Instarem is the cheapest way to send money from Canada to Thailand based on the 15 companies we analyzed, giving your recipient 23,684.4 THB from $1,000.
| 15 of 15 providers Last updated on 28 September 2026 | |||
| Based on 1,000 CAD transfer Best companies for CAD/THB transfers | |||
| Ad  Wise Pay via Bank Transfer | Fees: $10.85 1 CAD = 23.7273 THB 0.00% vs mid-market | Recipient gets ฿23,469.86 Same day | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $10.851 CAD = 23.7273 THB ฿23,469.86You pay$1,000.00 | |||
| Ad  MoneyGram Pay via Debit Card | Fees: $5.99 1 CAD = 23.0783 THB +2.77% vs mid-market | Recipient gets ฿23,078.30 6-12 Hours | |
Ways to receive money in Thailand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 23.0783 THB ฿23,078.30You pay$1,005.99 Bank deposit6-12 HoursAvailable via:Most Banks $4.991 CAD = 23.0780 THB ฿23,078.00You pay$1,004.99 | |||
Run a live search Showing top Canada to Thailand deals for 1,000 CAD. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live CAD to THB rates. | |||
Run a live search These companies offer multi-currency accounts for spending THB. We suggest doing a live search based on how much CAD you're planning to spend in Thailand. | |||
Run a live search These are managed services with real human support for large CAD transfers. Click the link and update the transfer amount to get the best deal. | |||
 Instarem Pay via Interac | Fees: $0.00 1 CAD = 23.6844 THB +0.18% vs mid-market | Recipient gets ฿23,684.40 6-12 Hours | |
Ways to receive money in Thailand with Instarem when paying by interac. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.6844 THB ฿23,684.40You pay$1,000.00 | |||
 Koho Pay via Bank Transfer | Fees: $5.62 1 CAD = 23.7200 THB +0.03% vs mid-market | Recipient gets ฿23,586.63 Within minutes | |
Ways to receive money in Thailand with Koho when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $5.621 CAD = 23.7200 THB ฿23,586.63You pay$1,000.00 | |||
 Paysend Pay via Debit Card | Fees: $0.00 1 CAD = 23.5864 THB +0.59% vs mid-market | Recipient gets ฿23,586.38 6-12 Hours | |
Ways to receive money in Thailand with Paysend when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.5864 THB ฿23,586.38You pay$1,000.00 | |||
| Paysend Pay via Credit Card | Fees: $0.00 1 CAD = 23.5864 THB +0.59% vs mid-market | Recipient gets ฿23,586.38 6-12 Hours | |
Ways to receive money in Thailand with Paysend when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.5864 THB ฿23,586.38You pay$1,000.00 | |||
 OFX Pay via Bank Transfer | Fees: $0.00 1 CAD = 23.5723 THB +0.65% vs mid-market | Recipient gets ฿23,572.25 6-12 Hours | |
Ways to receive money in Thailand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.5723 THB ฿23,572.25You pay$1,000.00 | |||
 Panda Remit Pay via Bank Transfer | Fees: $8.99 1 CAD = 23.7747 THB -0.20% vs mid-market | Recipient gets ฿23,560.97 6-12 Hours | |
Ways to receive money in Thailand with Panda Remit when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $8.991 CAD = 23.7747 THB ฿23,560.97You pay$1,000.00 | |||
 Currencies Direct Pay via Bank Transfer | Fees: $0.00 1 CAD = 23.5453 THB +0.77% vs mid-market | Recipient gets ฿23,545.30 6-12 Hours | |
Ways to receive money in Thailand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.5453 THB ฿23,545.30You pay$1,000.00 | |||
 Remitly Pay via Bank Transfer | Fees: $0.00 1 CAD = 23.4900 THB +1.00% vs mid-market | Recipient gets ฿23,490.00 2 Days | |
Ways to receive money in Thailand with Remitly when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 23.4900 THB ฿23,490.00You pay$1,000.00 | |||
| Remitly Pay via Interac | Fees: $0.00 1 CAD = 23.4900 THB +1.00% vs mid-market | Recipient gets ฿23,490.00 2 Days | |
Ways to receive money in Thailand with Remitly when paying by interac. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 23.4900 THB ฿23,490.00You pay$1,000.00 | |||
| Wise Pay via Bank Transfer | Fees: $10.85 1 CAD = 23.7273 THB 0.00% vs mid-market | Recipient gets ฿23,469.86 Same day | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer $10.851 CAD = 23.7273 THB ฿23,469.86You pay$1,000.00 | |||
 CurrencyFair Pay via Bank Transfer | Fees: $5.27 1 CAD = 23.5810 THB +0.62% vs mid-market | Recipient gets ฿23,456.00 6-12 Hours | |
Ways to receive money in Thailand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.271 CAD = 23.5810 THB ฿23,456.00You pay$1,000.00 | |||
 Western Union Pay via Debit Card | Fees: $0.00 1 CAD = 23.4165 THB +1.32% vs mid-market | Recipient gets ฿23,416.47 Next Day | |
Ways to receive money in Thailand with Western Union when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 23.4165 THB ฿23,416.47You pay$1,000.00 | |||
| Western Union Pay via Bank Transfer | Fees: $0.00 1 CAD = 23.4165 THB +1.32% vs mid-market | Recipient gets ฿23,416.47 Next Day | |
Ways to receive money in Thailand with Western Union when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 23.4165 THB ฿23,416.47You pay$1,000.00 | |||
 TapTap Send Pay via Debit Card | Fees: $2.99 1 CAD = 23.4000 THB +1.39% vs mid-market | Recipient gets ฿23,400.00 Minutes | |
Ways to receive money in Thailand with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes $2.991 CAD = 23.4000 THB ฿23,400.00You pay$1,002.99 | |||
| Wise Pay via Interac | Fees: $16.55 1 CAD = 23.7273 THB 0.00% vs mid-market | Recipient gets ฿23,334.61 Within minutes | |
Ways to receive money in Thailand with Wise when paying by interac. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $16.551 CAD = 23.7273 THB ฿23,334.61You pay$1,000.00 | |||
 Moneycorp Pay via Bank Transfer | Fees: $0.00 1 CAD = 23.2519 THB +2.00% vs mid-market | Recipient gets ฿23,251.94 Next Day | |
Ways to receive money in Thailand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext Day Free1 CAD = 23.2519 THB ฿23,251.94You pay$1,000.00 | |||
 Ria Money Transfer Pay via Debit Card | Fees: $0.00 1 CAD = 23.2112 THB +2.20% vs mid-market | Recipient gets ฿23,211.20 6-12 Hours | |
Ways to receive money in Thailand with Ria Money Transfer when paying by debit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 23.2112 THB ฿23,211.20You pay$1,000.00 Cash pickup6-12 Hours Free1 CAD = 23.2112 THB ฿23,211.20You pay$1,000.00 | |||
| Wise Pay via Debit Card | Fees: $21.82 1 CAD = 23.7273 THB 0.00% vs mid-market | Recipient gets ฿23,209.57 Within minutes | |
Ways to receive money in Thailand with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $21.821 CAD = 23.7273 THB ฿23,209.57You pay$1,000.00 | |||
| Ria Money Transfer Pay via Credit Card | Fees: $5.00 1 CAD = 23.2112 THB +2.20% vs mid-market | Recipient gets ฿23,095.14 6-12 Hours | |
Ways to receive money in Thailand with Ria Money Transfer when paying by credit card. MethodFee & ratesRecipient gets Bank deposit6-12 Hours $5.001 CAD = 23.2112 THB ฿23,095.14You pay$1,000.00 Cash pickup6-12 Hours $5.001 CAD = 23.2112 THB ฿23,095.14You pay$1,000.00 | |||
| Remitly Pay via Debit Card | Fees: $0.00 1 CAD = 23.0900 THB +2.72% vs mid-market | Recipient gets ฿23,090.00 2 Days | |
Ways to receive money in Thailand with Remitly when paying by debit card. MethodFee & ratesRecipient gets Bank deposit2 Days Free1 CAD = 23.0900 THB ฿23,090.00You pay$1,000.00 | |||
| Remitly Pay via Credit Card | Fees: $20.00 1 CAD = 23.0900 THB +2.72% vs mid-market | Recipient gets ฿23,090.00 2 Days | |
Ways to receive money in Thailand with Remitly when paying by credit card. MethodFee & ratesRecipient gets Bank deposit2 Days $20.001 CAD = 23.0900 THB ฿23,090.00You pay$1,020.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit Card | Fees: $5.99 1 CAD = 23.0783 THB +2.77% vs mid-market | Recipient gets ฿23,078.30 6-12 Hours | |
Ways to receive money in Thailand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 23.0783 THB ฿23,078.30You pay$1,005.99 Bank deposit6-12 HoursAvailable via:Most Banks $4.991 CAD = 23.0780 THB ฿23,078.00You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit Card | Fees: $5.99 1 CAD = 23.0783 THB +2.77% vs mid-market | Recipient gets ฿23,078.30 6-12 Hours | |
Ways to receive money in Thailand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 23.0783 THB ฿23,078.30You pay$1,005.99 Bank deposit6-12 HoursAvailable via:Most Banks $4.991 CAD = 23.0780 THB ฿23,078.00You pay$1,004.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fees: $5.99 1 CAD = 23.0783 THB +2.77% vs mid-market | Recipient gets ฿23,078.30 6-12 Hours | |
Ways to receive money in Thailand with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickup6-12 Hours $5.991 CAD = 23.0783 THB ฿23,078.30You pay$1,005.99 Bank deposit6-12 HoursAvailable via:Most Banks $4.991 CAD = 23.0780 THB ฿23,078.00You pay$1,004.99 | |||
 TD Bank Pay via Bank Transfer | Fees: $0.00 1 CAD = 22.9932 THB +3.14% vs mid-market | Recipient gets ฿22,993.20 6-12 Hours | |
Ways to receive money in Thailand with TD Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit6-12 Hours Free1 CAD = 22.9932 THB ฿22,993.20You pay$1,000.00 | |||
| Wise Pay via Credit Card | Fees: $36.47 1 CAD = 23.7273 THB 0.00% vs mid-market | Recipient gets ฿22,861.97 Within minutes | |
Ways to receive money in Thailand with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $36.471 CAD = 23.7273 THB ฿22,861.97You pay$1,000.00 | |||
| How Our Results Work Mid-market rate: 1 CAD = 23.7265 THB Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Instarem at 23,684.4 THB on $1,000.
More than half of Canadians sending money still pay at a store counter. The same company is often cheaper online.
You have 5 ways to pay, including bank transfer, debit card, credit card, interac, and cash deposit.
Interac e-Transfer is how most companies take your money, moving it into their Canadian account so they can carry it over the border.
First time round you'll need a photo ID, and often where the money came from.
Your first transfer will be slower than the ones after it because of those checks, so send it a few days before it's needed.
How much CAD you send to Thailand heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| $100 | 0.56% | $0.00 | ฿2,358.64with debit card to bank deposit | +฿66.82 | |
| $500 | 0.56% | $0.00 | ฿11,793.19with debit card to bank deposit | +฿155.77 | |
| $1,000This page | 0.18% | $0.00 | ฿23,684.40with interac to bank deposit | +฿352.34 | |
| $10,000 | 0.25% | $0.00 | ฿236,584.94with bank transfer to bank deposit | +฿2,654.15 | |
| $50,000 | 0.20% | $0.00 | ฿1,183,470.27with bank transfer to bank deposit | +฿12,391.67 |
Mid-market rate: 1 CAD = 23.7265 THB
There are 15 companies sending money to India, but how you send depends on your needs.
Most common option
Hand your cash over the counter and your recipient can collect it the same day without needing an app or bank account.
Bring $1,000 in cash to the closest Remitly location, and your recipient picks up 23,490 THB within minutes.
Cash transfers cost more
Cash transfer to Thailand is usually the most expensive option, compare your options above to get the best deal.
For transfers home
An app does the same job as the store for less, and you top it up with an Interac e-Transfer, the same way you'd send money to a friend.
Instarem charges $0 in fees and adds 0.18% markup, so your $1,000 delivers 23,684.4 THB in 6-12 hours.
You don't need a SIN to sign up either, a passport works.
For one-off transfers
For bigger or less frequent transfers, compare a couple of online services on the day, and pick the cheapest.
Of 15 online companies, Instarem is the cheapest and currently gets you 23,684.4 THB on a $1,000 transfer after a $0 fee and 0.18% markup.
Funding by bank transfer (EFT) is cheapest but takes 1-2 days to clear, and Interac e-Transfer or debit card is faster but pricier.
The most expensive way
A wire from your bank carries a $30 to $80 fee, plus another 1.5 to 3% inside the exchange rate that you won't see itemized anywhere.
On a $1,000 transfer, a bank like TD Bank delivers 22,993.2 THB, against 22,993.2 THB with Instarem.
The wire can feel like the safer choice for a big amount, but bank deposit insurance and the safeguards used by money transfer companies are just as safe, just different protections.
For large transfers from Canada
For property, tuition, moving from Canada, or an inheritance, a broker is the best and usually the cheapest option.
Brokers like OFX charge no fees but add 0.65% on CAD/THB interbank rate.
The markup gets lower the more you send, with an account manager handling it end to end.
If you're sending large amounts. expect more questions about the transfers, so have statements and documents ready to avoid delays.
If you already have one
Some neobanks in Canada include international transfers with no transfer fee as part of the account.
Koho sends your $1,000 for $5.62 in fees with 0.03% markup.
It's a good option for small ocasional transfers, but I still suggest .
For businesses paying abroad
Global accounts handle the business side, paying suppliers, contractors and overseas invoices in THB.
Companies like OFX, Airwallex, or WorldFirst are set up for the batch and recurring payments a personal app can't do.
For spending abroad and getting paid
If part of your life runs in THB, be it spending it, saving it, or waiting for a better rate, a multi-currency account can hold it alongside your CAD.
Currencies Direct lets you hold CAD and THB, and convert between them at low cost.
For example, converting $1,000 costs $0 in fees at 0.77% markup, which gets you 23,545.3 THB.
With Instarem, paying by interac and receiving through bank deposit is the cheapest combination. Sending $1,000 gives your recipient 23,684.4 THB.
Deposit CAD using bank transfer, debit card, credit card, interac, and cash deposit.
I suggest using Interac e-Transfer for simplicity
Follow the company's Interac instructions and check the business name before sending.
Do not send to an email address supplied outside the company's app or website.
The recipient can receive THB through bank deposit and cash pickup.
For a bank deposit payout, you will need the recipient's bank details in Thailand.
You pay $1,000.00
฿23,684
Cheapest
You pay $1,000.00
฿23,587
-฿98
You pay $1,000.00
฿23,586
-฿98
You pay $1,000.00
฿23,586
-฿98
You pay $1,000.00
฿23,211
-฿473
You pay $1,000.00
฿23,095
-฿589
You pay $1,005.99
฿23,078
-฿606
You pay $1,004.99
฿23,078
-฿606
Interac can fund an international transfer, but it does not send money abroad by itself. You should also know what happens when a transfer reaches the FINTRAC reporting threshold.
For a $1,000 transfer to Thailand, these are the cheapest, fastest and easiest options available now.
Best way to send money to Thailand
Instarem is the cheapest and easiest option, funded by interac with bank deposit for the payout. Your recipient gets 23,684.4 THB, which is 0.41% more than the next best option.
Fastest way to send money to Thailand
TapTap Send is fastest when you pay by debit card and choose bank deposit for the payout. The transfer delivers 23,400 THB in minutes.
An Interac e-Transfer cannot go directly to a recipient in Thailand.
When a transfer company accepts Interac, you send CAD to its Canadian account and the company handles the international side over its own network.
There is no C$10,000 legal cap on electronic transfers from Canada.
A reporting entity must report an international electronic funds transfer of C$10,000 or more to FINTRAC, including linked transfers that meet the 24-hour rule.
The bank or transfer company makes that report, you do not file it yourself.
But you may be asked for proof of where the money came from.
Sending your own cash or making a genuine cash gift does not create a Canadian gift tax simply because the money goes abroad.
Tax can become relevant when you transfer an appreciated asset rather than cash, or when attribution rules apply.
Money held with a payment company is not covered by CDIC in the same way as an eligible bank deposit.
Payment companies covered by the Retail Payment Activities Act must safeguard end-user funds, but the Bank of Canada does not resolve individual fee or payment disputes.
If you’re unsure about the company, you can check the company in the FINTRAC MSB Registry.
If you live in Quebec, also confirm that it is allowed to provide money services there.
The rate has a direct impact on the THB amount received. The last seven days show how today's CAD quote compares with the recent market.
Mid-market rate:1 CAD = 23.704631 THB
Most of the pricing here comes straight from the companies, and anything we gather by hand is labelled in the table.
That covers 15 FINTRAC-registered companies sending CAD to Thailand, updated in real time during a live search, compared on rates, fees and how your recipient can collect.
Each goes through our review. More on who we are, why you can trust us and getting started.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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