What’s the Cheapest Way to Transfer Money from Thailand Internationally?
Sending money to Thailand or bringing it home is something millions handle today — workers abroad, business owners, travelers, or anyone with family in different places. As Thailand stays connected to the world, more people need transfers that work fast and don’t drain their wallets.
This guide walks through the best ways to move money to and from Thailand. You’ll see how each works, what it costs, and which fits what you need.
Ways to Move Your Money
Sending money to Thailand — or taking it out — gives you choices. Each has its speed, price tag, and how easy it is to use.
Bank Transfers
Banks stay reliable for sending money. Major Thai banks like Bangkok Bank, Kasikornbank, and Siam Commercial Bank use SWIFT to reach anywhere globally. They’re secure but charge more and take longer — sometimes days instead of hours.
Online Money Services
Platforms like Wise, Remitly, or Western Union let you transfer without leaving home. Sign up, connect your card or bank, and send. Fees usually run lower than banks, and money lands in minutes or hours. Recipients get it straight to their Thai bank or grab cash at pickup spots.
Digital Wallets and Apps
Apps like PayPal, Revolut, TrueMoney Wallet, and Line Pay work great for everyday money moves. Send to friends, shop online, or handle smaller international transfers. Watch for conversion fees and limits based on your account type.
Cryptocurrency
Crypto like Bitcoin or USDT gives fast, cheap transfers. Both people need crypto wallets. Transfers happen on blockchain — a secure network — in seconds or minutes. Convert to Thai baht through P2P platforms or exchanges after receiving. Same-platform transfers can be instant and free.
Quick Method Comparison
| Method | Speed | Fees | How Easy |
|---|---|---|---|
| Bank Transfers | 2-5 days | 1-3% + fixed fee | Medium difficulty |
| Online Services | Minutes to 1 day | 0.5-2% | Very easy |
| Digital Wallets | Instant to hours | 1-4% | Very easy |
| Crypto | Seconds to minutes | Under 1% | Medium difficulty |
How Each Method Actually Works
Sending with PayPal
PayPal needs only an email address. Link your card or Thai bank, pick your currency, review the rate and fees, then send. Recipients get it in their PayPal account to use online or withdraw to a Thai bank.
Sending with Remitly
Remitly specializes in international transfers. Create an account, pick Thailand, choose bank deposit or cash pickup, enter recipient info, and pay by card or bank. Delivery takes minutes to one day.
Sending with Wise
Wise uses real exchange rates with clear fees. Sign up, choose currencies (like USD to THB), enter Thai bank details, review everything, and confirm. Most payments reach Thailand within hours.
Sending with Revolut
Revolut moves money instantly between users with no hidden conversion charges. Open the app, add a recipient by phone, username, or bank details, enter the amount, check the rate, and send. Non-Revolut recipients get it via standard bank transfer.
Sending with TrueMoney
TrueMoney Wallet is huge in Thailand for local payments and some international transfers within Southeast Asia. Download the app, verify, choose transfer, add mobile number or linked account, enter amount, and send. Money arrives instantly for wallet-to-wallet transfers.
Why Crypto Makes Sense from Thailand
Cryptocurrency offers practical advantages for sending money from Thailand abroad. Transactions happen directly on blockchain without middlemen, cutting costs and time. Transfers complete in seconds with fees typically under 1%.
You need a crypto wallet and a platform to buy, sell, and exchange digital money before sending or withdrawing. Peer-to-peer (P2P) trading lets users swap crypto directly with each other. Escrow systems hold the seller’s crypto safely until payment confirms.
Most Thai P2P platforms work with Bangkok Bank, Kasikornbank (KBank), Siam Commercial Bank (SCB), Krungthai Bank (KTB), TrueMoney Wallet, and Line Pay. Cryptomus P2P supports over 560 payment methods covering all major Thai options with 0.1% fees. The platform handles instant transfers, multiple currencies, and automatic escrow protection.
Picking What Works
Moving money to and from Thailand got simpler with options ranging from banks to digital payments to crypto. Understanding each method helps you choose what’s reliable, affordable, and fast for international transfers.