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.

Best companies for EUR/THB transfers

11 of 11 providers

Last updated on 28 October 2026

Based on 7,000 EUR transfer

Best companies for EUR/THB transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €53.54 1 EUR = 37.5645 THB -0.01% vs mid-market Recipient gets ฿260,940.30 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 37.5645 THB
฿260,940.30You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 37.2448 THB +0.85% vs mid-market Recipient gets ฿260,713.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Thailand with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.2448 THB
฿260,713.60You 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.

TapTap Send

Pay via Debit card
Fee €1.49 1 EUR = 37.6000 THB -0.10% vs mid-market Recipient gets ฿263,200.00 Minutes
Cheapest
Receive to bank account

Ways to receive money in Thailand with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
€1.491 EUR = 37.6000 THB
฿263,200.00You pay€7,001.49
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 37.4682 THB +0.25% vs mid-market Recipient gets ฿262,277.15 Minutes - 3 days
Personal account managerReceive to bank account

Ways to receive money in Thailand with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 37.4682 THB
฿262,277.15You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 37.4607 THB +0.27% vs mid-market Recipient gets ฿262,224.57 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Thailand with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.4607 THB
฿262,224.57You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 37.4494 THB +0.30% vs mid-market Recipient gets ฿262,145.69 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Thailand with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.4494 THB
฿262,145.69You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 37.3743 THB +0.50% vs mid-market Recipient gets ฿261,619.82 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in Thailand with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.3743 THB
฿261,619.82You pay€7,000.00

CurrencyFair

Pay via Bank transfer
Fee €3.33 1 EUR = 37.3740 THB +0.50% vs mid-market Recipient gets ฿261,493.00 Minutes - 24 hours
Receive to bank account

Ways to receive money in Thailand with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€3.331 EUR = 37.3740 THB
฿261,493.00You pay€7,000.00

Wise

Pay via Bank transfer
Fee €53.54 1 EUR = 37.5645 THB -0.01% vs mid-market Recipient gets ฿260,940.30 Within minutes
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 37.5645 THB
฿260,940.30You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 37.2448 THB +0.85% vs mid-market Recipient gets ฿260,713.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Thailand with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.2448 THB
฿260,713.60You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 37.2448 THB +0.85% vs mid-market Recipient gets ฿260,713.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Thailand with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.2448 THB
฿260,713.60You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 37.2448 THB +0.85% vs mid-market Recipient gets ฿260,713.60 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Thailand with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 37.2448 THB
฿260,713.60You pay€7,000.00

Wise

Pay via iDEAL
Fee €63.62 1 EUR = 37.5645 THB -0.01% vs mid-market Recipient gets ฿260,561.65 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Thailand with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin minutesAvailable via:Bank Transfer
€63.621 EUR = 37.5645 THB
฿260,561.65You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €70.50 1 EUR = 37.4223 THB +0.37% vs mid-market Recipient gets ฿259,317.57 Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Thailand with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€70.501 EUR = 37.4223 THB
฿259,317.57You 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.

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 37.0362 THB +1.40% vs mid-market Recipient gets ฿259,253.41 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 = 37.0362 THB
฿259,253.41You pay€7,000.00

Wise

Pay via Debit card
Fee €108.26 1 EUR = 37.5645 THB -0.01% vs mid-market Recipient gets ฿258,884.77 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 37.5645 THB
฿258,884.77You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €1.99 1 EUR = 36.9765 THB +1.57% vs mid-market Recipient gets ฿258,762.06 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Thailand with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
€1.991 EUR = 36.9765 THB
฿258,762.06You pay€7,000.00

Wise

Pay via Credit card
Fee €150.08 1 EUR = 37.5645 THB -0.01% vs mid-market Recipient gets ฿257,313.82 Within minutes
Multi-currency cardReceive to bank accountDedicated support for large transfers

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 = 37.5645 THB
฿257,313.82You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee €221.00 1 EUR = 37.4223 THB +0.37% vs mid-market Recipient gets ฿253,685.52 Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Thailand with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
€221.001 EUR = 37.4223 THB
฿253,685.52You 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 = 37.5621 THB Updates every 60 minutes.

How to send money from Finland to Thailand

Pick a company

For a one-off EUR transfer to Thailand, start with TapTap Send.

TapTap Send was the cheapest on 14 of the 29 days it quoted €7,000 transfers to Thailand.

On a 7,000 EUR transfer, TapTap Send 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 few minutes to a few hours.

If your transfer is urgent, make sure to get it done beforehand to avoid any delays.

Compare amounts

How much EUR are you sending to Thailand?

How much EUR 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.

Our analysis shows TapTap Send was the cheapest in 60% of the transfers from €2,000 it quoted, and in 63% of all the transfers it quoted.

Cheapest service
€500-0.04%€1.49฿18,800.00with debit card to bank deposit+฿211.26
€2,0000.03%€1.49฿75,200.00with debit card to bank deposit+฿851.84
€7,000This page-0.10%€1.49฿263,200.00with debit card to bank deposit+฿2,975.29

Mid-market rate: 1 EUR = 37.5621 THB

EUR/THB Exchange Rate History

Is today a good time to send money from Finland to Thailand?

The cheapest way to send EUR to THB can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's TapTap Send), across 30 days of comparisons for 7,000 EUR transfers to Thailand.

THB received for €7,000, after fees

Wed, 28 Oct 2026Mid-market rate฿262,934.49 TapTap Send ฿263,200.00TapTap Send฿263,200.00Key Currency฿262,277.15Regency FX฿262,224.57

261 000
262 000
263 000
264 000
265 000
266 000
267 000
268 000
At the mid-market rateWith the cheapest optionTapTap SendKey CurrencyRegency FX
Exchange rateFeeRecipient getsDifference
Mid-market rate 38.1077 – ฿266,754.24
Key Currency Cheapest 38.0125 €0.00 ฿266,087.36 −฿666.88
Regency FX 38.0049 €0.00 ฿266,034.01 −฿720.23
TapTap Send 37.7000 €1.49 ฿263,900.00 −฿2,854.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 38.0550 – ฿266,384.86
Key Currency Cheapest 37.9598 €0.00 ฿265,718.90 −฿665.96
Regency FX 37.9522 €0.00 ฿265,665.62 −฿719.24
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 38.0786 – ฿266,549.89
TapTap Send Cheapest 38.0000 €1.49 ฿266,000.00 −฿549.89
Key Currency 37.9834 €0.00 ฿265,883.52 −฿666.37
Regency FX 37.9757 €0.00 ฿265,830.21 −฿719.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7913 – ฿264,539.32
Key Currency Cheapest 37.6969 €0.00 ฿263,877.97 −฿661.35
Regency FX 37.6893 €0.00 ฿263,825.06 −฿714.26
TapTap Send 37.6000 €1.49 ฿263,200.00 −฿1,339.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7418 – ฿264,192.39
Key Currency Cheapest 37.6474 €0.00 ฿263,531.91 −฿660.48
Regency FX 37.6399 €0.00 ฿263,479.07 −฿713.32
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿1,692.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7229 – ฿264,060.59
Key Currency Cheapest 37.6286 €0.00 ฿263,400.44 −฿660.15
Regency FX 37.6211 €0.00 ฿263,347.63 −฿712.96
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿1,560.59
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7183 – ฿264,028.40
Key Currency Cheapest 37.6240 €0.00 ฿263,368.33 −฿660.07
Regency FX 37.6165 €0.00 ฿263,315.52 −฿712.88
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿1,528.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7252 – ฿264,076.49
Key Currency Cheapest 37.6309 €0.00 ฿263,416.30 −฿660.19
Regency FX 37.6234 €0.00 ฿263,363.48 −฿713.01
TapTap Send 37.6000 €1.49 ฿263,200.00 −฿876.49
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7640 – ฿264,348.11
Key Currency Cheapest 37.6696 €0.00 ฿263,687.24 −฿660.87
Regency FX 37.6621 €0.00 ฿263,634.37 −฿713.74
TapTap Send 37.6000 €1.49 ฿263,200.00 −฿1,148.11
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 37.6000 €1.49 ฿263,200.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.6392 – ฿263,474.44
TapTap Send Cheapest 37.7000 €1.49 ฿263,900.00 +฿425.56
Key Currency 37.5451 €0.00 ฿262,815.76 −฿658.68
Regency FX 37.5376 €0.00 ฿262,763.06 −฿711.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5943 – ฿263,159.87
TapTap Send Cheapest 37.7000 €1.49 ฿263,900.00 +฿740.13
Key Currency 37.5003 €0.00 ฿262,501.97 −฿657.90
Regency FX 37.4928 €0.00 ฿262,449.34 −฿710.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5943 – ฿263,159.87
Key Currency Cheapest 37.5003 €0.00 ฿262,501.97 −฿657.90
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿659.87
Regency FX 37.4928 €0.00 ฿262,449.34 −฿710.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.6068 – ฿263,247.76
Key Currency Cheapest 37.5128 €0.00 ฿262,589.64 −฿658.12
Regency FX 37.5053 €0.00 ฿262,536.99 −฿710.77
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿747.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5084 – ฿262,558.79
TapTap Send Cheapest 37.5000 €1.49 ฿262,500.00 −฿58.79
Key Currency 37.4146 €0.00 ฿261,902.40 −฿656.39
Regency FX 37.4071 €0.00 ฿261,849.88 −฿708.91
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 37.4500 €1.49 ฿262,150.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5803 – ฿263,062.11
TapTap Send Cheapest 37.5000 €1.49 ฿262,500.00 −฿562.11
Key Currency 37.4864 €0.00 ฿262,404.46 −฿657.65
Regency FX 37.4788 €0.00 ฿262,351.85 −฿710.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5582 – ฿262,907.12
TapTap Send Cheapest 37.5000 €1.49 ฿262,500.00 −฿407.12
Key Currency 37.4643 €0.00 ฿262,249.85 −฿657.27
Regency FX 37.4568 €0.00 ฿262,197.27 −฿709.85
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5827 – ฿263,079.21
TapTap Send Cheapest 37.6000 €1.49 ฿263,200.00 +฿120.79
Key Currency 37.4888 €0.00 ฿262,421.51 −฿657.70
Regency FX 37.4813 €0.00 ฿262,368.89 −฿710.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5827 – ฿263,079.21
TapTap Send Cheapest 37.6000 €1.49 ฿263,200.00 +฿120.79
Key Currency 37.4888 €0.00 ฿262,421.51 −฿657.70
Regency FX 37.4813 €0.00 ฿262,368.89 −฿710.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.6267 – ฿263,386.89
TapTap Send Cheapest 37.6000 €1.49 ฿263,200.00 −฿186.89
Key Currency 37.5326 €0.00 ฿262,728.42 −฿658.47
Regency FX 37.5251 €0.00 ฿262,675.74 −฿711.15
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7174 – ฿264,021.92
Key Currency Cheapest 37.6231 €0.00 ฿263,361.86 −฿660.06
Regency FX 37.6156 €0.00 ฿263,309.06 −฿712.86
TapTap Send 37.6000 €1.49 ฿263,200.00 −฿821.92
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7279 – ฿264,095.36
TapTap Send Cheapest 37.7000 €1.49 ฿263,900.00 −฿195.36
Key Currency 37.6336 €0.00 ฿263,435.12 −฿660.24
Regency FX 37.6260 €0.00 ฿263,382.31 −฿713.05
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.8362 – ฿264,853.50
Key Currency Cheapest 37.7416 €0.00 ฿264,191.36 −฿662.14
Regency FX 37.7341 €0.00 ฿264,138.39 −฿715.11
TapTap Send 37.7000 €1.49 ฿263,900.00 −฿953.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.8015 – ฿264,610.58
Key Currency Cheapest 37.7070 €0.00 ฿263,949.06 −฿661.52
TapTap Send 37.7000 €1.49 ฿263,900.00 −฿710.58
Regency FX 37.6994 €0.00 ฿263,896.14 −฿714.44
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.8307 – ฿264,815.08
Key Currency Cheapest 37.7361 €0.00 ฿264,153.04 −฿662.04
Regency FX 37.7286 €0.00 ฿264,100.07 −฿715.01
TapTap Send 37.7000 €1.49 ฿263,900.00 −฿915.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.8307 – ฿264,815.08
Key Currency Cheapest 37.7361 €0.00 ฿264,153.04 −฿662.04
Regency FX 37.7286 €0.00 ฿264,100.07 −฿715.01
TapTap Send 37.5000 €1.49 ฿262,500.00 −฿2,315.08
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 38.0000 €1.49 ฿266,000.00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.7000 – ฿263,900.31
Key Currency Cheapest 37.6058 €0.00 ฿263,240.56 −฿659.75
TapTap Send 37.6000 €1.49 ฿263,200.00 −฿700.31
Regency FX 37.5983 €0.00 ฿263,187.78 −฿712.53
Exchange rateFeeRecipient getsDifference
Mid-market rate 37.5621 – ฿262,934.49
TapTap Send Cheapest 37.6000 €1.49 ฿263,200.00 +฿265.51
Key Currency 37.4682 €0.00 ฿262,277.15 −฿657.34
Regency FX 37.4607 €0.00 ฿262,224.57 −฿709.92

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more THB per EUR than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 5 of the last 30 days.

Right now, TapTap Send pays 263,200 THB on 7,000 EUR, which is 265.51 THB more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 266,087.36 THB.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

If you need to send money now, it's a good time to send.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Thailand.

We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

  1. TapTap SendAppeared in 57 comparisons

    Cheapest in 63% of them

  2. Key CurrencyAppeared in 27 comparisons

    Cheapest in 59% of them

  3. Regency FXAppeared in 27 comparisons

    Never the cheapest

Based on 62 comparisons across 3 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today TapTap Send is the cheapest and gets you the most THB, and it was also the cheapest in 63% of the 57 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Thailand.

Ways to send money from Finland to Thailand

11 companies send money from Finland to Thailand, mostly through broker, app, online, global account, and multi-currency account, and a few more ways.

Usually the cheapest

Online transfers

Companies like Wise will get you 260,940.3 THB on a €7,000 transfer.

In our comparisons over the past month, it was the cheapest online service on 22 of the 29 days it quoted.

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.

For regular transfers

Money transfer apps

For the regular smaller transfer, apps are convenient and cheap.

TapTap Send charges €1.49 on a €7,000 transfer, and 263,200 THB arrives in minutes.

Over the past month, TapTap Send was the cheapest app on 93% of the days it appeared for €7,000 transfers.

In Thailand they can receive money via bank deposit.

Moving money between your own accounts

Multi-currency accounts

Companies like Wise 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 Wise gets you 260,940.3 THB (€53.54 in fees and -0.01% markup).

This is especially useful for travel since you are spending in THB (no extra fees from Wise, only local ATMs).

Over the past month, it came out cheapest among multi-currency accounts on 21% of days.

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.

Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from €2,000 it quoted.

Ways to fund EUR and receive THB in Thailand

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 263,200 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. 1
    Debit card Bank deposit

    You pay €7,001.49

    ฿263,200

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay €7,000.00

    ฿262,277

    -฿923

  3. 3
    Credit card Bank deposit

    You pay €7,000.00

    ฿260,714

    -฿2,486

  4. 4
    iDEAL Bank deposit

    You pay €7,000.00

    ฿260,562

    -฿2,638

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

For a €7,000 transfer to Thailand, these are the current cheapest, fastest and easiest options.

Cheapest

TapTap Send is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 263,200 THB, which is 0.35% more than the next best option.

Fastest

Revolut delivers 259,317.57 THB in within minutes when you pay by bank transfer and choose bank deposit.

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

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

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.

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.

In the past 30 days alone, we analysed 62 comparisons across 3 amounts.

This page covers the cheapest and fastest options for EUR/THB transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

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.