Department 02 · Send money

Sending money to Thailand from the United Kingdom.

We benchmark eleven providers weekly. These rankings reflect a real transfer, settled this afternoon, against today's mid-market rate of 43.218 baht to the pound. Change the amount on the right to see the leaderboard update.

You're sending

GBP

Quick amounts

The leaderboard, 14:32 BST

How we test →

Rank

Provider

Fee

Delivery

Baht received

Wise

Mid-market rate, transparent fee.

£3.42

~6 hrs

฿43,007Best today

Visit Wise →

Currencies Direct

No fee, dealer-led, for £3,000+.

None

1 day

฿42,941−66 vs best

Get quote →

Revolut

Free Mon–Fri, 1% surcharge at weekends.

£0 / £10

Instant

฿42,887−120 vs best

Visit Revolut →

OFX

For larger transfers, dedicated dealer.

None

1–2 days

฿42,720−287 vs best

Visit OFX →

Remitly

Faster than most, margin in the rate.

£1.99

30 min

฿42,610−397 vs best

Visit Remitly →

Western Union

Brand recognition, weaker rate.

£2.90

Same day

฿42,180−827 vs best

Visit WU →

Your UK bank

Convenient, but rarely competitive.

£20+

2–4 days

฿41,840−1,167 vs best

Why we don't recommend →

How a transfer actually works

Send your pounds

Transfer from your UK bank to the provider, either by Faster Payments or debit card. Faster Payments is free and quicker; debit cards add a small fee.

ii.

The exchange

The provider buys baht on the wholesale market. The mid-market rate is what they pay. The difference between that and what you receive is the provider's spread.

iii.

Baht arrives

Funds land in the Thai recipient's bank account, usually within hours. Bangkok Bank, Kasikorn, SCB and Krungsri are all supported by every major provider.

Sending GBP to THB: what to watch for

What works in your favour

UK–Thailand is a high-volume corridor, which means tight spreads at most providers.
Multiple Thai banks accept GBP transfers directly, avoiding intermediary fees.
Faster Payments from a UK current account is free and same-day.
Wise and OFX both regulated by the FCA, with dedicated UK compliance teams.

Where transfers go wrong

High-street banks charge typically 3–4% in the rate plus a fixed fee. Avoid.
Weekend transfers via Revolut add a 1% surcharge.
Transfers to Thai government bond accounts require additional KYC.
The 1.5 million baht annual receiving limit at Thai banks for non-residents.

Things readers ask

How much can I send to Thailand at once?

There is no UK-side limit for personal transfers via Wise, OFX or Currencies Direct. The Thai side has receiving limits at the recipient's bank, typically 50 million baht per transfer for personal accounts. Above that, you need to provide source-of-funds documentation to the receiving bank.

Do I need to declare transfers to HMRC?

Sending your own money abroad is not a taxable event. Receiving money from Thailand may be, depending on its source. We are not tax advisors. If the transfer is part of a property purchase, pension, or business activity, speak to an accountant before transferring large sums.

Is now a good time to send baht?

The pound has strengthened around 2% against the baht over the past year, but we expect mild weakness over the next four weeks. If you are not in a hurry and the amount is large, you might wait. If you need the money in Thailand this week, current rates are reasonable. See our weekly forecast for our full view.

Which is faster, Wise or Revolut?

Revolut is instant if both you and the recipient have Revolut accounts. For sending to a Thai bank account, Revolut typically takes a few hours; Wise also delivers within hours and offers a marginally better rate during the week.