How to send money to Thailand from the US with the best USD-THB rate
We compared 14 companies sending money from the United States to Thailand. TapTap Send is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with TapTap Send gets your recipient 233,800 THB at 33.4000 THB per USD.
Best companies for USD/THB transfers
14 of 14 providers
Last updated on 10 November 2026i
This page updates weekly. We collect, store, and analyze USD/THB exchange rates from our comparisons.
Based on 7,000 USD transfer
Best companies for USD/THB transfers
All money transfer offers for USD/THB transfers, sorted by most THB received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
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 USD = 33.2764 THB
฿232,934.80You pay$7,000.00
Run a live search
Showing top United States to Thailand deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Thailand.
Run a live search
These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Mid-market rate: 1 USD = 33.3500 THBUpdates every 60 minutes.
Transfer details
How to send money from US to Thailand
Pick a company
If you're sending a one-off transfer, then TapTap Send is the best option.
TapTap Send was the cheapest on 5 of the 30 days it quoted $7,000 transfers to Thailand.
For recurring transfers, I'd suggest using an app like TapTap Send or a multi-currency account.
For large transfers, a broker like Xe is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
Pay for it
You have 4 ways to pay for your transfer to Thailand, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
Check and send
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
Compare amounts
How much USD are you sending to Thailand?
How much USD 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 20% of the transfers from $5,000 it quoted, and in 15% of all the transfers it quoted.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
$500
-0.47%
$0.00
฿16,765.00with bank transfer to bank deposit
+฿527.68
$2,000
-1.08%
$0.00
฿67,440.00with bank transfer to bank deposit
+฿1,655.94
$5,000
-0.23%
$0.00
฿167,250.00with bank transfer to bank deposit
+฿1,793.92
$7,000This page
-0.15%
$1.99
฿233,800.00with debit card to bank deposit
+฿2,400.53
$10,000
-0.13%
$1.99
฿334,000.00with debit card to bank deposit
+฿3,347.89
$50,000
-0.18%
$1.99
฿1,670,000.00with debit card to bank deposit
+฿16,552.44
$100,000
-0.17%
$1.99
฿3,340,000.00with debit card to bank deposit
+฿32,453.53
$250,000
-0.11%
$1.99
฿8,350,000.00with debit card to bank deposit
+฿77,985.22
Mid-market rate: 1 USD = 33.3500 THB
USD/THB Exchange Rate History
Is today a good time to send money from US to Thailand?
The cheapest way to send USD 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 USD transfers to Thailand.
Show on chart
THB received for $7,000, after fees
Tue, Nov 10, 2026Mid-market rate฿233,450.15TapTap Send฿233,800.00Wells Fargo฿226,931.84TapTap Send฿233,800.00Sendwave฿233,541.01Xe฿232,934.80Extra cost of a bank฿6,868.16
224,000
226,000
228,000
230,000
232,000
234,000
236,000
238,000
At the mid-market rateWith the cheapest optionWith a bankTapTap SendSendwaveXe
Nov 4Nov 5Nov 6Nov 7Nov 8Nov 9Nov 10
224,000
226,000
228,000
230,000
232,000
234,000
236,000
238,000
At the mid-market rateWith the cheapest optionWith a bankTapTap SendSendwaveXe
Oct 12Oct 22Oct 31Nov 10
220,000
225,000
230,000
235,000
240,000
At the mid-market rateWith the cheapest optionWith a bankTapTap SendSendwaveXe
Aug 13Sep 12Oct 11Nov 10
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5640
–
฿234,948.13
Locked-in rate
SendwaveCheapest
33.5413
$0.99
฿234,756.10
−฿192.03
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
−฿1,148.13
Locked-in rate
Xe
33.2502
$0.00
฿232,751.40
−฿2,196.73
Rate collected on 9 October 2026
Wells Fargo
32.4791
$0.00
฿227,353.70
−฿7,594.43
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5390
–
฿234,772.75
Locked-in rate
SendwaveCheapest
33.5437
$0.99
฿234,772.76
+฿0.01
Locked-in rate
TapTap Send
33.4500
$1.99
฿234,150.00
−฿622.75
Locked-in rate
Xe
33.2843
$0.00
฿232,990.10
−฿1,782.65
Rate collected on 9 October 2026
Wells Fargo
32.4670
$0.00
฿227,269.00
−฿7,503.75
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5700
–
฿234,989.93
Locked-in rate
Key CurrencyCheapest
33.4861
$0.00
฿234,402.46
−฿587.47
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
−฿1,189.93
Locked-in rate
Xe
33.3011
$0.00
฿233,107.70
−฿1,882.23
Rate collected on 13 October 2026
Wells Fargo
32.5072
$0.00
฿227,550.60
−฿7,439.33
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5030
–
฿234,520.86
Locked-in rate
SendwaveCheapest
33.5521
$0.99
฿234,831.41
+฿310.55
Locked-in rate
TapTap Send
33.4500
$1.99
฿234,150.00
−฿370.86
Locked-in rate
Xe
33.3084
$0.00
฿233,158.80
−฿1,362.06
Rate collected on 13 October 2026
Wells Fargo
32.5072
$0.00
฿227,550.60
−฿6,970.26
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.4270
–
฿233,988.91
Locked-in rate
SendwaveCheapest
33.4531
$0.99
฿234,138.58
+฿149.67
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
−฿188.91
Locked-in rate
Xe
33.2725
$0.00
฿232,907.50
−฿1,081.41
Rate collected on 13 October 2026
Wells Fargo
32.3605
$0.00
฿226,523.75
−฿7,465.16
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.4450
–
฿234,115.27
Locked-in rate
SendwaveCheapest
33.4512
$0.99
฿234,125.21
+฿9.94
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
−฿315.27
Locked-in rate
Xe
33.2557
$0.00
฿232,789.90
−฿1,325.37
Rate collected on 16 October 2026
Wells Fargo
32.3740
$0.00
฿226,618.06
−฿7,497.21
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.4450
–
฿234,115.27
Locked-in rate
TapTap SendCheapest
33.4000
$1.99
฿233,800.00
−฿315.27
Locked-in rate
Xe
33.2557
$0.00
฿232,789.90
−฿1,325.37
Rate collected on 16 October 2026
Wells Fargo
32.3740
$0.00
฿226,618.06
−฿7,497.21
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5720
–
฿235,004.29
Locked-in rate
TapTap SendCheapest
33.5000
$1.99
฿234,500.00
−฿504.29
Locked-in rate
Xe
33.2557
$0.00
฿232,789.90
−฿2,214.39
Rate collected on 16 October 2026
Wells Fargo
32.3740
$0.00
฿226,618.06
−฿8,386.23
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5695
–
฿234,986.49
Locked-in rate
SendwaveCheapest
33.5854
$0.99
฿235,064.27
+฿77.78
Locked-in rate
TapTap Send
33.5000
$1.99
฿234,500.00
−฿486.49
Locked-in rate
Xe
33.2926
$0.00
฿233,048.20
−฿1,938.29
Rate collected on 16 October 2026
Wells Fargo
32.5324
$0.00
฿227,726.61
−฿7,259.88
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.6150
–
฿235,304.83
Locked-in rate
TapTap SendCheapest
33.6000
$1.99
฿235,200.00
−฿104.83
Locked-in rate
Xe
33.3271
$0.00
฿233,289.70
−฿2,015.13
Rate collected on 20 October 2026
Wells Fargo
32.5541
$0.00
฿227,878.84
−฿7,425.99
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.6635
–
฿235,644.54
Locked-in rate
SendwaveCheapest
33.6683
$0.99
฿235,644.63
+฿0.10
Locked-in rate
TapTap Send
33.6000
$1.99
฿235,200.00
−฿444.54
Locked-in rate
Xe
33.3648
$0.00
฿233,553.60
−฿2,090.93
Rate collected on 20 October 2026
Wells Fargo
32.6001
$0.00
฿228,200.80
−฿7,443.74
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7490
–
฿236,243.14
Locked-in rate
Key CurrencyCheapest
33.6646
$0.00
฿235,652.53
−฿590.61
Locked-in rate
TapTap Send
33.6000
$1.99
฿235,200.00
−฿1,043.14
Locked-in rate
Xe
33.3480
$0.00
฿233,436.00
−฿2,807.14
Rate collected on 20 October 2026
Wells Fargo
32.6868
$0.00
฿228,807.43
−฿7,435.71
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7704
–
฿236,392.58
Locked-in rate
Key CurrencyCheapest
33.6859
$0.00
฿235,801.60
−฿590.98
Locked-in rate
TapTap Send
33.6000
$1.99
฿235,200.00
−฿1,192.58
Locked-in rate
Xe
33.3648
$0.00
฿233,553.60
−฿2,838.98
Rate collected on 23 October 2026
Wells Fargo
32.6897
$0.00
฿228,827.87
−฿7,564.71
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7704
–
฿236,392.58
Locked-in rate
Key CurrencyCheapest
33.6859
$0.00
฿235,801.60
−฿590.98
Locked-in rate
TapTap Send
33.6000
$1.99
฿235,200.00
−฿1,192.58
Locked-in rate
Xe
33.3480
$0.00
฿233,436.00
−฿2,956.58
Rate collected on 23 October 2026
Wells Fargo
32.6897
$0.00
฿228,827.87
−฿7,564.71
SendwaveNo quote collected this day
–
–
–
–
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.8245
–
฿236,771.49
Locked-in rate
SendwaveCheapest
33.8071
$0.99
฿236,615.95
−฿155.54
Locked-in rate
TapTap Send
33.7000
$1.99
฿235,900.00
−฿871.49
Locked-in rate
Xe
33.3976
$0.00
฿233,783.20
−฿2,988.29
Rate collected on 23 October 2026
Wells Fargo
32.7468
$0.00
฿229,227.73
−฿7,543.76
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7502
–
฿236,251.48
Locked-in rate
SendwaveCheapest
33.7727
$0.99
฿236,375.26
+฿123.78
Locked-in rate
TapTap Send
33.6000
$1.99
฿235,200.00
−฿1,051.48
Locked-in rate
Xe
33.5007
$0.00
฿234,504.90
−฿1,746.58
Rate collected on 23 October 2026
Wells Fargo
32.6941
$0.00
฿228,858.37
−฿7,393.11
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7945
–
฿236,561.49
Locked-in rate
SendwaveCheapest
33.8071
$0.99
฿236,616.30
+฿54.81
Locked-in rate
TapTap Send
33.7000
$1.99
฿235,900.00
−฿661.49
Locked-in rate
Xe
33.4472
$0.00
฿234,130.40
−฿2,431.09
Rate collected on 27 October 2026
Wells Fargo
32.7397
$0.00
฿229,177.98
−฿7,383.51
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7565
–
฿236,295.49
Locked-in rate
SendwaveCheapest
33.7574
$0.99
฿236,268.45
−฿27.04
Locked-in rate
TapTap Send
33.7000
$1.99
฿235,900.00
−฿395.49
Locked-in rate
Xe
33.5327
$0.00
฿234,728.90
−฿1,566.59
Rate collected on 27 October 2026
Wells Fargo
32.6961
$0.00
฿228,872.88
−฿7,422.61
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7070
–
฿235,949.28
Locked-in rate
SendwaveCheapest
33.7083
$0.99
฿235,924.66
−฿24.62
Locked-in rate
TapTap Send
33.5500
$1.99
฿234,850.00
−฿1,099.28
Locked-in rate
Xe
33.4770
$0.00
฿234,339.00
−฿1,610.28
Rate collected on 27 October 2026
Wells Fargo
32.6477
$0.00
฿228,533.88
−฿7,415.40
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7230
–
฿236,061.27
Locked-in rate
SendwaveCheapest
33.7645
$0.99
฿236,318.35
+฿257.08
Locked-in rate
TapTap Send
33.5500
$1.99
฿234,850.00
−฿1,211.27
Locked-in rate
Xe
33.4190
$0.00
฿233,933.00
−฿2,128.27
Rate collected on 30 October 2026
Wells Fargo
32.6998
$0.00
฿228,898.85
−฿7,162.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7230
–
฿236,061.27
Locked-in rate
SendwaveCheapest
33.7645
$0.99
฿236,318.35
+฿257.08
Locked-in rate
TapTap Send
33.5500
$1.99
฿234,850.00
−฿1,211.27
Locked-in rate
Xe
33.4190
$0.00
฿233,933.00
−฿2,128.27
Rate collected on 30 October 2026
Wells Fargo
32.6998
$0.00
฿228,898.85
−฿7,162.42
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7901
–
฿236,531.04
Locked-in rate
SendwaveCheapest
33.7876
$0.99
฿236,479.82
−฿51.22
Locked-in rate
TapTap Send
33.5500
$1.99
฿234,850.00
−฿1,681.04
Locked-in rate
Xe
33.4190
$0.00
฿233,933.00
−฿2,598.04
Rate collected on 30 October 2026
Wells Fargo
32.6998
$0.00
฿228,898.85
−฿7,632.19
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.7370
–
฿236,159.24
Locked-in rate
SendwaveCheapest
33.7454
$0.99
฿236,184.04
+฿24.80
Locked-in rate
TapTap Send
33.7000
$1.99
฿235,900.00
−฿259.24
Locked-in rate
Xe
33.4190
$0.00
฿233,933.00
−฿2,226.24
Rate collected on 30 October 2026
Wells Fargo
32.6703
$0.00
฿228,692.17
−฿7,467.07
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.6725
–
฿235,707.49
Locked-in rate
TapTap SendCheapest
33.7000
$1.99
฿235,900.00
+฿192.51
Locked-in rate
Sendwave
33.6729
$0.99
฿235,676.75
−฿30.74
Locked-in rate
Xe
33.4871
$0.00
฿234,409.70
−฿1,297.79
Rate collected on 30 October 2026
Wells Fargo
32.6703
$0.00
฿228,692.17
−฿7,015.32
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.3870
–
฿233,709.11
Locked-in rate
XeCheapest
33.4655
$0.00
฿234,258.50
+฿549.39
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
+฿90.89
Locked-in rate
Sendwave
33.3735
$0.99
฿233,581.32
−฿127.79
Rate collected on 3 November 2026
Wells Fargo
32.3559
$0.00
฿226,491.16
−฿7,217.95
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5670
–
฿234,969.10
Locked-in rate
SendwaveCheapest
33.5415
$0.99
฿234,757.29
−฿211.81
Locked-in rate
TapTap Send
33.4000
$1.99
฿233,800.00
−฿1,169.10
Locked-in rate
Xe
33.2297
$0.00
฿232,607.90
−฿2,361.20
Rate collected on 3 November 2026
Wells Fargo
32.4721
$0.00
฿227,304.72
−฿7,664.38
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5504
–
฿234,852.58
Locked-in rate
SendwaveCheapest
33.5670
$0.99
฿234,935.84
+฿83.26
Locked-in rate
TapTap Send
33.3000
$1.99
฿233,100.00
−฿1,752.58
Locked-in rate
Xe
33.2297
$0.00
฿232,607.90
−฿2,244.68
Rate collected on 3 November 2026
Wells Fargo
32.5084
$0.00
฿227,558.96
−฿7,293.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.5504
–
฿234,852.58
Locked-in rate
SendwaveCheapest
33.5670
$0.99
฿234,935.84
+฿83.26
Locked-in rate
TapTap Send
33.3000
$1.99
฿233,100.00
−฿1,752.58
Locked-in rate
Xe
33.2764
$0.00
฿232,934.80
−฿1,917.78
Rate collected on 3 November 2026
Wells Fargo
32.5084
$0.00
฿227,558.96
−฿7,293.62
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.4875
–
฿234,412.49
Locked-in rate
SendwaveCheapest
33.4763
$0.99
฿234,301.24
−฿111.25
Locked-in rate
TapTap Send
33.3000
$1.99
฿233,100.00
−฿1,312.49
Locked-in rate
Xe
33.2764
$0.00
฿232,934.80
−฿1,477.69
Rate collected on 3 November 2026
Wells Fargo
32.4188
$0.00
฿226,931.84
−฿7,480.65
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
33.3500
–
฿233,450.15
Locked-in rate
TapTap SendCheapest
33.4000
$1.99
฿233,800.00
+฿349.85
Locked-in rate
Sendwave
33.3677
$0.99
฿233,541.01
+฿90.86
Locked-in rate
Xe
33.2764
$0.00
฿232,934.80
−฿515.35
Rate collected on 3 November 2026
Wells Fargo
32.4188
$0.00
฿226,931.84
−฿6,518.31
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
33.3500
–
฿233,450.15
BankNo quote collected this day
–
–
–
–
TapTap Send
Sendwave
Xe
Wells Fargo
Key Currency
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. The bank line is the cheapest bank available on each day.
Understanding USD/THB exchange rate
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 USD 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 16 of the last 30 days.
Right now, TapTap Send pays 233,800 THB on 7,000 USD, which is 349.85 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 236,616.30 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 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Transfer amount
Locked-in rate
TapTap SendAppeared in 56 comparisons
Cheapest in 23% of them
Locked-in rate
SendwaveAppeared in 35 comparisons
Cheapest in 26% of them
Locked-in rate
XeAppeared in 49 comparisons
Cheapest in 2% of them
Rate collected on 3 November 2026
Wells FargoAppeared in 35 comparisons
Never the cheapest
Nov 4Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 56 comparisons across 8 amounts over the last 7 days.
Locked-in rate
TapTap SendAppeared in 240 comparisons
Cheapest in 15% of them
Locked-in rate
SendwaveAppeared in 122 comparisons
Cheapest in 39% of them
Locked-in rate
XeAppeared in 210 comparisons
Cheapest in 0% of them
Rate collected on 3 November 2026
Wells FargoAppeared in 150 comparisons
Never the cheapest
Oct 12Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 240 comparisons across 8 amounts over the last 30 days.
Locked-in rate
TapTap SendAppeared in 545 comparisons
Cheapest in 12% of them
Locked-in rate
SendwaveAppeared in 338 comparisons
Cheapest in 62% of them
Locked-in rate
XeAppeared in 455 comparisons
Cheapest in 2% of them
Rate collected on 3 November 2026
Wells FargoAppeared in 449 comparisons
Never the cheapest
Aug 13Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 545 comparisons across 8 amounts over the last 90 days.
Is the cheapest money transfer company always the best?
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 analyze 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, but it was the cheapest in only 15% of the 240 comparisons it appeared in over the past month.
Sendwave (today's second cheapest) was the cheapest in only 39% of its comparisons, so it's rarely the cheapest option for transfers to Thailand.
If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.
Ways to send money from the US to Thailand
There are 14 companies available for sending money from the US to Thailand, across app, currency broker, online, multi-currency account, global business account, in person, and bank, and more.
For regular transfers home
Money transfer apps
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
TapTap Send charges $1.99 on a $7,000 transfer with -0.15% markup, saves your recipient's details for next time, and THB arrives in minutes.
Over the past month, TapTap Send was the cheapest app on 23% of the days it appeared for $7,000 transfers.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Cash & in-person transfers
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 232,430.10 THB in minutes - 24 hours.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
Online transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Thailand.
Of all online companies listed here, Xe gets you the most THB per USD.
On a $7,000 transfer, you will get 232,934.80 THB after a $0 fee and 0.22% markup.
In our comparisons over the past month, it was the cheapest online service on 6 of the 30 days it quoted.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
Currency brokers
For large transfers to Thailand (e.g. a property purchase, tuition, or moving to Thailand), a broker like Xe charges no fee, gives you a dedicated account manager, and adds 0.22% markup on USD/THB that gets lower the more you send.
Our analysis shows Xe was the cheapest broker in 4% of the transfers from $5,000 it quoted.
It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).
Only if you have to
Banks
Wiring money abroad from your bank is the most expensive option.
On a $7,000 transfer, a bank like Wells Fargo gets your recipient 226,931.84 THB, against 233,800 THB with TapTap Send (the overall cheapest option).
We found Wells Fargo was the cheapest bank on 30 of the 30 days it appeared for this amount.
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
Multi-currency accounts
A multi-currency account like Currencies Direct is the best for holding and receiving THB.
This is useful for traveling to Thailand, building up THB balance, or receiving payments in THB.
Currencies Direct converts $7,000 at 0.64% markup plus small fee and holds the THB until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 80% of days.
Ways to fund USD 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 233,800 THB.
Our data shows that TapTap Send gets your recipient 6,868.16 THB more than Wells Fargo, today's cheapest bank, on the same $7,000.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Thailand.
You can deposit cash
You'll need to visit the nearest MoneyGram branch and hand over $7,000.
MoneyGram is the cheapest option and will get you 232,430.10 THB on a $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle and Cash App only send money within the US, so neither can send money to Thailand.
Your recipient in Thailand can collect THB through bank deposit, card deposit, and cash pickup.
They can collect cash in Thailand
Your recipient can collect THB from a participating MoneyGram location in Thailand.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
1
Debit card→Bank deposit
You pay $7,001.99
฿233,800
Cheapest
2
Bank transfer→Bank deposit
You pay $7,000.00
฿232,935
-฿865
3
Bank transfer→Card deposit
You pay $7,074.99
฿232,430
-฿1,370
4
Bank transfer→Cash pickup
You pay $7,000.99
฿231,859
-฿1,941
5
Debit card→Cash pickup
You pay $7,075.99
฿231,858
-฿1,942
Show moreShow less
6
Credit card→Cash pickup
You pay $7,122.50
฿231,858
-฿1,942
7
Debit card→Card deposit
You pay $7,052.99
฿230,890
-฿2,910
8
Cash deposit→Cash pickup
You pay $7,060.79
฿230,576
-฿3,224
9
Credit card→Bank deposit
You pay $7,070.00
฿230,313
-฿3,487
Things to consider before sending USD to Thailand
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
1
Find the right USD/THB company
Cheapest way to send money to Thailand
The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 233,800 THB, which is 0.11% more than the next best option.
Fastest way to send money to Thailand
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 231,150.68 THB, with the money arriving in within minutes.
2
Cash-funded transfers now carry a 1% tax
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
3
The $10,000 rule is not a transfer limit
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
4
You normally have 30 minutes to cancel
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
For transfers over $10,000, Xe is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Thailand.
While Xe may not always be the cheapest or fastest way to send THB, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
How we analyze the market
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Thailand and the United States.
We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 240 comparisons across 8 amounts.
This page covers the cheapest and fastest options for USD/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.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
Please share your experience with …