Best Apps to Send Money to Thailand

The Undisputed Champion for Bank Transfers

Why it’s #1: Wise remains the gold standard for expats in Thailand. Unlike banks that hide fees in the exchange rate, Wise gives you the real mid-market rate (the one you see on Google) and charges a small, transparent fee. For direct bank-to-bank transfers, it is almost always the cheapest option.

Best For: Expats sending salary, pension, or savings directly to a Thai bank account (Kasikorn, Bangkok Bank, SCB, etc.).

Speed: Fast. 50% of transfers are instant; others arrive within 24 hours.

Pros: Transparent fees, best exchange rate, supports prompt pay transfers.

Cons: No cash pickup option; recipient must have a bank account.

The Speed Demon (Best for Cash Pickup)

Why it’s #2: If speed is your priority, or if your recipient doesn't have a bank account, Remitly is the winner. They offer an "Express" service that delivers money in minutes. They also have a massive network for Cash Pickup, your recipient can walk into a Siam Commercial Bank (SCB) or GSB branch and pick up cash instantly without needing an account.

Best For: Emergencies, sending cash to rural areas, and first-time users (they often have great "New Customer" promo rates).

Speed: Instant (Express) to 3-5 days (Economy).

Pros: Cash pickup options, guaranteed delivery times.

Cons: Exchange rates are slightly worse than Wise; fees increase for "Express" speed.

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The "Anywhere, Anytime" Option

Why it’s #3: Western Union has moved into the digital age. Their app is surprisingly good and offers decent exchange rates that are miles better than their physical kiosks. The real power of WU is its reach: they have agent locations in even the smallest Thai villages (often inside post offices or shopping malls).

Best For: Sending money to remote villages where banks are scarce.

Speed: Minutes for cash pickup.

Pros: Unmatched coverage in rural Thailand.

Cons: Fees can be high; watch out for exchange rate markups.

The Best for Digital Nomads

Why it’s #4: If you are from the UK, Europe, or Australia and already use Revolut for your daily banking, it is a fantastic option. You can hold Thai Baht (THB) in your multi-currency wallet and send it to a Thai bank account with very low fees.

Best For: People who travel frequently and already use Revolut as their primary bank.

Speed: 1-2 business days.

Pros: Convenience; great for managing multiple currencies.

Cons: Weekend exchange rate surcharges (avoid swapping money on Saturdays/Sundays).