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

money transferThailandforeign exchangeremittancesexpat financeWiseRemitlyWestern Unionbank transfersATM withdrawal
Aug 4, 2025
18 hours ago
Dwain *******
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 suggests several services for transferring smaller amounts of money to Thailand, with 'Wise' frequently mentioned as the most reliable and cost-effective option. 'Remitly' and 'Western Union' are also discussed, but Wise is often favored for its favorable exchange rates and lower fees. Users recommend comparing rates on Wise’s platform and considering ATM withdrawals for smaller transactions without conversion charges to maximize savings.
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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
15 hours ago
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Graham **********
Wise seconds
15 hours ago
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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).
16 hours ago
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Chris *********************
Use International bank transfer, costs you but your money is tracked and safe
16 hours ago
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Colin *******
Wise or revolut
16 hours ago
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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
16 hours ago
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Michael ********
@Wi**
17 hours ago
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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.
17 hours ago
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Ant ***********
Wise
17 hours ago
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Tracey ********
Torfx no charges..
18 hours ago
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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.
18 hours ago
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Max *************
Wise without a doubt.
18 hours ago
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Gerg **********
Remitly has been great for me. Faster than Wise in my experience.
18 hours ago
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Max *************
@Gerg *********
 The exchange rate is more important than speed and Remitly can't match Wise.
18 hours ago
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Gerg **********
@Max ************
 To each their own.
15 hours ago
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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
18 hours ago
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James ********
Wise wins hands down.
18 hours ago
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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.
18 hours ago
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Stuart *********
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