Best Way to Send Money to Thailand

If you're looking for the cheapest way to send money to Thailand without any delays or complications, Ogvio is definitely the winning pick. This P2P (Peer-to-peer) money transfer service offers an incredibly user-friendly way to send fiat or cryptocurrency to other users with zero fees.

Table: Overview of Ogvio features

This platform isn't limited to just user-to-user transfers, however. Even with other types of transfers (both international and domestic), you won't find any unfair hidden fees here. What you see is exactly what you get.

	OGVIO
Founded In	2025
Founders	Vytautas Zabulis
Headquarters	United States
Licensing	MSB
	Visit site Read review

Table: Main Ogvio features

Thanks to Ogvio's smart contract-based architecture, your transfers will not only be cheap but quick and smooth, as well: you can expect most payments to go through in seconds. With the help of advanced 256-bit AES encryption, biometric security, and on-chain funds storage, Ogvio will keep your money safe from cyber attacks or other issues.

Ogvio supports 40+ fiat currencies, but one of its selling features is the option to automatically convert them to USD or EUR. This is meant as a hedge against inflation - instead of storing your money in more volatile local currencies, you can simply convert them back anytime you want.

If you're a crypto fan, you're in luck, too. Ogvio will support storing and trading cryptocurrencies on the Base network with no fees. Among its list of 7,000+ supported banks and wallets worldwide, you'll find Ledger, Binance, Kraken, and Coinbase integrations.

Last but not least, Ogvio comes with some attractive extra features. You can use it to split the bill with friends or pay your family members' utility bills abroad, for example. What's more, it's going to feature a generous referral system with bonuses, so if you're the early bird type, sign up for the waitlist to find out more!

What's the best way to send money to Thailand instantly? If your recipient is a fellow Krak user, this app is definitely up there when it comes to the best money transfer services. It supports free P2P transfers not only for fiat currency but crypto, too, and comes with an attractive rewards system.

Table: Overview of Krak App features

Krak's premise is as simple as it gets: it allows users to quickly DM each other funds with no hassle of long waiting times or extra fees. It supports 300+ currencies in total, including the most popular crypto assets like BTC and ETH.

	KRAK
Founded In	2025
Founders	Arjun Sethi, Jesse Powell
Headquarters	United States
Licensing	MiCA, FCA, FinCEN
	Visit site Read review

Table: Krak company info

When it comes to the top-up options, you can choose between a credit or debit card or a bank transfer, as well as crypto wallets. Krak imposes a weekly transfer limit of $15,000 (for both fiat and crypto combined), which will probably be more than enough for most casual senders.

Krak's DM system is great for requesting money, too. You can generate a payment request link that can be pasted not just in the chat but anywhere else you'd like.

In line with its parent company, Kraken (one of the most popular crypto exchanges worldwide), Krak safeguards users' funds with a Proof-of-Reserves, alongside advanced encryption and multisignature authentication.

The KrakBacks rewards system essentially works as a lottery wheel that gets spun every time you make a payment to a friend, with a chance to win crypto rewards. You might get surprise stablecoins, meme coins, or even the most popular assets like SOL or BNB.

If you're trying to transfer money to Thailand, bank account support will, no doubt, be a priority when sending to someone who doesn't use any P2P apps. This is where Remitly enters the picture. With its free first transfer policy, 100% fee refunds on delayed payments, and a wide range of payment options, it's one of the most cost-friendly platforms.

Table: Overview of Remitly features

Remitly's international transfer fees depend on the sender's country and the destination country. Let's say you want to transfer money from Australia to Thailand. The fee for sending 100 AUD and converting them to THB is 2.99 AUD - but if you're transferring for the first time, you get a 100% discount!

	REMITLY
Founded In	2011
Founders	Matt Oppenheimer, Josh Hug, Shivaas Gulati
Headquarters	United States
Licensing	FinCEN, FCA, DIFR
	Visit site Read review

Table: Remitly company info

Remitly supports seven major Thai banks in total, including Bangkok Bank, Siam Commercial Bank, and Krung Thai Bank. You can pay with a credit or debit card, Apple Pay, Klarna, or IDEAL (if it's available in your country), and your recipient can pick it up through their own bank account or have it delivered in cash by a courier.

This platform offers two types of delivery: Economy or Express. As the names suggest, the first one is slower but more affordable, while the other is the faster yet pricier option. Remitly doesn't promise any specific transfer fees, but if your payment gets delayed for an unreasonable amount of time, you'll be able to get a 100% refund on your fees.

Remitly's transfer limits are pretty generous, too. The maximum amount for a single transfer is $100,000, so you're unlikely to have to split your payments.

This platform monitors all transactions and suspicious activity and offers all the standard security measures, including 2FA and Secure Socket Layer (SSL) with 256-bit encryption. You can also track your transactions on the web or mobile app and set up email or SMS notifications.

Making an occasional payment is one thing - but what would be the best way to send money to Thailand in large amounts? Wise is an international money transfer app that specialises in offering various cost-saving perks, such as large transfer discounts and a currency exchange rate lock-in.

Table: Overview of Wise features

Let me give you an example of what Wise's fees look like if you're about to transfer money to Thailand from the UK. If, say, you're only sending 100 GBP, you'll be charged a fee of 1.77 GBP.

	WISE
Founded In	2011
Founders	Taavet Hinrikus, Kristo Käärmann
Headquarters	United Kingdom
Licensing	FCA, EMI, EEA, MSB
	Visit site

Table: Wise company info

However, transferring an equivalent of 25,000 USD or more within a month makes you eligible for a discount, so a 25,000 GBP transfer would cost 148.04 GBP (6.34 GBP less than the full fee), reducing your fee from 0.59% to 0.57%.

What's more, if you sign up for Wise using a referral link, you get to enjoy your first transfer for free, as long as it's under 500 USD and initiated within the first 6 months of signing up.

Wise supports a wide range of payment methods, including a credit or debit card, direct debit, bank transfer, Apple Pay, and Google Pay. Transfer limits depend on the bank: in this case, you can send up to 2 million THB to Kasikorn Bank and Bangkok Bank, 1.49 million THB to Siam Commercial Bank, and 500,000 THB to other banks.

Finally, let me tell you about another neat feature that gives this platform an edge over many competitors. Let's say you're sending money from Canada to Thailand and the CAD/THB exchange rate happens to be really competitive right now, but you're not ready to make the transaction just yet. What you can do is lock it in for up to 48 hours and come back to it later!

It probably won't be an exaggeration to call PayPal one of the most famous online payment methods out there - so if you're already an avid user, it might just be your best way to send money to Thailand. It supports both P2P and other types of transfers, as well as some other neat features, such as bill splitting.

Table: Overview of PayPal features

Just like other peer-to-peer transfer apps, PayPal doesn't charge any fees for transactions to other users. The DM feature makes it easy to both send and request money from your contacts, and these transfers are usually instant.

	PAYPAL
Founded In	1998
Founders	Peter Thiel, Max Levchin, Luke Nosek, Ken Howery, Yu Pan
Headquarters	United States
Licensing	FinCEN, ASIC, FCA
	Visit site

Table: PayPal company info

When it comes to transfers outside the PayPal ecosystem, the platform's model is pretty simple: the fees only involve currency conversion, which means that domestic transfers are still free, while international transfers involve a 5% fee.

PayPal features a two-tier transfer limit system. Unverified users are only allowed up to $4,000 per transfer, but as soon as you pass the identity verification, the limit increases to $60,000.

This app offers the standard range of payment methods. You can fund your transaction with a credit or debit card or a bank transfer, or simply use your PayPal balance. Downloading Xoom, an additional PayPal service, opens up a lot more delivery options, such as cash pickups.

While international transfers work just fine even if your recipients don't have a PayPal account, free transfers aren't the only advantage of getting your family and friends into the ecosystem. This way, you can enjoy extra features like splitting the bill, pooling money with your friends for gifts, or paying your family's bills abroad.

If you're looking for a simple international money transfer app that gets straight to the point with no bells and whistles, WorldRemit is a solid alternative. This platform supports sending money to over 130 countries in 70+ currencies for a reasonable fee.

Table: Overview of WorldRemit features

WorldRemit might not be the number one cheapest way to send money to Thailand (compared to P2P apps like Ogvio, at least), but its fees are still competitively low. For example, if you want to transfer money from Australia to Thailand, you won't be charged anything at all! The same goes for transfers from the UK.

	WORLDREMIT
Founded In	2010
Founders	Ismail Ahmed, Catherine Wines, Richard Igoe
Headquarters	United Kingdom
Licensing	FCA, AMF, FinCEN
	Visit site

Table: WorldRemit company info

Unfortunately, transfers from most other countries involve a fee, but the most you'll have to pay is up to 1.99 USD per transfer.

WorldRemit is a remittance platform and not a P2P app, so when trying to transfer money to Thailand, a bank account will be necessary. You can choose to pay with a bank transfer or a credit or debit card. However, transfers to Thailand only come with one option to receive the money - a bank transfer.

This platform's transfer limits depend on the country and the currency involved. When it comes to Thailand, you're allowed to transfer up to $30,000 in one go.

As I mentioned earlier, WorldRemit is pretty minimalist feature-wise, but it still has one neat perk: airtime top-ups. You can use this platform to instantly add credit to prepaid phones in most of the supported countries, including Thailand.

Western Union holds the title of the world's first money transfer service - and more than 154 years later, many loyal users still regard it as the best way to send money to Thailand or 200+ other countries and regions.

Table: Overview of Western Union features

If you're a first-time user, you're in luck: you'll be able to make your first transfer for free! The cost of your next transfer will depend on your payment method. Let's say you're sending 100 USD from the US to Thailand. If you're paying with a bank transfer and your recipient gets the money to their Visa debit card, the fee will be zero.

	WESTERN UNION
Founded In	1851
Founders	Ezra Cornell, Jeptha Wade, Hiram Sibley, Samuel L. Selden
Headquarters	United States
Licensing	FinCEN, PSD
	Visit site Read review

Table: Western Union company info

On the other hand, if you're paying with a credit card or in-store, it will cost you 8-8.99 USD. All the other payment and pickup methods are somewhere in between this range. The recipient is just as spoiled for choice: Western Union offers a whopping 150 cash pickup locations in Thailand, both in major cities and smaller towns.

What about transfer limits, you'll probably ask next? Here's how they work. If you're an unverified user, you're only allowed to send up to 1,000 USD in a single transfer, but verifying your account increases the ceiling to 5,000 USD.

Aside from identity verification, Western Union features a number of other security measures, such as TLS (Transport Layer Security), SSL (Secure Sockets Layer) certification, end-to-end encryption, and multi-factor authentication. Naturally, you can also track your transfers and set up email notifications to get alerted when they arrive.

And if you need any additional features, this platform has got you covered, too. Western Union supports transaction scheduling, bill payments for family members, and even sending money to inmates.

MoneyGram is an international money transfer app that offers a free first transfer and competitive fees for all your other payments. What's more, it features generous transaction limits and an attractive loyalty program with transfer discounts.

Table: Overview of MoneyGram features

Figuring out how to send money to Thailand from the US and how much it would cost is pretty easy: all you need to do is use MoneyGram's built-in fee calculator on their website. In this case, you'll pay a 5.49% fee for sending 100 USD to Thailand and converting it to THB.

	MONEYGRAM
Founded In	1998
Founders	Merged company
Headquarters	United States
Licensing	FinCEN, MTLs, NYDFS, FCA, BE
	Visit site

Table: MoneyGram company info

Those fees might seem a bit high at first glance, but here's a trick. Enrolling in MoneyGram’s loyalty program gives you a 20% discount on your second transfer’s fees and a 40% discount on the fees of every fifth transfer, along with other member-only offers and promotions.

Supported payment and pickup methods depend on the countries involved. In the case of sending from the US to Thailand, for example, you can fund your transfer with a credit or debit card or by cash at location, while your recipient can pick it up through a bank transfer, have it delivered directly to their credit or debit card, or receive it in cash.

The latter option is a bit of a hit or miss, though, since MoneyGram only has 5 pickup locations in Thailand.

Aside from these features, MoneyGram also supports utility bill payments for family members abroad or topping up their mobile phone data across 600+ supported mobile networks worldwide.