Send Money from Germany to Thailand

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Thai bahts rather than the headline fee.

At €1,000, Remitly is the cheapest of the 3 providers priced at that amount on this corridor: about €8.59 all in, or 0.86% of the amount sent. Wise is next at about €9.46. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. TransferGo can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are PromptPay, cash pickup, bank deposit and card payout. The most widely used options in Thailand are bank deposit and cash pickup. 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. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Thailand, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit and cash pickup generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to THB, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Germany under BaFin, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Cash pickup on this corridor is available from Remitly and Western Union only — and neither is the cheapest service here. That is the real trade: the two services with the lowest published fees both require your recipient to have a bank account. Card funding is the expensive way to send on this corridor whichever card you use — well above the roughly 8.94 EUR that funding from a Wise balance costs at 1,000 EUR. We are not publishing a debit figure or a credit figure here: two readings of Wise's own page on the same day disagreed on both, while every other figure on it matched. Take the card cost from the quote in front of you. Wise publishes receiving caps that vary by Thai bank, from 2,000,000 THB at Kasikorn and Bangkok Bank down to 500,000 THB at banks outside its named list. Which bank your recipient uses can decide whether a large transfer is possible at all. Western Union publishes sending limits of up to 47,000 EUR by bank transfer and 2,200 EUR to a debit card, with identity verification required above 1,000 EUR.