How to Send Money to Thailand from the UK (2026 Guide)

I've been sending money to Thailand regularly for years — for property, living costs, and helping out family. The difference between a strong quote and a weak one is usually hidden in the exchange rate, not in the headline fee.

This guide explains the mechanics. The live pricing table below is pulled from the same benchmark data as the main Send money page, so the guide does not carry a stale standalone comparison.

Current benchmark

We benchmark 8 providers weekly on a timestamped £1,000 UK-to-Thailand transfer. Last checked 23 May 2026, 15:05 BST. Rows marked quote required did not expose a comparable public final-baht figure without a quote flow.

Benchmark mid-market reference: 43.8731 GBP/THB. Last checked 23 May 2026, 15:05 BST. See the full benchmark notes.

Wise (formerly TransferWise)

In the current public benchmark, Wise showed ฿43,542 received on £1,000, with a visible £7.84 fee and delivery listed as seconds.

The practical advantage is quote clarity: the rate, fee, and expected baht received are shown before you send. The live quote still matters, because funding method, verification, weekend pricing, limits, and receiving-bank friction can change the final outcome.

Best for: Routine payments where the live quote still matches the benchmark and the recipient bank details are straightforward.

Revolut

Revolut can be competitive, especially for existing customers who can check the exact in-app transfer quote before sending. The public converter is useful context, but the app remains the quote to trust because plan rules, fair-use pricing, funding method, and weekend pricing can change the final baht.

Best for: Existing Revolut users who can verify the final in-app quote and understand their plan limits.

OFX and Specialist Brokers

For larger transfers — buying property, moving pension income, or transferring savings — OFX and other specialist currency brokers are worth quoting because support, documentation, rate alerts, and hedging tools can matter as much as the visible fee. Do not assume a broker is cheaper; ask for the final baht received and compare it with the live Wise, Revolut, and bank quote.

Best for: Larger payments where documentation, support, rate locks, or staged transfers matter.

Why your UK bank needs checking

A UK bank can be convenient, but convenience is not the same as value. The cost may sit in the exchange-rate margin, fixed transfer fee, correspondent-bank route, or receiving-bank charge. Before using a bank, compare the exact final baht received against at least one specialist provider.

Step-by-Step: Sending Money to Thailand

1. Compare rates on the day. Check the final baht received, not only the advertised fee.
2. Set up your account. Most services need ID verification. Do this before you need to send urgently.
3. Get the recipient's bank details. Thai bank name, account number, and full name as it appears on the account.
4. Enter the transfer details. Double-check everything.
5. Pay for the transfer. Compare bank transfer, debit card, and any other funding options because the method can change the fee or rate.
6. Track and confirm. Most services give you a tracking link.

Which Thai Banks Receive International Transfers?

• Bangkok Bank
• Kasikornbank (KBank)
• SCB (Siam Commercial Bank)
• Krungsri (Bank of Ayudhya)

Provider support varies by payout route, so check the exact recipient bank in the live quote flow before assuming the transfer will be accepted or delivered quickly.

Hidden Fees to Watch Out For

• Exchange-rate spread: Compare the quote against a mid-market reference.
• Intermediary fees: SWIFT or correspondent-bank routes can reduce the amount received.
• Thai receiving fees: The recipient bank may apply its own charge or documentation process.
• Weekend or fair-use pricing: Some services price differently outside market hours or above plan limits.
• Card payment surcharges: Paying by card can cost more than bank transfer funding.

Tax and Legal Considerations

A transfer is only one part of the tax and compliance picture. The source of the money, your tax residence, the recipient, and the purpose can matter more than the payment rail. Providers and banks may ask for source-of-funds documents, purpose-of-payment details, property paperwork, pension documents, or business records before releasing a large transfer. If tax treatment matters, ask an accountant before you move the money.