USD → THB
Cheapest way to send money to Thailand
The catch in Thailand is the receiving account. Bank transfer is the cheapest way in, but opening a Thai bank account generally needs a long-stay visa or a work permit, so people on tourist entries often cannot use the cheap route at all.
If you have no Thai account yet, you are choosing between cash pickup, card spending, and ATM withdrawals — and the ATM route is the one that quietly costs the most, because there is a local charge per withdrawal on top of your own bank's cut.
Checked . Fee figures are typical estimates, not live quotes. Change them in the calculator if you know your exact fees.
01
The transfer
How much, and which two currencies.
Not in the list? Choose “Enter my own…” and type the 3-letter code (GEL, VND, COP…).
02
How the money moves
Sending to someone else and spending your own money there are different questions. Pick one from the matching group.
To someone else
Your own money there
Loading live rate…
After fees · Wise
1 USD = 32.77 THB
Mid-market is 33.00.
Adjust feesThese are typical estimates, not official numbers from the company›
Sending $1,000 to someone in Thailand
Money leaves you and arrives with them in Thai baht. Sorted cheapest first. “Cost” is the fee plus whatever the rate is worse than mid-market, which is the part most comparisons leave out.
These are typical fees, not Thailand fees. Nobody has checked these particular numbers for Thailand yet, so treat the order as a general rule and the amounts as a rough guide. Get a real quote before you commit.
| Method | Cost | They receive |
|---|---|---|
| Revolut | $5.990.6% | 32,802THB |
| Wise | $7.000.7% | 32,769THB |
| Remitly | $17.931.8% | 32,408THB |
| PayPal | $44.804.5% | 31,522THB |
| Western Union | $45.004.5% | 31,515THB |
| Bank wire | $49.384.9% | 31,371THB |
Spending your own money in Thailand
For when you are traveling there and the money is already yours. Costs are per $1,000 converted. Remember that some cards and ATMs charge you for every transaction rather than once.
These are typical fees, not Thailand fees. Nobody has checked these particular numbers for Thailand yet, so treat the order as a general rule and the amounts as a rough guide. Get a real quote before you commit.
| Method | Cost | You get |
|---|---|---|
| ATM withdrawalThai ATMs charge their own fee on foreign cards on top of whatever your bank takes, which makes frequent small withdrawals an expensive way to live here. | $24.002.4% | 32,208THB |
| Card spend | $30.003.0% | 32,010THB |
| Cash | $30.003.0% | 32,010THB |
Figures use a rate of about 33 THB to 1 USD; the calculator above uses the live rate.
How the money arrives in Thailand
Most common first. Which of these your recipient can actually use usually matters more than a fraction of a percent in fees.
- 1Bank transfer to a Thai account
- 2Cash pickup at an agent
- 3Foreign card spending or ATM withdrawal
Living in Thailand, not just sending money there
A transfer is one number. These work out a whole month, including what the transfers cost you over a year.
- Cost of living in Bangkok$1,986/mo