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Answered7 months ago

Do UK expats in Thailand experience delays with Wise money transfers?

Stephen ********
asked Mar 14, 2026
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Just want to know if any expats from the UK use Wise and if they do, do they have trouble with the money coming instantly or do they usually have to wait for a few hours or even the next day?
Answer summary
The community discussion reveals mixed experiences among UK expats using Wise for money transfers to Thailand. While many report that transfers are usually instant, particularly to banks like Kasikorn, others cite delays, especially with Bangkok Bank, where transfers can take one to several days depending on factors such as transfer timing and bank functionality. Overall, while Wise is favored for its speed, users are advised to be mindful of which Thai bank they are transferring to and the timing of their transfers.
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Stephen *******
Stephen *******
Nope 3 seconds it takes for me from un to a thai bank
Paul *******
Paul *******
I have a first direct bank account in the UK and a Kasikorn account in Thailand. I normally do 2 transactions per month which both go to Kasikorn, 1 to myself and the other to my Thai partner.

Sometimes the money is in the Kasikorn accounts instantly and other times takes longer. The longest it has taken over the last 11 months has been a couple of hours
Doug ********
Doug ********
mine normally less than ten seconds
Richie *******
Richie *******
Very fast in fact I'd say instant even on weekends. And the best rate out there.
Steve ******
Steve ******
I have been using them for some years now and the transfers normally take seconds. I did worry on one occasion but this was down to the Thai bank and not wise and it was sorted inside a day.
Graeme *******
Graeme *******
I'm not from the UK but use Wise and it all depends on who at the Wise end decides which Thai bank to carry out the transaction , so if it is done by debit card or CC happens in seconds but you pay more of a fee. Bank transfer from my NZ bank to Thailand takes 4 hours if they, Wise decide to use Kasacorn but if they use BKK Bank it takes up to 8 hours. You can look at your recept and it details what bank they used for the transfer. Last week I did a Wise transfer from NZ to BKK Bank, my transfer to Wise was at 0630 am my bank sent the money to Wise at 0830 Wise then paid out at 1045 using BKK Bank money I'm my BKK Bank acc 1415
Tom *****
Tom *****
I transfer wise to Kasikorn instant then local transfer Kasikorn to Bangkok bank instant
ScenicZ********
ScenicZ********
I have used Wise for a long time to transfer UK gov.pension weekly.Always in my SCB account in a matter of a few minutes.Last week for a change used Bangkok Bank and it took a day and a half,so back to SCB.
Ray *********
Ray *********
Usually 6 seconds to Kasikorn. I usually transfer GBP to WISE and convert to Baht when I like the rate....then I transfer on the 1st of the month (for ease of identification for Immigration)
Terry ********
Terry ********
Always instant from the UK to KBank
Terry *********
Terry *********
Wise is great Bangkok bank is a waste of space if you transfer on a Friday you wont get your money till Monday afternoon Kasikorn bank is great and instant.
Jim *********
Jim *********
Depends on the bank. I have 3 accounts. Bangkok Bank, SCB and Krungsri. Only Bangkok Bank there is a delay, the others are immediately.
Ken *******
Ken *******
Mine used to be instant but now have to transfer before 10am to get the money by 2pm . Any later than 10am have to wait until next day 2pm.
Gus ********
Gus ********
Bkk bank , at 2pm the next day ..Krungthai instantaneous.
Richard **********
Richard **********
With Revolut to Krungthai funds can arrive in under 1 minute, but during banking holidays it can take longer. With Bangkok Bank it was often variable with no indication of when funds might arrive Avoid Bangkok Bank at all costs.
Paul *******
Paul *******
I recently sent myself some from uk to bkk bank and it took 24 hrs or more.
Leigh ***********
Leigh ***********
Pretty much instant in most cases, with the very exceptional delay of an hour or two.
Steven *******
Steven *******
My UK Bank Barclays to Wise and Wise to Kasikorn instant.
Stephen *******
Stephen *******
Steven Prior same here no issue is it difficult to open a bank acount in thailand ?
Daz *********
Daz *********
1 to 2 seconds usually
Noel ********
Noel ********
Since they changed to bank of thailand not instant normally delayed. Plus changing for holding multi currencies in next two months to everything instantly converted to thai baht. We need to find better options. I would suggest revolut whilst you still have uk address.
James ********
James ********
Transfers to Bangkok bank is about 24 hours from wise! It’s never been any faster for me
Dave ********
Dave ********
I think it depends on how old your account is. My account is less than a year old and all my transactions go through in seconds
Michael **************
Michael **************
Mostly instant but on the odd occasion a few hours
Gerry ******
Gerry ******
I used wise it normally takes seconds from UK to wise then to my Thai Bank..Kbank.
Dino ***********
Dino ***********
Used to take seconds but for the last year or so it comes the next day
Peter ******
Peter ******
Depends, sometimes it's instant (most times) or it could take an hour or so, the worst I've had is 24 hours!
Steve ********
Steve ********
Very rarely above a few seconds, occasionally a matter of hours, as suggested by others this may be down to time/day of sending
Mervyn ********
Mervyn ********
Been using wise for years, 3 x transfers a month usually takes 3-4 seconds to SCB.
Richard *********
Richard *********
Instant!
Mick *******
Mick *******
Depends on when you do it and amount, weekends usually rake longer, small amounts up to
*****
bht, is done in seconds
Mark ******
Mark ******
I’ve heard about Wize - could somebody explain what it is and its advantages, please?
Steve *********
Steve *********
Mark Keen it's a money transfer app. Send money from your home bank account to your Thai bank account.
Tony ********
Tony ********
Check first because some Thai banks are not compatible with Wise. United Overseas Bank is currently not one of their preferred partners.
Les *********
Les *********
I transferred money today and it takes 2 days it used to be instant I liked it before they sold to new people 🥲
Paul ***********
Paul ***********
My transfers to SCB usually instantaneous although there have been times of delays up to a few hours. Never stress about as a lot people do because of their expectations.
Lorraine ********
Lorraine ********
Your better with resolute
Susan *********
Susan *********
No such thing as expats, they're immigrants.
Michael ********
Michael ********
No problems and most of the time it's instant
Rok ********
Rok ********
I transferred £1547 / 66,000 baht barclays to wise to Kasikorn yesterday: instant credit on the Kasikorn account.
Peter *******
Peter *******
Up to now instant its not wise that hold thins up its the bank
Neil *********
Neil *********
It depends on your bank my Bangkok bank account sometimes takes 4 days

But kasikorn bank arrives instantly
Jason *******
Jason *******
I've used wise for years.... Not had any problems....
Gordon ********
Gordon ********
I use Wise regularly when in Samui, I transfer from UK bank straight into Wise and it takes seconds during the week and can take two hours at weekends
Lamont ********
Lamont ********
Used Wise for one and a half years to transfer funds to Thailand from the US monthly. Wise was very fast (usually same day or next day) and offered the best exchange rate. Not anymore. I started having problems with Wise last year. Transfers were late, often taking four or five days. Sometimes Wise would just hold on to my money for several days with no explanation. It made money management very difficult in Thailand, particulary with rent and paying for expenses.

I finally switched to Remitly a few months ago. The exchange rate is slightly worse, but Remitly transfers funds instantly in most cases. The longest I ever had to wait is under 30 minutes, but it's usually instant with Remitly.
Simon **********
Simon **********
Depends how much you send, I usually split it into less than
*****
THB payments if I want it in a hurry. Over
*****
in one go can take 24 hours, less arrives in minutes.
Kris *********
Kris *********
It arrives in Kasikorn bank in minutes
Tim ***********
Tim ***********
Kris Kennedy i would say seconds but yes very quick
Richard *********
Richard *********
Been using Wise for a while now and it’s always been instant literally within seconds of completing the transfer information, however last night there was a delay but only around ten minutes give or take. Apart from that it’s never been an issue.
Andy **********
Andy **********
Used to be quick ( a few mins). Now its minimum 1 day. ( if you send on a friday, its 2 days ). So i send on a thursday.
Steve ********
Steve ********
Immediate
Jay *****
Jay *****
Usually takes a couple of hours for me to ABA ,sometimes less
SunnyChe*********
SunnyChe*********
Used to be great and practically instantaneous - but had a lot of issues.

Wise deposit speed also “seemed” to depend on which “reason” for sending - “long term stay” etc

Now use Remitly which usually gets there within 20 minutes.

(This was to Bangkok Bank)
Peter *******
Peter *******
Used to use BKK bank, until my Wise tfr "disappear" for over 10 days! Changed to SCB, almost instantanous, in fact in my act before Wise announces it!
Paul ********
Paul ********
Kasikorn is within minutes
Pui *****
Pui *****
Wise is so commonly used that it is almost like asking if people use Mastercard.
Mark ********
Mark ********
Depends on the bank. If I send to Bangkok bank it's 1-3 days depending on how much I send, with krungsri it's instant always.
Malcolm ********
Malcolm ********
If you open a wise account and transfer first it will take seconds
Nigel ***********
Nigel ***********
Never had a problem ,,this week have send money, always low amount under a grand, within 5mins,,
Giuse **************
Giuse **************
Anyone had to send money to Siam Commercial Bank (Thai Panit)?
Rab ******
Rab ******
30 seconds, last night.
Ian *******
Ian *******
@Rab *****
And that was on a good night Ahh 😂
David *******
David *******
I use wise and it comes in seconds if i avoid using bangkok bank. I pay it into yellow bank
James ***************
James ***************
Depends what bank you use, for me Bangkok Bank normally next day but no transfers over a W.E. Krungsri in seconds even on a W.E.
Roger ********
Roger ********
Depends which bank you are transferring to, what day it is and the time of your transfer. Been using Wise for a decade. The money has always arrived.
Donald **********
Donald **********
Like a lot of the other people here, if you send it to the Bangkok Bank it is around two the next banking day. (Never timed it to the nearest minute 🤣). K-Bank is almost instantaneous but my wife prefers the Bangkok Bank app and doesn’t mind waiting.
Neil **********
Neil **********
I use wise takes about 60 seconds
David ********
David ********
I make frequent transfers to Thailand and it takes only seconds, except at weekends, when there are often delays for a few hours.
Bob **********
Bob **********
Never wait until your broke to send money
Mark *********
Mark *********
It use to come in seconds but now it takes a day normally week day or longer on weekend
Chris ************
Chris ************
Iv been using mine for metro payments and paying bills at restaurants and bars etc. works fine however haven’t withdrawn yet but sore it will be fine. I already used it in an atm “to check balance” in order to activate contactless
Colin **********
Colin **********
I use Revolut not wise, I regularly transfer to my Thai bank. It’s almost instantaneous.
Keith **************
Keith **************
Small amounts instantly..ie 500 pounds ..larger amount sometime need checking for fraud. And take longer
Andy *******
Andy *******
Transfer instigated 7am thai time midnight UK, money received Usually by 3pm same day

Occasionally however it can take till 3pm following day
Adam ******
Adam ******
Took just over a minute for me last week. By the time I'd logged out of Wise and opened my Thai bank app, it was there.
Steve *********
Steve *********
Weekends can be slow , but otherwise very fast , use all time.
Peter **********
Peter **********
UK to Thailand is approximately 6,000 miles.

It takes three days to travel to the moon.

So assume Wise is not instantaneous but not the next day!
Paul *******
Paul *******
I do it regularly. For me it gets transferred at the next 7am UK time.

Always arrives 2.01pm in Thailand.

Before that can be 5 mins but after 7am will be next day.
Tom *******
Tom *******
Large or small it is normally seconds however yesterday took 11 minutes
Darren ***********
Darren ***********
Hard to get it out of here however easy to bring it in
Darren ***********
Darren ***********
Wise is perfect for here
John ********
John ********
I think it depends on the receiving bank. Bangkok Bank is usually 2:13 PM the next day and yes it is that exact. Other banks seem to be almost instantly. Most expats in Thailand seem to be happy with their service.
Lloyd *********
Lloyd *********
My transfers, usually 3 times a month:

UK bank to Wise account is instant.

Australia bank to Wise account instant.

Wise to Kasikorn instant.

Wise to Bangkok bank usually takes several hours to days, hence my change to Kasikorn last July.
Steve *******
Steve *******
I use wise to do a monthly transfer to Bangkok Bank. Over the past 3 or 4 it was almost instantly. But recently it usually takes a day or two.

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