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What are the tax implications and rules for sending large amounts of money from the US to Thailand for building a house?

money transfer visa regulations tax implications Thai property ownership foreign exchange expats in Thailand investment house building process in Thailand immigration advice

Jun 19, 2025

a month ago

Jack ****************

ORIGINAL POSTER

I'd like to build a house. For REASONS I am interested in sending the money from USA to my wife here. How did that work? With large transfers does it get declared or flagged or? Is it taxed? What sort of rates? We know very little about taxes in Thailand- nobody in my wife's network has anyone ever had enough money to need to pay taxes.

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TLDR : Answer Summary

The post discusses the process and implications of transferring money from the USA to Thailand for the purpose of building a house, highlighting key issues such as tax regulations, limits on transfer amounts, and potential ownership structures. It emphasizes that amounts under 5 million THB typically do not trigger scrutiny from Thai banks. Commenters note various strategies for managing ownership of the property, with some recommending establishing a business entity rather than putting the property in the wife's name, while others advocate for simplicity in financial transactions.

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Mike ******

Do not do it.. would you do the same in USA.. build a house pay for it.. but not own it...??

24 days ago

Chris *******

You can send money to your wife there is no tax on that

I transferred from USA through Charles Schwab to my bank account and then I sent it to her

I have also in the past sent direct to my wife

Keep in mind there isn’t anything set in stone, but the Thai government does look at foreign transfers to your account

In that case, you should send everything to your wife’s account

As I did

The people on here telling you to buy it through a company they’re already admitting failure

Everything I have bought here is in my wife’s name proudly seven years married plan on making it the rest of my life

I went into this as a permanent thing

In my mind, put it in a business name is not fully engaging your life partner

Hopefully you’re just as lucky as I am. Good luck.

24 days ago

Jack ****************

ORIGINAL POSTER

@Chris ******

in appreciate that. I think the are valid reasons to do it, but most of the cats in here are definitely thinking of their future ex wife with these strategies.

24 days ago

Chris *******

@Jack ***************

lol

Yes mate

I even laugh with her 8 older brothers

I’m not going no where

To be honest with you at this point, I think if I left, they’d kill me because it hurt them, not her

Good luck mate p.m. if you want to chat some more anytime

24 days ago

Reply to

Chris *******

Ste****

There are lawyers for things like this let them make a usufruct and have them deal with the paperwork. Dont listen to these facebook professionals just go to a real one (lawyer) and get a usufruct.

24 days ago

Kerry *********

You're right but his question was actually about cash transfers and taxes, not about how to deed the house.

24 days ago

Ste****

@Kerry ********

in that case he can gift 20million baht tax free if i remember correctly.

24 days ago

Reply to

Ste****

Martin **********

I think the safest thing to do is to put land on name of your wife. You put the house on your name. All perfectly legal. On top of that, I will go to a lawyer, and eventually also, loan her the money to buy that land. Stipulate, she cannot sell the land, without complete payback of the loan, and stipulate how you lease the land from her. Run from lawyers, who want to buy with a 100 % Thaï company, the land, where they own the shares.

For tax, and control, bring the money in, amounts, less the 2 million baht. I did it, without problem. There are by the way, more then rumors, that tax rules are going to change again, and even resident, not have to pay from transfers of money earned, the last 2 years. As for now, this is not the case. If money earned before 2024, and with proof, you not pay anything on that.