Send Money from Canada to Thailand
Fees and exchange-rate margins from Canada to Thailand vary widely. Compare what your recipient actually receives, not the advertised fee.
What does your recipient in Thailand actually get?
THBBest checked payout · on C$1,000THB 23,535
At the mid-market rate · C$1,000THB 23,848.25
Wise · fee percentage of amount · checked September 2026THB 12,138 more than the lowest of the 4 amounts we hold for this corridor.
1 CAD = 23.8482 THB
30-day range23.6 – 23.95 THB
Every provider pays your recipient less than the benchmark. The gap is the rate margin, and it is usually larger than the transfer fee. How the margin worksCAD→THB reference rate for Sep 10, 2026, updated automatically · Rates By Exchange Rate API · 30-day series: European Central Bank
Compare 5 ways to send money to Thailand
Checked recipient amounts cover 4 of 5 providers here, collected from the Wise Comparison API — which quotes its own operator among them. The rest show each provider's published terms, and are ordered by payout coverage rather than by amount.
Recipient amounts collected and stored, not fetched as this page loads. Exchange rates move daily.
| Provider | Recipient getsby bank transfer | What it costs | Arrives | Payout | Open provider |
|---|---|---|---|---|---|
| Recipient amount checked (4) | |||||
 | THB 23,535THB 12,138 more than the lowest of the 4 we checked | CA$10.85bank transfer at 1000 CAD0.00% rate margin, measured | Minutes | Payout methods: Bank deposit | Go to Wise |
 | THB 23,462 | CA$2.99bank transfer at 1000 CAD1.10% rate margin, measured | Minutes | Payout methods: Bank deposit, Cash pickup | Go to Western Union |
 | THB 23,460 | CA$2.99bank transfer at 1000 CAD1.11% rate margin, measured | Minutes to days | Payout methods: Bank deposit, Cash pickup | Go to Remitly |
 | THB 11,398 | CA$3.99bank transfer at 500 CAD3.43% rate margin, measured | Minutes | Payout methods: Bank deposit, Cash pickup, Mobile wallet | Go to WorldRemit |
| Published terms only (1) | |||||
 Cash collection with bank transfer as an alternative | Check provider | VariesRate not published — confirm before sending | Varies | Payout methods: Bank deposit, Cash pickup | Go to Ria Money Transfer |
- Recipient amount checked (4)
- Best value
Mid-market rate with Interac e-Transfer funding
- Recipient gets (bank transfer)
- THB 23,535THB 12,138 more than the lowest of the 4 we checked
- Cost
- CA$10.85bank transfer at 1000 CAD0.00% rate margin, measured
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit
- Fastest delivery
Free first online bank transfer and a broad agent network
- Recipient gets (bank transfer)
- THB 23,462
- Cost
- CA$2.99bank transfer at 1000 CAD1.10% rate margin, measured
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup
- Best for cash pickup
Named Thai bank partners with a fast card-funded option
- Recipient gets (bank transfer)
- THB 23,460
- Cost
- CA$2.99bank transfer at 1000 CAD1.11% rate margin, measured
- Arrives
- Minutes to days
- Payout
- Payout methods: Bank deposit, Cash pickup
- Most ways to receive
Flat fee that does not rise with the amount sent
- Recipient gets (bank transfer)
- THB 11,398
- Cost
- CA$3.99bank transfer at 500 CAD3.43% rate margin, measured
- Arrives
- Minutes
- Payout
- Payout methods: Bank deposit, Cash pickup, Mobile wallet
- Published terms only (1)
Cash collection with bank transfer as an alternative
- Recipient gets (bank transfer)
- Check provider
- Cost
- VariesRate not published — confirm before sending
- Arrives
- Varies
- Payout
- Payout methods: Bank deposit, Cash pickup
What it costs has two parts: the advertised fee, and the exchange-rate margin kept by paying your recipient less than the mid-market rate. The margin is usually the larger, and is never labelled as a fee. Figures are each provider’s published terms, plus bank-transfer quotes from the Wise Comparison API, a source operated by a company this site also ranks — open a provider for a live quote. Recipient amounts are shown only for the providers we hold a checked figure for, which is some of those listed here rather than all of them.
Ordered by the amount the recipient receives, highest first, across every provider we hold a checked figure for — then by payout coverage, delivery speed and published fees. Affiliate arrangements never affect this order.
- Best value — Highest amount reaching the recipient on our benchmark transfer, among the providers we hold a checked amount for — which is some of those listed, not all of them.
- Most ways to receive — Supports the most payout types on this corridor.
- Fastest delivery — Quotes the fastest delivery tier published on this corridor. Where several providers quote it, the one with the widest payout coverage among them carries the badge, and the others are named alongside it.
- Best for cash pickup — Offers cash pickup, with the widest payout coverage among those that do.
Where two providers tie, the one supporting more payout types is listed first, then the faster one, then alphabetically. A label is left unawarded whenever the data we hold cannot support it — we would rather show fewer claims than invented ones. Those amounts cover some of the providers listed, not all of them, and the set is chosen by the source that supplies them rather than by us. Full methodology
Independent — providers cannot pay for placement or ranking · Consistent — every checked amount measured on the same corridor at the same send amount, and any fee quoted on a different basis says so on its own row · Transparent — the advertised fee kept separate from the rate margin
Quick verdict: the best way to send money to Thailand
Each line names the provider that leads on one specific need, and why. There is no single winner because there is no single question — the lowest fee and the fastest delivery are rarely the same provider.
- If you want the most money to arriveWiseBest valueMid-market rate with Interac e-Transfer funding
- If you are not sure how they will collect itWorldRemitMost ways to receivePays out 3 ways — bank deposit, cash pickup, mobile wallet.
- If it needs to arrive todayWestern UnionFastest deliveryMinutes up to one banking day for bank transfers
- If they will collect it in cashRemitlyBest for cash pickupCash Pickup
Chosen by the same rules that order the table, from each provider’s published terms. A need with no clear leader is left out rather than handed to whoever happens to be first.
How much you send changes which provider is cheapest
A transfer costs two things: a fee you can see, and a cut of the exchange rate you cannot. They scale in opposite directions, so the best provider for C$200 to Thailand is often not the best provider for C$5,000.
The flat fee is most of what you pay
On a small transfer a C$5 fee is a real percentage of the money. A rate margin of half a percent on C$200 is one dollar — small enough to ignore. Sort by the fee and take the lowest one you trust.
The exchange rate is most of what you pay
The fee stops mattering and the rate takes over. Half a percent on C$5,000 is C$25 — five times a typical fee, and no provider calls it a charge. A zero-fee offer on a large transfer is the one most worth checking.
CAD to THB at common amounts
| You send | Mid-market value | Load into calculator |
|---|---|---|
| CA$100.00 | THB 2,385 | |
| CA$250.00 | THB 5,962 | |
| CA$500.00 | THB 11,924 | |
| CA$1,000 | THB 23,848 | |
| CA$2,500 | THB 59,621 | |
| CA$5,000 | THB 119,241 |
Pick a row to load that amount into the calculator at the top of the page. These are mid-market values, not provider quotes — every service pays your recipient somewhat less, so use them as the figure to measure an offer against.
What is the cheapest way to send money to Thailand?
Wise delivers the most money on our benchmark transfer — fee and exchange rate together, which is the comparison that matters. Lowest published fee is a different question, and on most corridors a different answer:
Fees as published by each provider on their own site, checked by hand.
What is the fastest way to send money to Thailand?
Western Union quotes the fastest delivery on this corridor at minutes, and so do Wise and WorldRemit. Published speeds describe the fastest route a provider offers, not every route: paying by card and sending to a wallet is usually near-instant, while a bank transfer funded by direct debit takes longer whoever you send with.
Thailand at a glance
- Currency
- THB · Thai baht
- Payout methods
- Bank deposit · Cash pickup · Mobile wallet
- Typical delivery
- Minutes to minutes to days
- Cash pickup
- Available from 4 of 5 providers
- 3 of the 5 providers can deliver within minutes, including Wise, WorldRemit and Western Union.
- Cash pickup is available from 4 of the 5 providers, including Remitly, WorldRemit and Western Union — no bank account needed.
Before you send to Thailand
- PromptPay, Thailand's instant payment rail, was not named as a payout option by any Canadian provider checked. Transfers land in a Thai bank account and settle domestically from there, so the instant delivery Thais expect locally does not extend to inbound international transfers.
- Bank deposit to the major Thai banks is the dominant rail; cash pickup exists but is secondary.
What it costs to send money to Thailand
Sending money from Canada to Thailand converts Canadian dollars (CAD) into Thai bahts (THB). Most of the real cost is not the headline fee — it is the exchange-rate margin, the gap between your quoted rate and the mid-market rate banks use between themselves. Two providers can both advertise "no fees" and still differ by several percent on what actually arrives.
PromptPay dominates domestic payments in Thailand but is not currently reachable from the major US remittance apps — transfers land in a Thai bank account instead.
That is why the comparison above leads with how your recipient can be paid rather than with a headline price: match the service to how they actually want the money, then check the final quote.
How to choose the right provider
Compare the amount received, not the fee
Enter the same amount with two or three providers and compare what your recipient in Thailand actually receives in Thai bahts. That one number folds the fee and the rate margin together.
Match the payout method to your recipient
In Thailand the common rails are bank deposit and cash pickup. A slightly pricier provider paying into the wallet or account they already use beats a cheaper one that means a trip to an agent.
Pay more for speed only when you need it
Wise, WorldRemit and Western Union can deliver within minutes, but express usually costs more in fee or margin. If it is not urgent, the economy option on the same platform is often meaningfully cheaper.
Check cash pickup coverage before you send
4 providers offer cash pickup in Thailand, including Remitly, WorldRemit and Western Union. Check the specific branch is open and stocked before sending, especially outside major cities.
Verify the provider is licensed
Any service moving money out of Canada should be registered with FINTRAC. Everyone we list is — worth checking for any service you find elsewhere.
Thailand corridor insights
Researched figures for this corridor, each linked to its original source.
Bank deposit to Thailand's major banks — Bangkok Bank, Kasikornbank, Siam Commercial Bank and Krung Thai — is supported by every major Canadian provider, giving this corridor unusually consistent coverage.
No Canadian provider names PromptPay as a payout option, despite it being Thailand's dominant domestic instant payment system — a genuine gap between what is possible inside Thailand and what is reachable from abroad.
Wise supports Interac e-Transfer funding from Canada, which settles far faster than a standard bank transfer — on this corridor the funding method affects speed more than the destination does.
Wise · 2026
Frequently Asked Questions
Sending to Thailand from somewhere else
All routes to Thailand →Other corridors to Southeast Asia from Canada
Before you send
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See rates, fees and delivery options for 5 services side by side.