5 Best Ways to Send Money to Thailand from the UK (2025 Comparison)

If you’ve ever needed to send money to Thailand from the UK, whether to support loved ones or pay overseas vendors, you’ll find plenty of options out there. However, not all money transfer services offer the same value, especially when it comes to fees, exchange rates, and speed.

In this guide, I’ll highlight five services for sending GBP to Thai baht in 2025. You’ll find side-by-side comparisons covering fees, exchange rates, transfer times, and more — helping you make the right choice for your needs.

To help you choose the right provider for sending money from the UK to Thailand, here’s a quick comparison of fees, speed, and best use cases across five services.

To send money from the United Kingdom to Thailand, you’ll need to provide a few key details. Preparing this information in advance can help avoid delays and ensure a smooth transfer process.

Here’s what most money transfer services require:

• Recipient’s full legal name, as registered with their Thai bank
• Bank account details, including the account number and the SWIFT/BIC code of the Thai receiving bank
• Transfer amount in GBP or THB, depending on the currency you’re sending
• Purpose of transfer, such as personal remittance, supplier payment, or business expense
• Preferred payment method, such as a UK debit card, credit card, or domestic bank transfer

Depending on the provider and the amount sent, you may also be asked to provide the recipient’s details, such as their Thai address or phone number. 

It’s also important to make sure your account details and personal data are accurate and up to date before initiating the transfer.

Wise (formerly TransferWise) is a UK-based fintech company regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011. [1] It was founded in 2011 and is known for transparent, low-cost international money transfers that use the mid-market exchange rate. [2]

For UK-based users sending money to Thailand, Wise offers direct bank transfers in Thai baht (THB) with competitive fees and real-time currency conversion. Its use of the real exchange rate and fast delivery to Thai bank accounts makes it a reliable option for international money transfers from the UK. [3]

Key Information About Wise

Below is a breakdown of Wise’s key features, pricing, and options for sending money to Thailand from the United Kingdom. This includes supported payment methods, delivery times, fees, and real-time exchange rate details. [4]

How to Open a Wise Account

Opening a Wise account in the UK is quick and can be done online or via the mobile app. Here's a simplified overview of the process for both individuals and businesses:

For Personal Accounts

1️⃣ Visit the Wise Website or App
Go to the Wise website or download the app from the App Store or Google Play.

2️⃣ Sign Up
Register using your email address, or use an existing Google, Apple, or Facebook account for quicker access.

3️⃣ Provide Personal Details
Fill in basic information, such as your full name, address in the UK, and phone number.

4️⃣ Verify Your Identity
Submit a government-issued photo ID (passport, driver’s license, or national ID) and proof of address (e.g., utility bill or bank statement) if required.

5️⃣ Start Sending Money
Once your account is verified, enter the transfer amount, add recipient details, and choose your payment method (bank transfer, debit card, or credit card). The funds will be deposited directly into the recipient’s Thai bank account in THB.

For Business Accounts

1️⃣ Visit the Wise Business Website or App
Go to the Wise Business website or download the app.

2️⃣ Sign Up for a Business Account
Select "Business" during the sign-up process.

3️⃣ Provide Business Details
Enter your business tax ID, company registration number, and business address.

4️⃣ Verify Your Identity
Upload the account administrator’s ID (passport, driver’s license, national ID), along with business verification documents such as a certificate of incorporation or proof of registration.

5️⃣ Wait for Approval
Business account verification can take up to 10 working days, depending on your company structure and the documents provided.

6️⃣ Start Sending Money
Once your account is approved, you can start sending payments to Thailand with your business account.

Q&A

For UK users looking for a mobile-first platform to send money abroad, Revolut offers an all-in-one solution. Founded in 2015 and regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations, Revolut is best known for its digital banking experience, multi-currency accounts, and in-app financial tools. [5]

Users can send money from the UK to Thailand directly from their GBP balance, with transfers arriving in Thai baht (THB) via local bank deposit. [6] Fees and currency exchange allowances may vary depending on the user’s subscription plan. [7]

Key Information About Revolut

Revolut offers UK users a streamlined, app-based platform for international money transfers to Thailand. Below is a breakdown of its key features and transfer options. [8]

How to Open a Revolut Account

Opening a Revolut account in the UK is done entirely online. The process is slightly different depending on whether you're setting up a personal or business account. [9]

For Personal Accounts

1️⃣ Download the Revolut App
Get the Revolut app from the App Store or Google Play.

2️⃣ Sign Up
Register using your UK mobile number and create a secure password.

3️⃣ Provide Personal Details
Enter your full name, date of birth, and address in the UK.

4️⃣ Verify Your Identity
Upload a government-issued photo ID (passport, driver’s license, etc.) and take a selfie for verification.

5️⃣ Link a Bank Account or Card
Connect a UK bank account or card to fund your Revolut balance.

6️⃣ Choose Your Plan
Select your preferred plan – Standard (free) or a paid subscription.

7️⃣ Start Sending Money
Once your account is verified, go to the “Transfers” tab in the app to send money to Thailand.

For Business Accounts

1️⃣ Visit the Revolut Business Website
Go to the Revolut Business website to begin your application.

2️⃣ Enter Business Details
Provide your company name, trading name, incorporation number, and UK address.

3️⃣ Upload Required Documents
Submit your certificate of incorporation and proof of business activity.

4️⃣ Verify the Identity of Directors or Shareholders
Upload ID and a video selfie to verify the identity of your company’s directors or shareholders.

5️⃣ Wait for Approval
Revolut will review your application, typically within 24 hours.

6️⃣ Start Sending Money
Once approved, you can send GBP to Thai bank accounts directly from your business dashboard.

​For UK users needing to send money to Thailand when bank deposits aren’t suitable, MoneyGram is a great option to consider. As a global payment service provider, it facilitates international transfers through both digital channels and a wide network of physical agent locations. [10]
MoneyGram is best known for enabling fast, cash-based transfers to more than 200 countries and territories. [11] In the UK–Thailand corridor, users can send funds online, via the mobile app, or at an agent location, while recipients in Thailand can choose between direct bank deposit or cash pickup at thousands of payout locations across the country.

Key Information About Moneygram

MoneyGram provides UK users with flexible options to send money to Thailand, including online transfers, in-person services, and a strong global payout network. [12]

How to Open a Moneygram Account

MoneyGram does not offer business accounts for companies to send payments directly. The steps below apply to personal users only. [13]

1️⃣ Visit the MoneyGram UK Website
Go to the MoneyGram UK website and create an account or log in to your existing profile.

2️⃣ Enter Recipient’s Details
Provide the recipient’s full name and location in Thailand.

3️⃣ Choose Payment and Delivery Method
Select how you will pay (bank account or debit card) and how the recipient will receive the funds (bank deposit or cash pickup).

4️⃣ Enter the Transfer Amount
Specify the amount you wish to send. You’ll see the exchange rate, fees, and the estimated amount the recipient will receive.

5️⃣ Confirm and Pay
Review the details and confirm the payment using your selected payment method.

6️⃣ Save Reference Number
Keep the reference number, especially if your recipient is collecting the funds in person.

Remitly is a digital-first payment service provider offering international money transfers from the UK to Thailand through its mobile app and website. [14] The platform is geared toward individuals rather than businesses, with features tailored to personal remittances, such as sending money to family or friends.

Remitly UK, Ltd is authorised by the Financial Conduct Authority (FCA) as an Electronic Money Institution, allowing it to operate in the UK. [15] It is known for its user-friendly interface, promotional exchange rates for new users, and flexible delivery options.

Senders can transfer GBP to Thai baht with transparent fees and real-time exchange rates shown before completing the transaction. Recipients in Thailand can receive funds via bank deposit, cash pickup, or debit card, with payout supported through local banks, including Bangkok Bank, Krungthai Bank, and Siam Commercial Bank.

Key Information About Remitly

Remitly offers UK users a simple way to send personal transfers to Thailand with flexible delivery speeds and transparent pricing. [16]

How to Open a Remitly Bank Account

Remitly is designed for personal use only and does not offer business accounts. The steps below apply to individual users sending money to Thailand from the UK.

1️⃣ Visit the Remitly Website or Download the App
Go to the Remitly website or download the mobile app, then sign up for a free personal account using your email address.

2️⃣ Provide Personal Details
Enter your full legal name, phone number, and UK address.

3️⃣ Choose Thailand as Your Destination
Select Thailand as your destination country, then choose how your recipient will receive the funds (e.g., bank deposit or cash pickup).

4️⃣ Add Recipient’s Information
Provide the recipient’s details, including their full name and bank details (if applicable).

5️⃣ Select Your Payment Method
Choose your payment method, such as a debit card, credit card, or bank account.

6️⃣ Enter Transfer Amount
Input the transfer amount in GBP. The system will display the total fees, exchange rate, and estimated delivery time before you confirm.

Western Union is a global payment service provider that allows personal money transfers from the United Kingdom to over 200 countries and territories, including Thailand. In the UK, the service is available online, via mobile app, or in person at thousands of agent locations. [17]

Western Union Payment Services GB Limited is authorised by the Financial Conduct Authority (FCA) to provide payment services. The company is widely recognised for its global reach and flexible delivery options, particularly for senders who prefer cash pickup or offline support.
For transfers to Thailand, senders can choose between bank deposits and cash pickup. Recipients can collect funds at major Thai banks, including Krungthai Bank, SCB, and Bangkok Bank. [18]

Key Information About Western Union

Western Union offers UK users a familiar way to send personal transfers to Thailand through both digital channels and in-person locations. [19]

How to Open a Western Union Account

Western Union provides accounts specifically for individual users and does not cater to businesses. If you're sending money from the UK to Thailand, follow these simple steps to get started with your personal account. [20]

1️⃣ Visit the Western Union Website or App
Go to the Western Union website or download the mobile app, then click on “Sign Up” to start the registration process.

2️⃣ Provide Personal Details
Enter your full legal name, email address, phone number, and residential address in the UK.

3️⃣ Verify Your Identity
Submit a government-issued ID (passport, driver’s license, etc.) and any other requested documents to comply with legal regulations.

4️⃣ Choose Your Payment Method
Link your preferred payment method, such as a bank account, debit card, or credit card.

5️⃣ Select Thailand as the Destination
Choose Thailand as the destination country, then enter the recipient’s details, including full name and preferred receiving method (e.g., bank deposit or cash pickup).

6️⃣ Confirm Your Transaction
Review the transfer details, including fees, exchange rate, and expected delivery time. Once confirmed, complete the process.

While sending money from the UK to Thailand is generally easy, a few small missteps can still lead to extra costs or delays. Understanding how fees, exchange rates, and transfer timing work can help make the process smoother from start to finish.

Here are some of the most common issues to be aware of when sending money to Thailand:

Hidden Bank Fees

Many providers advertise low or zero fees, but the actual cost of a bank transfer can vary depending on how you fund the transaction. In the UK, paying by credit card often incurs higher fees compared to using a bank transfer or debit card. For example, Wise charges a fee of £1.77 when paying by bank transfer to send £100 to Thailand.

Some services, like Remitly, offer promotional fee waivers for new customers. However, these usually apply only to the first transfer or a limited amount. In contrast, Western Union may charge no transfer fee when paying by bank account for select transfers, but the cost can increase when using other payment methods.

Before confirming your transaction, always review the full fee breakdown on the provider’s website. Even a small difference in fees can significantly impact the amount your recipient receives, especially with frequent or high-value transfers.

Unfavourable Exchange Rates

Even when transfer fees appear low, poor exchange rates can reduce the total amount your recipient receives. Some providers apply a markup to the mid-market rate, the actual rate you see on financial news sites or Google — which means the cost of the transfer may be higher than expected.

Wise uses the real mid-market rate with no markup, making it a strong choice for transparent pricing. On the other hand, Western Union applies a small margin to the exchange rate, a common practice among many providers. 

At the time of writing, a £100 transfer to Thailand via Western Union would yield ฿4,452.91, based on a rate of £1 = ฿44.5291.

While the difference might seem small on one transfer, it can add up significantly if you send money regularly or in larger amounts. That’s especially important for business owners managing recurring international payments.

Weekends & Public Holidays in Thailand and the UK

Bank transfers made near weekends or public holidays can lead to delays — even if the provider supports fast or instant delivery. This is especially important when sending money from the UK to Thailand, as both countries follow different schedules.

In the UK, most banks operate from Monday to Friday, with some public holidays in 2025, including [21]

• Good Friday – 18 April
• Easter Monday – 21 April
• Early May Bank Holiday – 5 May

In Thailand, weekends fall on Saturday and Sunday, and banks are also closed on national holidays. Examples of financial holidays in 2025 include [22]

• Songkran Festival (Thai New Year) – 13–15 April
• H.M. the Queen Mother's Birthday – 12 August
• H.M. the King’s Birthday – 5 December

If you’re transferring money for time-sensitive needs, such as family support, tuition, or supplier payments, it’s best to avoid sending it late on a Friday in UK time or just before a Thai holiday weekend. While some providers process instantly, the receiving bank may not credit funds until the next working day.

When sending money to Thailand from the UK, the key to a smooth transfer is preparation. By choosing the right provider and timing your transfer carefully, you can minimise unnecessary fees, avoid delays, and ensure your funds reach the intended recipient without a hitch. 

Take the time to explore your options, compare exchange rates, and always check for hidden costs before confirming your transfer.