We compared 13 companies sending money from the United States to Thailand. Xe is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with Xe gets your recipient 231,259.7 THB at 33.0371 THB per USD.
| 13 of 13 providers Last updated on 4 September 2026 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 transfersAll 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. | |||
| Promoted  Wise Pay via Bank transfer | Fee $49.25 1 USD = 32.9325 THB 0.00% vs mid-market | Recipient gets ฿228,905.57 Within 3 hours | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $49.251 USD = 32.9325 THB ฿228,905.57You pay$7,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee $0.00 1 USD = 33.0371 THB -0.32% vs mid-market | Recipient gets ฿231,259.70 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 33.0371 THB ฿231,259.70You 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. | |||
| Xe Pay via Bank transfer | Fee $0.00 1 USD = 33.0371 THB -0.32% vs mid-market | Recipient gets ฿231,259.70 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 33.0371 THB ฿231,259.70You pay$7,000.00 | |||
 TapTap Send Pay via Debit card | Fee $1.99 1 USD = 33.0000 THB -0.20% vs mid-market | Recipient gets ฿231,000.00 Minutes | |
Ways to receive money in Thailand with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes $1.991 USD = 33.0000 THB ฿231,000.00You pay$7,001.99 | |||
| $0 fee on first online transfers  MoneyGram Pay via Bank transfer | Fee $0.99 1 USD = 32.9065 THB +0.08% vs mid-market | Recipient gets ฿230,345.50 Minutes - 24 hours | |
Ways to receive money in Thailand with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $0.991 USD = 32.9065 THB ฿230,345.50You pay$7,000.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks $0.991 USD = 32.6742 THB ฿228,719.40You pay$7,000.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $74.991 USD = 32.3335 THB ฿226,334.50You pay$7,074.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Debit card | Fee $75.99 1 USD = 32.9065 THB +0.08% vs mid-market | Recipient gets ฿230,345.50 Minutes - 24 hours | |
Ways to receive money in Thailand with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $75.991 USD = 32.9065 THB ฿230,345.50You pay$7,075.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks $1.991 USD = 32.6742 THB ฿228,719.40You pay$7,001.99 Card depositMinutes - 24 hoursAvailable via:Bank Debit Card $52.991 USD = 32.3335 THB ฿226,334.50You pay$7,052.99 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee $122.50 1 USD = 32.9065 THB +0.08% vs mid-market | Recipient gets ฿230,345.50 Minutes - 24 hours | |
Ways to receive money in Thailand with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $122.501 USD = 32.9065 THB ฿230,345.50You pay$7,122.50 Bank depositMinutes - 24 hoursAvailable via:Most Banks $70.001 USD = 32.6742 THB ฿228,719.40You pay$7,070.00 | |||
| Xe Pay via Debit card | Fee $35.00 1 USD = 33.0371 THB -0.32% vs mid-market | Recipient gets ฿230,103.40 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $35.001 USD = 33.0371 THB ฿230,103.40You pay$7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee $0.00 1 USD = 32.8507 THB +0.25% vs mid-market | Recipient gets ฿229,954.85 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 USD = 32.8507 THB ฿229,954.85You pay$7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee $0.00 1 USD = 32.8441 THB +0.27% vs mid-market | Recipient gets ฿229,908.75 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 USD = 32.8441 THB ฿229,908.75You pay$7,000.00 | |||
 OFX Pay via Bank transfer | Fee $0.00 1 USD = 32.7684 THB +0.50% vs mid-market | Recipient gets ฿229,378.53 Minutes - 24 hours | |
Ways to receive money in Thailand with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 USD = 32.7684 THB ฿229,378.53You pay$7,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee $0.00 1 USD = 32.7525 THB +0.55% vs mid-market | Recipient gets ฿229,267.50 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 USD = 32.7525 THB ฿229,267.50You pay$7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee $3.80 1 USD = 32.7380 THB +0.59% vs mid-market | Recipient gets ฿229,041.00 Minutes - 24 hours | |
Ways to receive money in Thailand with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $3.801 USD = 32.7380 THB ฿229,041.00You pay$7,000.00 | |||
| Wise Pay via Bank transfer | Fee $49.25 1 USD = 32.9325 THB 0.00% vs mid-market | Recipient gets ฿228,905.57 Within 3 hours | |
Ways to receive money in Thailand with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin 3 hoursAvailable via:Bank Transfer $49.251 USD = 32.9325 THB ฿228,905.57You pay$7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee $40.50 1 USD = 32.8076 THB +0.38% vs mid-market | Recipient gets ฿228,324.17 Within minutes | |
Ways to receive money in Thailand with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $40.501 USD = 32.8076 THB ฿228,324.17You 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. | |||
| $0 fee on first online transfers MoneyGram Pay via Cash deposit | Fee $60.79 1 USD = 32.5249 THB +1.25% vs mid-market | Recipient gets ฿227,674.30 Minutes - 24 hours | |
Ways to receive money in Thailand with MoneyGram when paying by cash deposit. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours $60.791 USD = 32.5249 THB ฿227,674.30You pay$7,060.79 | |||
 Moneycorp Pay via Bank transfer | Fee $0.00 1 USD = 32.4720 THB +1.40% vs mid-market | Recipient gets ฿227,303.75 Minutes - 2 days | |
Ways to receive money in Thailand with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 USD = 32.4720 THB ฿227,303.75You pay$7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee $1.99 1 USD = 32.4341 THB +1.53% vs mid-market | Recipient gets ฿226,974.02 Minutes - 2 days | |
Ways to receive money in Thailand with WorldRemit when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days $1.991 USD = 32.4341 THB ฿226,974.02You pay$7,000.00 Card depositMinutes - 2 days Free1 USD = 32.4184 THB ฿226,929.15You pay$7,000.00 | |||
| Xe Pay via Credit card | Fee $210.00 1 USD = 33.0371 THB -0.32% vs mid-market | Recipient gets ฿224,321.91 Minutes - 24 hours | |
Ways to receive money in Thailand with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $210.001 USD = 33.0371 THB ฿224,321.91You pay$7,000.00 | |||
 Wells Fargo Pay via Bank transfer | Fee $0.00 1 USD = 31.9008 THB +3.18% vs mid-market | Recipient gets ฿223,305.48 | |
Ways to receive money in Thailand with Wells Fargo when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit Free1 USD = 31.9008 THB ฿223,305.48You pay$7,000.00 | |||
| How Our Results Work Mid-market rate: 1 USD = 32.933026 THB Updates every 60 minutes. | |||
Transfer details
If you're sending a one-off transfer, then Xe is the best option.
For recurring transfers, I'd suggest using an app or a multi-currency account with Xe.
For large transfers using 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.
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 day or two).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but its 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).
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.
There are 13 companies available for sending money from the US to Thailand, across app, broker, online, multi-currency account, global account, in person, and bank, and more.
For regular transfers home
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
Xe charges $0 on a $7,000 transfer with -0.32% markup, saves your recipient's details for next time, and THB arrives in minutes - 24 hours.
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
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 230,345.5 THB in minutes - 24 hours.
However, transfers funded with cash or a money order carry a 1% federal tax from January 2021. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off 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 231,259.7 THB after a $0 fee and -0.32% markup.
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
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 -0.32% markup on USD/THB that gets lower the more you send.
It's also good to check Wise since you get a bulk discount on transfers over $25,000.
Only if you have to
Wiring money abroad from your bank is the most expensive option.
On a $7,000 transfer, a bank like Wells Fargo gets your recipient 223,305.48 THB, against 231,259.7 THB with Xe (the overall cheapest option).
The wire "feels" official, but regulated money transfer companies are just as safe with their own protection and rules.
Business payments from the US
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
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 0.55% markup plus small fee and holds the THB until you spend it.
With Xe, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 231,259.7 THB.
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 the 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 nearest MoneyGram branch and had over $7,000.
MoneyGram is the cheapest option and will get you 230,345.5 THB on $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, Venmo and Cash App only support domestic transfers, so they cannot 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.
You pay $7,000.00
฿231,260
Cheapest
You pay $7,001.99
฿231,000
-฿260
You pay $7,000.99
฿230,346
-฿914
You pay $7,075.99
฿230,346
-฿914
You pay $7,122.50
฿230,346
-฿914
You pay $7,070.00
฿228,719
-฿2,540
You pay $7,060.79
฿227,674
-฿3,585
You pay $7,000.00
฿226,929
-฿4,331
You pay $7,074.99
฿226,335
-฿4,925
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
Cheapest way to send money to Thailand
The cheapest option is Xe, funded by bank transfer with bank deposit for the payout. Your recipient gets 231,259.7 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 228,324.17 THB, with the money arriving in within minutes.
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.
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.
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.
Contact the company first and keep the receipt.
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.
The rate changes how much THB your recipient gets for your USD. Recent movement gives you a useful benchmark before you send.
Mid-market rate:1 USD = 32.919937 THB
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Thailand and United States.
We work with leading money transfer companies to provide real time fees and exchange rates.
We also conduct detailed company reviews, combined with in-depth analysis, we can offer the best deals on the market - every time you want to transfer money from United States to Thailand.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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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