hong Kong bank and have cash sent to you in Thailand. Ask both your bank and the receiving bank how much the fees would be for this service.
  • Travel insurance emergency assistance. If you purchased a travel insurance policy, or have travel insurance linked to your credit card prior to your trip to Thailand, you may be able to recover emergency money by contacting the provider.
  • Cash transfer company. Cash transfer service providers do not have residency requirements to pick up cash. As long as you have photo ID, you will be able to receive cash.

Tips for picking up cash in Thailand

It’s always a good idea to check the HKSAR Security Bureau website before travelling outside of Hong Kong. For Thailand, they recommend that visitors exercise caution, take notice of announcements by local authorities and avoid crowds. You should also check the nearby cash pick-up locations carefully before picking up your cash and try to choose one that’s inside of a local bank with added security.

Cash pick-up locations in Thailand

Frequently asked questions

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