Send Money from Hong Kong to Thailand

There is no single cheapest provider on this corridor — it depends on how much you send and how your recipient is paid. Compare the total amount received in Thai bahts rather than the advertised fee, since the exchange rate margin is usually the larger cost. Bank deposit is typically cheaper than cash pickup.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Instarem 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 bank deposit, cash pickup, mobile wallet 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. 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 HKD 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 Hong Kong under the Customs and Excise Department, 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 HK$10,000, a specialist foreign-exchange broker will often beat an app on rate.

Remitly does not operate from Hong Kong. Its Hong Kong market root returns a 404, as does every Hong Kong corridor address tested. If you already use that service, you will need an alternative from the comparison table above for this corridor.

Wise's wallet rows cost 512.17 HKD against 83.99 HKD from a balance on 10,000 HKD — about six times as much. Apple Pay and Google Pay feel like the frictionless option and are the most expensive one on this page by a wide margin. Wise's debit and credit card figures are not quoted here. Two independent reads of the page on the same day returned 500.43 and 440.38 for the debit row and 481.42 and 501.34 for the credit row. The first read looked like a corridor where credit costs less than debit, which would have been unusual enough to state; the second read did not support it, so nothing is claimed. This is the dearest corridor in the hub even at its cheapest — 83.99 HKD on 10,000, against 49.66 to Indonesia through the same provider. Remitly does not serve Hong Kong outbound. Its Hong Kong market root and every Hong Kong corridor address tested return a 404, so the comparison here is three services rather than the four this site carries in most markets. Wise quotes its Hong Kong tables at 10,000 HKD, not the 1,000 of the local unit it uses on most markets. That is a sixth distinct basis on this site, so a Hong Kong dollar figure cannot be read against a euro or pound figure elsewhere here without converting first.