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 2026

Based on 7,000 USD transfer

Best companies for USD/THB transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee $49.25 1 USD = 33.3500 THB 0.00% vs mid-market Recipient gets ฿231,807.51 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
$49.251 USD = 33.3500 THB
฿231,807.51You pay$7,000.00
Promoted

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 33.2764 THB +0.22% vs mid-market Recipient gets ฿232,934.80 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 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.

TapTap Send

Pay via Debit card
Fee $1.99 1 USD = 33.4000 THB -0.15% vs mid-market Recipient gets ฿233,800.00 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
$1.991 USD = 33.4000 THB
฿233,800.00You pay$7,001.99
Only available via Mobile App

Sendwave

Pay via Debit card
Fee $0.99 1 USD = 33.3677 THB -0.05% vs mid-market Recipient gets ฿233,541.01 Minutes - 3 days
Receive to bank account or cash pickup

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
$0.991 USD = 33.3677 THB
฿233,541.01You pay$7,000.00

Xe

Pay via Bank transfer
Fee $0.00 1 USD = 33.2764 THB +0.22% vs mid-market Recipient gets ฿232,934.80 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 USD = 33.2764 THB
฿232,934.80You pay$7,000.00
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee $0.00 1 USD = 33.2666 THB +0.25% vs mid-market Recipient gets ฿232,866.53 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 USD = 33.2666 THB
฿232,866.53You pay$7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee $0.00 1 USD = 33.2600 THB +0.27% vs mid-market Recipient gets ฿232,819.84 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 USD = 33.2600 THB
฿232,819.84You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee $74.99 1 USD = 33.2043 THB +0.44% vs mid-market Recipient gets ฿232,430.10 Minutes - 24 hours

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

MethodFee & ratesRecipient gets
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
$74.991 USD = 33.2043 THB
฿232,430.10You pay$7,074.99
Cash pickupMinutes - 24 hours
$0.991 USD = 33.1227 THB
฿231,858.90You pay$7,000.99
Bank depositMinutes - 24 hoursAvailable via:Most Banks
$0.991 USD = 33.1210 THB
฿231,847.00You pay$7,000.99

OFX

Pay via Bank transfer
Fee $0.00 1 USD = 33.1833 THB +0.50% vs mid-market Recipient gets ฿232,282.90 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 USD = 33.1833 THB
฿232,282.90You pay$7,000.00

Currencies Direct

Pay via Bank transfer
Fee $0.00 1 USD = 33.1371 THB +0.64% vs mid-market Recipient gets ฿231,959.70 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 USD = 33.1371 THB
฿231,959.70You pay$7,000.00

CurrencyFair

Pay via Bank transfer
Fee $3.75 1 USD = 33.1420 THB +0.63% vs mid-market Recipient gets ฿231,869.00 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
$3.751 USD = 33.1420 THB
฿231,869.00You pay$7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee $75.99 1 USD = 33.1226 THB +0.68% vs mid-market Recipient gets ฿231,858.20 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 = 33.1226 THB
฿231,858.20You pay$7,075.99
Card depositMinutes - 24 hoursAvailable via:Bank Debit Card
$52.991 USD = 32.9843 THB
฿230,890.10You pay$7,052.99
Bank depositMinutes - 24 hoursAvailable via:Most Banks
$1.991 USD = 32.9018 THB
฿230,312.60You pay$7,001.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee $122.50 1 USD = 33.1226 THB +0.68% vs mid-market Recipient gets ฿231,858.20 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 = 33.1226 THB
฿231,858.20You pay$7,122.50
Bank depositMinutes - 24 hoursAvailable via:Most Banks
$70.001 USD = 32.9018 THB
฿230,312.60You pay$7,070.00

Wise

Pay via Bank transfer
Fee $49.25 1 USD = 33.3500 THB 0.00% vs mid-market Recipient gets ฿231,807.51 Within minutes
Our top pick
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
$49.251 USD = 33.3500 THB
฿231,807.51You pay$7,000.00

Xe

Pay via Debit card
Fee $35.00 1 USD = 33.2764 THB +0.22% vs mid-market Recipient gets ฿231,770.13 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
$35.001 USD = 33.2764 THB
฿231,770.13You pay$7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee $40.50 1 USD = 33.2137 THB +0.41% vs mid-market Recipient gets ฿231,150.68 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
$40.501 USD = 33.2137 THB
฿231,150.68You 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 = 32.9394 THB +1.24% vs mid-market Recipient gets ฿230,575.80 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 = 32.9394 THB
฿230,575.80You pay$7,060.79

Moneycorp

Pay via Bank transfer
Fee $0.00 1 USD = 32.8831 THB +1.40% vs mid-market Recipient gets ฿230,181.85 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 = 32.8831 THB
฿230,181.85You pay$7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee $1.99 1 USD = 32.8672 THB +1.46% vs mid-market Recipient gets ฿230,004.99 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 USD = 32.8672 THB
฿230,004.99You pay$7,000.00
Card depositMinutes - 2 days
Free1 USD = 32.7516 THB
฿229,261.20You pay$7,000.00

Wells Fargo

Pay via Bank transfer
Fee $0.00 1 USD = 32.4188 THB +2.83% vs mid-market Recipient gets ฿226,931.84

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

MethodFee & ratesRecipient gets
Bank deposit
Free1 USD = 32.4188 THB
฿226,931.84You pay$7,000.00

Xe

Pay via Credit card
Fee $210.00 1 USD = 33.2764 THB +0.22% vs mid-market Recipient gets ฿225,946.76 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
$210.001 USD = 33.2764 THB
฿225,946.76You pay$7,000.00
How Our Results Work
Mid-market rate: 1 USD = 33.3500 THB Updates every 60 minutes.

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.

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.

THB received for $7,000, after fees

Tue, Nov 10, 2026Mid-market rate฿233,450.15 TapTap Send ฿233,800.00 Wells 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
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5640 – ฿234,948.13
Sendwave Cheapest 33.5413 $0.99 ฿234,756.10 −฿192.03
TapTap Send 33.4000 $1.99 ฿233,800.00 −฿1,148.13
Xe 33.2502 $0.00 ฿232,751.40 −฿2,196.73
Wells Fargo 32.4791 $0.00 ฿227,353.70 −฿7,594.43
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5390 – ฿234,772.75
Sendwave Cheapest 33.5437 $0.99 ฿234,772.76 +฿0.01
TapTap Send 33.4500 $1.99 ฿234,150.00 −฿622.75
Xe 33.2843 $0.00 ฿232,990.10 −฿1,782.65
Wells Fargo 32.4670 $0.00 ฿227,269.00 −฿7,503.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5700 – ฿234,989.93
Key Currency Cheapest 33.4861 $0.00 ฿234,402.46 −฿587.47
TapTap Send 33.4000 $1.99 ฿233,800.00 −฿1,189.93
Xe 33.3011 $0.00 ฿233,107.70 −฿1,882.23
Wells Fargo 32.5072 $0.00 ฿227,550.60 −฿7,439.33
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5030 – ฿234,520.86
Sendwave Cheapest 33.5521 $0.99 ฿234,831.41 +฿310.55
TapTap Send 33.4500 $1.99 ฿234,150.00 −฿370.86
Xe 33.3084 $0.00 ฿233,158.80 −฿1,362.06
Wells Fargo 32.5072 $0.00 ฿227,550.60 −฿6,970.26
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.4270 – ฿233,988.91
Sendwave Cheapest 33.4531 $0.99 ฿234,138.58 +฿149.67
TapTap Send 33.4000 $1.99 ฿233,800.00 −฿188.91
Xe 33.2725 $0.00 ฿232,907.50 −฿1,081.41
Wells Fargo 32.3605 $0.00 ฿226,523.75 −฿7,465.16
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.4450 – ฿234,115.27
Sendwave Cheapest 33.4512 $0.99 ฿234,125.21 +฿9.94
TapTap Send 33.4000 $1.99 ฿233,800.00 −฿315.27
Xe 33.2557 $0.00 ฿232,789.90 −฿1,325.37
Wells Fargo 32.3740 $0.00 ฿226,618.06 −฿7,497.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.4450 – ฿234,115.27
TapTap Send Cheapest 33.4000 $1.99 ฿233,800.00 −฿315.27
Xe 33.2557 $0.00 ฿232,789.90 −฿1,325.37
Wells Fargo 32.3740 $0.00 ฿226,618.06 −฿7,497.21
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5720 – ฿235,004.29
TapTap Send Cheapest 33.5000 $1.99 ฿234,500.00 −฿504.29
Xe 33.2557 $0.00 ฿232,789.90 −฿2,214.39
Wells Fargo 32.3740 $0.00 ฿226,618.06 −฿8,386.23
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5695 – ฿234,986.49
Sendwave Cheapest 33.5854 $0.99 ฿235,064.27 +฿77.78
TapTap Send 33.5000 $1.99 ฿234,500.00 −฿486.49
Xe 33.2926 $0.00 ฿233,048.20 −฿1,938.29
Wells Fargo 32.5324 $0.00 ฿227,726.61 −฿7,259.88
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.6150 – ฿235,304.83
TapTap Send Cheapest 33.6000 $1.99 ฿235,200.00 −฿104.83
Xe 33.3271 $0.00 ฿233,289.70 −฿2,015.13
Wells Fargo 32.5541 $0.00 ฿227,878.84 −฿7,425.99
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.6635 – ฿235,644.54
Sendwave Cheapest 33.6683 $0.99 ฿235,644.63 +฿0.10
TapTap Send 33.6000 $1.99 ฿235,200.00 −฿444.54
Xe 33.3648 $0.00 ฿233,553.60 −฿2,090.93
Wells Fargo 32.6001 $0.00 ฿228,200.80 −฿7,443.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7490 – ฿236,243.14
Key Currency Cheapest 33.6646 $0.00 ฿235,652.53 −฿590.61
TapTap Send 33.6000 $1.99 ฿235,200.00 −฿1,043.14
Xe 33.3480 $0.00 ฿233,436.00 −฿2,807.14
Wells Fargo 32.6868 $0.00 ฿228,807.43 −฿7,435.71
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7704 – ฿236,392.58
Key Currency Cheapest 33.6859 $0.00 ฿235,801.60 −฿590.98
TapTap Send 33.6000 $1.99 ฿235,200.00 −฿1,192.58
Xe 33.3648 $0.00 ฿233,553.60 −฿2,838.98
Wells Fargo 32.6897 $0.00 ฿228,827.87 −฿7,564.71
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7704 – ฿236,392.58
Key Currency Cheapest 33.6859 $0.00 ฿235,801.60 −฿590.98
TapTap Send 33.6000 $1.99 ฿235,200.00 −฿1,192.58
Xe 33.3480 $0.00 ฿233,436.00 −฿2,956.58
Wells Fargo 32.6897 $0.00 ฿228,827.87 −฿7,564.71
Sendwave No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.8245 – ฿236,771.49
Sendwave Cheapest 33.8071 $0.99 ฿236,615.95 −฿155.54
TapTap Send 33.7000 $1.99 ฿235,900.00 −฿871.49
Xe 33.3976 $0.00 ฿233,783.20 −฿2,988.29
Wells Fargo 32.7468 $0.00 ฿229,227.73 −฿7,543.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7502 – ฿236,251.48
Sendwave Cheapest 33.7727 $0.99 ฿236,375.26 +฿123.78
TapTap Send 33.6000 $1.99 ฿235,200.00 −฿1,051.48
Xe 33.5007 $0.00 ฿234,504.90 −฿1,746.58
Wells Fargo 32.6941 $0.00 ฿228,858.37 −฿7,393.11
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7945 – ฿236,561.49
Sendwave Cheapest 33.8071 $0.99 ฿236,616.30 +฿54.81
TapTap Send 33.7000 $1.99 ฿235,900.00 −฿661.49
Xe 33.4472 $0.00 ฿234,130.40 −฿2,431.09
Wells Fargo 32.7397 $0.00 ฿229,177.98 −฿7,383.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7565 – ฿236,295.49
Sendwave Cheapest 33.7574 $0.99 ฿236,268.45 −฿27.04
TapTap Send 33.7000 $1.99 ฿235,900.00 −฿395.49
Xe 33.5327 $0.00 ฿234,728.90 −฿1,566.59
Wells Fargo 32.6961 $0.00 ฿228,872.88 −฿7,422.61
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7070 – ฿235,949.28
Sendwave Cheapest 33.7083 $0.99 ฿235,924.66 −฿24.62
TapTap Send 33.5500 $1.99 ฿234,850.00 −฿1,099.28
Xe 33.4770 $0.00 ฿234,339.00 −฿1,610.28
Wells Fargo 32.6477 $0.00 ฿228,533.88 −฿7,415.40
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7230 – ฿236,061.27
Sendwave Cheapest 33.7645 $0.99 ฿236,318.35 +฿257.08
TapTap Send 33.5500 $1.99 ฿234,850.00 −฿1,211.27
Xe 33.4190 $0.00 ฿233,933.00 −฿2,128.27
Wells Fargo 32.6998 $0.00 ฿228,898.85 −฿7,162.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7230 – ฿236,061.27
Sendwave Cheapest 33.7645 $0.99 ฿236,318.35 +฿257.08
TapTap Send 33.5500 $1.99 ฿234,850.00 −฿1,211.27
Xe 33.4190 $0.00 ฿233,933.00 −฿2,128.27
Wells Fargo 32.6998 $0.00 ฿228,898.85 −฿7,162.42
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7901 – ฿236,531.04
Sendwave Cheapest 33.7876 $0.99 ฿236,479.82 −฿51.22
TapTap Send 33.5500 $1.99 ฿234,850.00 −฿1,681.04
Xe 33.4190 $0.00 ฿233,933.00 −฿2,598.04
Wells Fargo 32.6998 $0.00 ฿228,898.85 −฿7,632.19
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.7370 – ฿236,159.24
Sendwave Cheapest 33.7454 $0.99 ฿236,184.04 +฿24.80
TapTap Send 33.7000 $1.99 ฿235,900.00 −฿259.24
Xe 33.4190 $0.00 ฿233,933.00 −฿2,226.24
Wells Fargo 32.6703 $0.00 ฿228,692.17 −฿7,467.07
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.6725 – ฿235,707.49
TapTap Send Cheapest 33.7000 $1.99 ฿235,900.00 +฿192.51
Sendwave 33.6729 $0.99 ฿235,676.75 −฿30.74
Xe 33.4871 $0.00 ฿234,409.70 −฿1,297.79
Wells Fargo 32.6703 $0.00 ฿228,692.17 −฿7,015.32
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.3870 – ฿233,709.11
Xe Cheapest 33.4655 $0.00 ฿234,258.50 +฿549.39
TapTap Send 33.4000 $1.99 ฿233,800.00 +฿90.89
Sendwave 33.3735 $0.99 ฿233,581.32 −฿127.79
Wells Fargo 32.3559 $0.00 ฿226,491.16 −฿7,217.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5670 – ฿234,969.10
Sendwave Cheapest 33.5415 $0.99 ฿234,757.29 −฿211.81
TapTap Send 33.4000 $1.99 ฿233,800.00 −฿1,169.10
Xe 33.2297 $0.00 ฿232,607.90 −฿2,361.20
Wells Fargo 32.4721 $0.00 ฿227,304.72 −฿7,664.38
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5504 – ฿234,852.58
Sendwave Cheapest 33.5670 $0.99 ฿234,935.84 +฿83.26
TapTap Send 33.3000 $1.99 ฿233,100.00 −฿1,752.58
Xe 33.2297 $0.00 ฿232,607.90 −฿2,244.68
Wells Fargo 32.5084 $0.00 ฿227,558.96 −฿7,293.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.5504 – ฿234,852.58
Sendwave Cheapest 33.5670 $0.99 ฿234,935.84 +฿83.26
TapTap Send 33.3000 $1.99 ฿233,100.00 −฿1,752.58
Xe 33.2764 $0.00 ฿232,934.80 −฿1,917.78
Wells Fargo 32.5084 $0.00 ฿227,558.96 −฿7,293.62
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.4875 – ฿234,412.49
Sendwave Cheapest 33.4763 $0.99 ฿234,301.24 −฿111.25
TapTap Send 33.3000 $1.99 ฿233,100.00 −฿1,312.49
Xe 33.2764 $0.00 ฿232,934.80 −฿1,477.69
Wells Fargo 32.4188 $0.00 ฿226,931.84 −฿7,480.65
Exchange rateFeeRecipient getsDifference
Mid-market rate 33.3500 – ฿233,450.15
TapTap Send Cheapest 33.4000 $1.99 ฿233,800.00 +฿349.85
Sendwave 33.3677 $0.99 ฿233,541.01 +฿90.86
Xe 33.2764 $0.00 ฿232,934.80 −฿515.35
Wells Fargo 32.4188 $0.00 ฿226,931.84 −฿6,518.31

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. 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.

  1. TapTap SendAppeared in 240 comparisons

    Cheapest in 15% of them

  2. SendwaveAppeared in 122 comparisons

    Cheapest in 39% of them

  3. XeAppeared in 210 comparisons

    Cheapest in 0% of them

  4. Wells FargoAppeared in 150 comparisons

    Never the cheapest

Based on 240 comparisons across 8 amounts over the last 30 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.

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

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.

Venmo now sends money internationally to PayPal users in 90+ countries.

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. 1
    Debit card Bank deposit

    You pay $7,001.99

    ฿233,800

    Cheapest

  2. 2
    Bank transfer Bank deposit

    You pay $7,000.00

    ฿232,935

    -฿865

  3. 3
    Bank transfer Card deposit

    You pay $7,074.99

    ฿232,430

    -฿1,370

  4. 4
    Bank transfer Cash pickup

    You pay $7,000.99

    ฿231,859

    -฿1,941

  5. 5
    Debit card Cash pickup

    You pay $7,075.99

    ฿231,858

    -฿1,942

Show moreShow less
  1. 6
    Credit card Cash pickup

    You pay $7,122.50

    ฿231,858

    -฿1,942

  2. 7
    Debit card Card deposit

    You pay $7,052.99

    ฿230,890

    -฿2,910

  3. 8
    Cash deposit Cash pickup

    You pay $7,060.79

    ฿230,576

    -฿3,224

  4. 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.

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.

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.

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.

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.

Contact the company first and keep the receipt.

The CFPB explains the cancellation and error process.

Need to send a large amount of USD to Thailand?

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:

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.