What Thai banks does the Wise app use for international transfers?

Wise sends to 7 banks. But according to new information, Kasikorn is where the transfer lands. If you have a Kasikorn account it appears as an international transfer. If you have an account with 1 of the other banks, it may show up as a domestic transfer as it went through Kasikorn first.

Their partners are Bangkok Bank and Kasikorn. But you cannot rely on that, as it is merely a commercial arrangement and they could overnight switch to another partner and as they do not inform you, you would be unaware.

I bank with SCB, and for years i had no problem with my statements showing my transfers as international. But, from Aug 31st 2025, they switched partner from a Thai payments company to Kasikorn Bank and from Sept 1st 2025 my transfers all showed as domestic transfers. I was unaware until i went for my Extension of Stay in December and it was rejected by Immigration.

I was eventually, after a lot bouncing around between Wise, SCB snd Kasikorn, able to cobble together a variety of documents that gave Immigration an audit trail on the transfer from Sept to December but by then my visa had expired and i was under threat of expulsion if my resubmitted docs were not accepted. With my family coming to Thailand for a holiday over Xmas and New Year this was a pretty stressful situation. Immigration eventually accepted the docs i had snd gave me the extension of stay but warned me that next year they will not accept it, and i need to provide bank statements showing international payments. So i have now quit using Wise and instead use my bank - it is slower and more expensive, but far safer. Wise is just too risky for me.

Kasikorn definitely do. I transferred money to my account yesterday

@Robert ***********

WISE discontinued marking their transfers as having come from abroad a couple of months ago. Now if you need the transfers coded as FTT, you need the letter from Kasikorn (the bank WISE uses for the last step). Visit the WISE website and input "transfer Thailand" into the search mask. Some replies will pop up in a scroll-down menu, guiding you to the site that contains instructions on how to get a confirmation letter from the Kasikorn bank that the money came from abroad

Been using them for 5 years into SCB, never an issue, rarely takes more than mins, and shows as international transfer for visa renewal purposes.

Just googled this’s

I use Krungthai. Transfers are instant and marked as international.

K Bank

I transfer money regularly and arrives in seconds

I have no problems getting international national transfers from UK to Bangkok bank. Same for 23 months.

Everything goes via Kasikorn since Sep 1st. People now getting caught out renewing extensions as the last four are now showing domestic transfer if going on to other banks.

Kasikorn bank is the local partner as now

Wise have some form of partnership with Kasikorn apparently all money go via Kasikorn who then distribute to other customer banks

Krungsri says Global Payment Hub with Wise

Never had any problems with Bangkok Bank

My friend was just blocked out for doing less than $15,000

It's very very unreliable

It'll do $2,000-3005,000 and bang we won't send anything more

Thats good news, it was bangkok bank and they are the worst

I don't know which bank(s) they use, but I just made a transfer to Bangkok Bank today and it showed as "International Funds Transfer".

I can send 500k baht equivalent by wise per to Krungsri.

Works fine in my Siam bank

I don’t think WISE will be able to suffice or give you what you want for the 90 day “O”.

Yes, Wise uses banks as partners for holding customer funds and facilitating transfers, but Wise isn't a bank itself; it separates customer money into accounts with established financial institutions (like JPMorgan Chase in the US), rather than lending it out like traditional banks, offering protection via "safeguarding" and sometimes FDIC insurance if opted in.

How Wise Works with Banks:

Holding Funds: For security, Wise holds customer money in accounts at partner banks (e.g., JPMorgan Chase in the US, or other institutions in different regions).

FDIC Insurance (US): In the US, funds in a Wise account (for opted-in users) are swept into FDIC-insured accounts at Program Banks, providing deposit insurance up to limits.

Safeguarding (UK/Europe): In the UK and Europe, Wise uses "safeguarding" by keeping customer funds separate from their own business funds in accounts with banks, unlike banks that lend out customer money.

Transferring: When you send money, Wise uses these bank connections to move funds, often routing them locally to avoid traditional Swift fees and delays, working with many local banks like Bangkok Bank and Kasikorn in Thailand.

Key Difference from Banks:

Business Model: Banks lend out customer money, while Wise does not; it focuses on international transfers and holding funds securely in partner banks.

Services: Banks offer loans, credit, and overdrafts; Wise focuses on multi-currency accounts and global money movement.

In essence, Wise leverages banks as a crucial part of its infrastructure to keep your money safe and facilitate fast, low-cost international payments, without being a bank itself.

When transferring with Wise, choose 'funds for long-term stay in Thailand' and the transfer will show as an international transfer, whichever bank you use. The funds take a little longer to transfer using this option.

I used Kasikorn and SCB, and it's instant.

Don't use Bangkok Bank anymore after the shenanigans last year.

I regularly use Kasikorn Bank with my Wise app on the i phone .

Very fast transfer normally less than 1 minute.

Bangkok Bank used to go instantly. Now there seems to be a 24 hr or longer hold.

All international go through bangkok bank i belive

Do you mean your 90 day reporting ? If yes you just need passport

My transfers are instant with Kasikorn and SCB and next day at 2pm with BKK

Bangkok bank

Wise can use any of the following banks for international transfers:

Supported recipient banks:

Bangkok Bank Public Company

Kasikorn Bank

Krung Thai Bank

Siam Commercial Bank

CIMB Thai Bank

Bank Of Ayudhya (Krungsri bank)

Kiatnakin Phatra Bank

The Government Savings Bank

When I use Remitly it shows as a Global Hub Transfer so hoping this will suffice for monthly transfers for second extension

Wise are using Kaisakorn now as their clearing bank. Transfers there and SCB go instantly. Bankok bank can take 24 hours

They use several and chop and change between them depending on the direction of the wind.