How to send money to Thailand

Understand what your options are when transferring funds to Thailand.

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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.

How we chose these services

Top picks are our selection of some of the best money transfer products and services on Finder, but we haven't compared every brand in the market. We've included them on some pages to help you make decisions faster, but keep in mind that our top pick may not always be the best fit for you. Read our full methodology here to find out more.

Compare money transfer services to Thailand

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds to Thailand with a money transfer service.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 0 1 - 2 days AUD 1.99 22.883 THB
22,837
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries. Go to site Show details
AUD 250 1 - 2 days AUD 15.00 22.813 THB
22,471
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Go to site Show details
AUD 1 1 day AUD 18.50 23.044 THB
22,618
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Go to site Show details
AUD 10 Within an hour AUD 2.99 22.79 THB
22,722
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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AUD 1 Same day AUD 0.00 22.929 THB
22,929
XE has fast transfers with no fees and a range of foreign currency tools. Go to site Show details
AUD 1 Within an hour AUD 2.99 22.122 THB
22,056
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide. Go to site Show details
AUD 1 Same day AUD 3.99 22.975 THB
22,883
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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AUD 200 1 - 2 days AUD 5.00 23.007 THB
22,892
Exclusive: Use code FINDER10 to receive US$10 off your first transaction.
InstaReM offers simple transfers with a flat 0.5% transfer fee for most transfers. Zero-margin rates on some currencies.
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AUD 1 1 - 2 days AUD 6.00 23.044 THB
22,905
TransferWise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details
AUD 5 1 - 2 days EUR 3.00 22.767 THB
21,193
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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Compare up to 4 providers

What's the best way to send money to Thailand?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to Thailand. Some offer cash pickup in as little as a few minutes, while others seamlessly transfer to bank accounts. Sending money through PayPal or your bank is also an option, but you'll typically face higher fees and weaker exchange rates when going that route.

Digital money transfer services

Companies like XE and OFX specialize in foreign currencies, making them some of the most cost-effective transfers. Most offer transfers directly to your recipient's Thai bank account, often in as little as a day or two.

Cash transfers

Services like MoneyGram and Western Union allow you to transfer cash for pickup at a local branch in Thailand— often in 15 minutes. While it's a fast way to send money, you'll pay for the convenience in weak exchange rates and high fees.

Banks

Almost every large Australian 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: Sending $1,500 to Thailand

Let's say you need to send $1,500 to family in Thailand. Here's what you might face as far as fees and exchange rates as of 10 November 2020.

Digital money transfer serviceCash transferBank transfer
Fee$11$35$9 + additional correspondent bank fees
Exchange rate1 AUD = 22.19 THB1 AUD = 21.16 THB1 AUD = 21.52 THB
Transfer speed1-2 dayMinutes2-5 days
Amount receivedTHB 33,053THB 31,747THB 32,095
Verdict
  • Best value
  • Fastest
  • Slowest and most expensive

The digital money transfer option ends up being the best value, while a cash transfer is faster.

What are the other ways that I can send money to Thailand?

  • Bank transfers. Many major Australian banks will allow you to send money to Thailand.
  • Money transfer providers. Providers like WorldRemit and TransferWise can help you quickly and easily transfer your money online.
  • Providers with cash pickup. Western Union and MoneyGram allow you to send funds for cash pickup at agent locations.
  • PayPal. Electronic payment giant PayPal allows you to send money from Australia to Thailand.
  • Checks and money orders. Although not a quick option, you could send an international check overseas, obtained from your bank.

How to send money to Thailand through an online service

Sign up and send money with a digital money transfer specialist in four steps:

  1. Sign up for a free account. Pick a provider and sign up for a free online account using your contact information, proof of ID and preferred payment method.
  2. Provide transfer details. Submit your recipient's contact information and pick a delivery method. If transferring to a bank, you'll need their Thai bank account details.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt's confirmation number to track the progress of your transfer to Thailand. Some money transfer providers send a text or email when your transfer is complete.

How to get the most out of your money transfer to Thailand

Weigh costs and fees against convenience to learn how to compare money transfer providers that send to Thailand to best meet your needs:

  • Exchange rates. The AUD-THB relationship fluctuates often, so using a service that allows you to lock-in exchange prices may help you save money down the line if the Thai baht rises against Australia dollar.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger AUD-THB exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of Thai baht you're sending to Thailand.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to Thailand.
  • Sending limits. Comparing prices for one large transfer instead of many small transfers is typically easier, so picking the service you use based on how much you're sending is a valid strategy for saving money.
  • Transfer methods. Whether you want money sent to a Thai bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfer to Thailand

When urgency trumps cost to get your money to Thailand quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to Thailand without a bank account

Cash transfer services can help you if you don't have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.

Thailand's exchange rates explained

The exchange rate determines how much one country's currency is worth in another country's currency. When a country's currency is strong, it yields more money when exchanging it in a country with a weaker currency. Thailand's exchange rate is flexible compared to the Australian dollar.

Today's exchange rate AUD to THB

1
0
Updated: 27 Jan 2021 19:34:06 UTC

Documents needed for sending to and receiving money in Thailand

To send money to Thailand from Australia, you'll need a government-issued ID and other documents, while documents needed to pick up money in Thailand may be different by company.

Documents to send money from Australia

To send money from Australia to Thailand, you'll need documentation and details that include:

  • Identification. Most services require a driver's license, passport or other government-issued ID.
  • Payment method. Your service may accept credit or debit cards, cash, bank accounts or personal checks.
  • Recipient information. Submit your recipient's name as it appears on their ID, along with their phone number, Thai bank account and routing number.

Documents to receive money in Thailand

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer's confirmation details — called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. A Thai Passport, Thai ID or similar official ID may be required to pick up your transfer.
  • Amount sent. You may need to know how much was sent, usually within 10% of the total.
  • Sender's information. Take along your sender's full name, the sending country and their address, if known.

What to watch out for

Sending money to Thai relatives or family members in Thailand may be subject to taxes on the money transfer, but it depends on a lot of variables.

In terms of security, t's always a good idea to check the Department of Foreign Affairs and Trade (DFAT) website before travelling outside of Australia. For Thailand, they recommend that visitors exercise a high degree of caution. 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.

Learn more about using the Thai Baht in Thailand

Bottom line

Sending your hard-earned money to Thailand shouldn't cost a fortune. Compare money transfer companies that specialize in foreign transactions for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country-specific guides the next time you need to make a transfer.

More guides on Finder

International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for Send International Money Transfers
Send International Money Transfers

Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
WorldFirst sends 60+ currencies at competitive rates with no fees. If you find a better eligible quote, WorldFirst will beat it.

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2 Responses

    Default Gravatar
    tonyJuly 17, 2015

    how much money can i send to thailand in one transaction

      Default Gravatar
      JodieJuly 17, 2015

      Hi Tony,

      Thank you for contacting finder.com.au, a financial comparison website.

      Each different transfer company has their own restrictions on how much they will allow you to send per transfer and these can differ depending on the way you are processing your transfer, use the comparison above to find who would be the best option for you with the amount you wish to transfer and contact them to discuss.

      Regards
      Jodie

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