Send Money from the USA 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. WorldRemit 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 airtime top-up. 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, WorldRemit, MoneyGram, Western Union, Ria Money Transfer and Xoom 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 USD 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 the USA under FinCEN and state money-transmitter licences, 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.

PromptPay, Thailand's ubiquitous domestic instant-payment and QR rail, is not currently reachable as a payout option from the major US consumer remittance apps. Transfers land in a Thai bank account instead, which then settles domestically. Thai banks report non-resident inbound transfers above roughly $200,000 for anti-money-laundering purposes — not relevant to typical family transfers, but worth knowing for large one-off payments. A 1% US federal excise tax applies to remittance transfers funded with cash, a money order or a cashier's check, effective January 2026. Transfers funded from a bank account, debit card or credit card are not subject to it — so how you pay can change the total cost.