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What is the best service for transferring smaller amounts of money to Thailand?

Money Transfer Thailand Wise Remitly XE Bank Transfer Exchange Rates

Aug 4, 2025

21 days ago

ORIGINAL POSTER

What do you find to be the cheapest, easiest, and fastest service to use when transfering smaller amounts money to Thailand?

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TLDR : Answer Summary

The community discusses various services for transferring smaller amounts of money to Thailand, highlighting Wise as a leading option due to its competitive rates and ease of use. Other services mentioned include Remitly, XE, and international bank transfers. Users emphasize the importance of not just speed, but also the exchange rates and fees associated with each service. Some recommend using ATMs with low transaction fees as an alternative for cash withdrawals.

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Patrick ********

Bank transfer to Thai Bank account. Takes 3 working days from UK 9 pounds.

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David **********

Nab overseas transfer

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Michael ********

Wise

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Chris ******

Wise I used it first time last week 6 seconds for it go through western union I have to set my alarm clock to keep waking me up it's that slow

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Graham **********

Wise seconds

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Dave *********

Just get a Charles Schwab account. All ATM fees from any bank, anywhere in the world are refunded at end of month. No monthly fees. Free checking. No international transaction fees. Great exchange rate when u take money out of a ATM (similar to a good exchange booth like SuperRich exchanges).

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Chris *********************

Use International bank transfer, costs you but your money is tracked and safe

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Colin *******

Wise or revolut

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Vinson *******

ATM ‘s work fine

Choose the one with the lowest transaction fee ( the yellow ones, if I remember correctly, do not let the ATM convert , rather choose allowing your credit card provider convert and since there is a fixed fee, take the maximum withdrawl allowed?

P..S all ATM have an English option , sometimes the button is hard to find

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Sam ********

But thats doesn't help with sending small amounts of money to your Thai girlfriend.

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Sam ********

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Michael ********

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Max *************

It's not about fast transfers,it's about the best exchange rate and hopefully in combination with a low fee.

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Ant ***********

Wise

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Tracey ********

Torfx no charges..

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Stuart ***********

If you look at Wise there is a comparison tool that is really useful. Wise is not always the cheapest on their comparison tool.

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Max *************

Wise without a doubt.

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Gerg **********

Remitly has been great for me. Faster than Wise in my experience.

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Chris **********

I have WISE, XE, OFX and REMITLY. I find in all respects REMITLY to be better including rates

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Chris **********

@Gerg *********

yes I totally agree more reliable and I found the fees and rates a little bit better

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Max *************

@Gerg *********

The exchange rate is more important than speed and Remitly can't match Wise.

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Gerg **********

@Max ************

To each their own.

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Gerg **********

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Andrew ********

If under 30k use atm select "Continue with out conversion" Western Union charges too much for cash pick up and takes off average of 1.50$ from exchange. ( with out thai bank )

If you have someone you trust with thai bank or yourself wise is the next option

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James ********

Wise wins hands down.

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Stuart *********

Wise. Some prefer XE, try the numbers for the amount you’re trying to do. Charges change but so will offered exchange rates.

One may be better than the other depending on the amount and currency you’re wanting to transfer.

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Stuart *********

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