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What is the best way to transfer USD or EUR to Thai Baht with low fees?

International Money Transfer Thai Bank Account Wise Foreign Exchange Rates Visa Requirements in Thailand Expats in Thailand Cash Exchange In Thailand Revolut Chase Bank Transfers

Apr 30, 2026

12 hours ago

GrayFr******

ORIGINAL POSTER

What is the best way to get low transfer rates from USD or EUR to BAHT? Is Wise a good option, or should I wait to move to Thailand and open a bank account. I have heard opening Thai bank accounts can be difficult.

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TLDR : Answer Summary

The best way to get low transfer rates from USD or EUR to Thai Baht involves using services like Wise, which is recommended to be opened in your home country. Users agree that Wise allows for good rates and low fees, especially when transferring money once in Thailand. Others suggest cash exchanges in Thailand, citing places like Super Rich in Bangkok for the best rates, though cash has its limitations for large purchases. Opening a Thai bank account may be difficult, requiring a suitable visa, while alternatives like Revolut and Chase Bank are worth considering.

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John *******

Usa. Chase Bank. Transfer to bank account in thai. No fees

3 hours ago

John **********

What visa will you move to Thailand on?

4 hours ago

David *****

IMO the best rates of exchange, but with obvious limitations, is cash. Go to super rich headquarters in bkk and change there.

I’ve used most methods including atm, wise, wire transfers and I think cash gives the best overall rate. But obviously can’t buy big items using cash.

When I buy a home, I’ll use wire transfer and hope I picked a good day/week to send the funds.

10 hours ago

GrayFr******

ORIGINAL POSTER

David Lew Interesting, so It would be more profitable to bring 20k cash with me and exchange at the bank exchange rather than exchanging through wise?

4 hours ago

Denis *********

GrayFrog9258 I personally wouldn’t do that. Up to you.

3 hours ago

Reply to

Denis *********

Dany ********

Revolut 👍

11 hours ago

Graeme ******

Best open a wise account in your home country then when you are in thailand you can move your money from your home account into thai baht at excellent rates with low fees, you can then use this to spend thai baht in thailand via a debit card, electronic card or withdrawal cash from ATM

11 hours ago

Martin *****

Wise

11 hours ago

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

You can only open a Thai bank account with a suitable Visa

Wise is very common here but best to open a Wise account from your home country .

12 hours ago

George ********

Ant W Tailor can you use a wise card to pull money there ?

11 hours ago

Rick ****

George Mangov Yes, but not advisable. Fees on both ends.