Send Money from Singapore 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.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup 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 SGD 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 Singapore under the Monetary Authority of Singapore, 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 S$10,000, a specialist foreign-exchange broker will often beat an app on rate.

This is one of three corridors in this hub where Wise states the amount its cost applies to, which is why a figure appears here and not on Bangladesh, Nepal, China, Sri Lanka or Vietnam. The three that state an amount are also the three Wise does not flag as dynamically charged. The debit card figure on this corridor is withheld. Two independent reads of the provider's own table on the same day returned materially different card costs while the account and bank-transfer rows held identical. A figure that moves between two readings an hour apart is not a price, and publishing it would imply a precision the source does not have. Funding by card costs several times what funding from a balance or a bank transfer costs on this corridor, as it does across this hub. The funding choice is made once when an account is set up and then repeats silently on every transfer afterwards. Thailand's PromptPay rail makes domestic payout fast once money is in the country, so the delay on this corridor is almost entirely at the sending end and in the conversion, not in Thai clearing.