Usually the cheapest
Online transfers
Companies like Wise will get you 265,446.47 THB on €7,000 transfer.
If it's the only time you send money to Thailand, then it's the best option.
For recurring transfers, an app is a bit more convenient.
How to send money to Thailand from Finland with the best EUR-THB rate
We’ve compared and analysed 11 money transfer companies in Finland.
| 11 of 11 providers Last updated on 21 September 2026 This page updates weekly. We collect, store, and analyze EUR/THB exchange rates from our comparisons. | |||
| Based on 7,000 EUR transfer Best companies for EUR/THB transfersAll money transfer offers for EUR/THB transfers, sorted by most THB received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee €53.54 1 EUR = 38.2132 THB +0.03% vs mid-market | Recipient gets ฿265,446.47 Within minutes | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €53.541 EUR = 38.2132 THB ฿265,446.47You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 37.8660 THB +0.94% vs mid-market | Recipient gets ฿265,062.00 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 37.8660 THB ฿265,062.00You pay€7,000.00 | |||
Run a live search Showing top Finland to Thailand deals for 7,000 EUR. 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 EUR 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 EUR you're planning to spend in Thailand. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 38.1293 THB +0.25% vs mid-market | Recipient gets ฿266,905.33 Minutes - 3 days | |
Ways to receive money in Thailand with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 EUR = 38.1293 THB ฿266,905.33You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 38.1217 THB +0.27% vs mid-market | Recipient gets ฿266,851.81 Minutes - 24 hours | |
Ways to receive money in Thailand with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 38.1217 THB ฿266,851.81You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 38.1102 THB +0.30% vs mid-market | Recipient gets ฿266,771.54 Minutes - 24 hours | |
Ways to receive money in Thailand with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 38.1102 THB ฿266,771.54You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 38.0338 THB +0.50% vs mid-market | Recipient gets ฿266,236.39 Minutes - 24 hours | |
Ways to receive money in Thailand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 38.0338 THB ฿266,236.39You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.27 1 EUR = 38.0274 THB +0.52% vs mid-market | Recipient gets ฿266,066.80 Minutes - 24 hours | |
Ways to receive money in Thailand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.271 EUR = 38.0274 THB ฿266,066.80You pay€7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee €0.00 1 EUR = 37.9728 THB +0.66% vs mid-market | Recipient gets ฿265,809.60 Minutes - 24 hours | |
Ways to receive money in Thailand with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 37.9728 THB ฿265,809.60You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €53.54 1 EUR = 38.2132 THB +0.03% vs mid-market | Recipient gets ฿265,446.47 Within minutes | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €53.541 EUR = 38.2132 THB ฿265,446.47You pay€7,000.00 | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 37.8660 THB +0.94% vs mid-market | Recipient gets ฿265,062.00 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 37.8660 THB ฿265,062.00You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 37.8660 THB +0.94% vs mid-market | Recipient gets ฿265,062.00 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 37.8660 THB ฿265,062.00You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 37.8660 THB +0.94% vs mid-market | Recipient gets ฿265,062.00 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 37.8660 THB ฿265,062.00You pay€7,000.00 | |||
| Wise Pay via iDEAL/WERO | Fee €63.62 1 EUR = 38.2132 THB +0.03% vs mid-market | Recipient gets ฿265,061.28 Within minutes | |
Ways to receive money in Thailand with Wise when paying by ideal/wero. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €63.621 EUR = 38.2132 THB ฿265,061.28You pay€7,000.00 | |||
 TapTap Send Pay via Debit card | Fee €1.49 1 EUR = 37.8000 THB +1.12% vs mid-market | Recipient gets ฿264,600.00 Minutes | |
Ways to receive money in Thailand with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes €1.491 EUR = 37.8000 THB ฿264,600.00You pay€7,001.49 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 37.6897 THB +1.40% vs mid-market | Recipient gets ฿263,828.23 Minutes - 2 days | |
Ways to receive money in Thailand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 EUR = 37.6897 THB ฿263,828.23You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 38.0687 THB +0.41% vs mid-market | Recipient gets ฿263,797.25 Within minutes | |
Ways to receive money in Thailand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes €70.501 EUR = 38.0687 THB ฿263,797.25You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| Wise Pay via Debit card | Fee €108.26 1 EUR = 38.2132 THB +0.03% vs mid-market | Recipient gets ฿263,355.44 Within minutes | |
Ways to receive money in Thailand with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €108.261 EUR = 38.2132 THB ฿263,355.44You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €150.08 1 EUR = 38.2132 THB +0.03% vs mid-market | Recipient gets ฿261,757.36 Within minutes | |
Ways to receive money in Thailand with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer €150.081 EUR = 38.2132 THB ฿261,757.36You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee €221.00 1 EUR = 38.0687 THB +0.41% vs mid-market | Recipient gets ฿258,067.91 Within minutes | |
Ways to receive money in Thailand with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes €221.001 EUR = 38.0687 THB ฿258,067.91You pay€7,000.00 | |||
| US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details. | |||
| How Our Results Work Mid-market rate: 1 EUR = 38.224895 THB Updates every 60 minutes. | |||
Transfer details
Transfer details
How to send money from Finland to Thailand
Pick a company
For a one-off transfer to Thailand, start with Key Currency.
On a 7,000 EUR transfer, Key Currency delivers the most THB.
The cheapest option depends on the amount, so I suggest to get the best EUR/THB rate.
Fund your transfer
You have 4 ways to pay, including bank transfer, debit card, credit card, and ideal.
Select how you want the recipient to pick up the money. For transfers to Thailand they can receive it via bank deposit.
Verify and send
If it's your first time using the service, you will need to verify your account.
This usually takes a a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
Ways to send money from Finland to Thailand
11 companies send money from Finland to Thailand, mostly through broker, app, multi-currency account, online, and global account, and a few more ways.
For regular transfers
Money transfer apps
For the regular smaller transfer, apps are convenient and cheap.
Wise charges €53.54 on a €7,000 transfer, and 265,446.47 THB arrives in within minutes.
In Thailand they can receive money via bank deposit.
Moving money between your own accounts
Multi-currency accounts
Companies like Currencies Direct let you hold EUR and THB balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to THB with Currencies Direct gets you 265,809.6 THB (€0 in fees and 0.66% markup).
This is especially useful travel since you are spending in THB (no extra fees from Currencies Direct, only local ATMs).
For freelancers and SMEs
Global accounts
Global accounts are for companies and freelancers making payments to Thailand.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers
Currency brokers are good for sending €10,000+ to Thailand. They charge no fees and add a markup on the rate.
Key Currency charges no fee but adds 0.25% markup on top of the EUR/THB rate.
Ways to fund EUR and receive THB in Thailand
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 266,905.33 THB.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and ideal.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to Thailand directly.
For withdrawals in Thailand, use bank deposit.
Receive THB
The name should match the account holder's bank record, so double check it before sending.
- 1 Bank transfer Bank deposit
You pay €7,000.00
฿266,905
Cheapest
- 2 Debit card Bank deposit
You pay €7,000.00
฿265,062
-฿1,843
- 3 Credit card Bank deposit
You pay €7,000.00
฿265,062
-฿1,843
- 4 Ideal Bank deposit
You pay €7,000.00
฿265,061
-฿1,844
What to consider before sending money from Finland to Thailand
For a transfer from Finland, compare the THB received and check whether the payment is a taxable gift rather than ordinary family support.
Compare EUR/THB transfer options
Compare EUR/THB transfer options
For a €7,000 transfer to Thailand, these are the current cheapest, fastest and easiest options.
Cheapest
Key Currency is cheapest when funded by bank transfer with bank deposit for the payout. Your recipient gets 266,905.33 THB, which is 0.02% more than the next best option.
Fastest
Revolut delivers 263,797.25 THB in within minutes when you pay by bank transfer and choose bank deposit.
Sending a gift from Finland can trigger gift tax
Sending a gift from Finland can trigger gift tax
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Large transfers may take longer
Large transfers may take longer
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in Thailand.
Safety measures in Finland
Safety measures in Finland
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Finding the best rate to send money from Finland to Thailand
The exchange rate has a direct impact on how much THB your recipient gets for your EUR. Checking the weekly range makes transfer quotes easier to compare.
Mid-market rate:1 EUR = 38.207354 THB
How we analyse the market
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 11 of them on EUR to Thailand, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
Nothing appears without passing our review.
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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