Corridor USD → THB · US dollar to Thai baht
What does it cost to send US dollars to Thailand?
On 15 October 2026, the most a recipient in Thailand got for 1,000 USD was 33,285.86 THB via Instarem: a true cost of 6.63 USD (0.66%) including fee and rate markup. The last of 9 quotes cost 4.78%.
Transfer cost receipt · USD → THB
Most to the recipient: Instarem transfer service
- You send
- 1,000.00 USD
- Upfront fee
- 0.00 USD
- Amount converted
- 1,000.00 USD
- Rate given
- 33.2859
- Mid-market when quoted
- 33.5080
- Exchange-rate markup inside the rate
- 6.63 USD 0.66%
- True total cost
- 6.63 USD 0.66%
- Recipient gets
- 33,285.86 THB
Picking the last quote in this ledger (Xoom) instead would leave the recipient 1,379.01 THB short.
Snapshot indicative quotes retrieved 15 Oct 2026, 14:55 UTC. Quote collected 15 Oct 2026, 14:27 UTC. Source: Wise public comparison data.
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Every quote for 1,000 USD → THB
Sorted by what the recipient gets. “True cost” adds the upfront fee to the money lost in the exchange rate versus the mid-market rate at the time each quote was collected.
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 USD | 0.66% | 6.63 USD | 0.66% | 33,285.86 THB | best |
| 2. Wiseservice | 14.05 USD | 0.00% | 14.05 USD | 1.41% | 33,044.11 THB | −241.75 THB |
| 3. Remitlyservice | 1.99 USD | 1.25% | 14.43 USD | 1.44% | 33,024.39 THB | −261.47 THB |
| 4. WorldRemitservice 2d old | 2.99 USD | 1.50% | 17.98 USD | 1.80% | 32,905.69 THB | −380.17 THB |
| 5. Western Unionservice | 1.99 USD | 1.61% | 18.02 USD | 1.80% | 32,904.25 THB | −381.61 THB |
| 6. OFXservice | 5.00 USD | 2.23% | 27.15 USD | 2.71% | 32,598.33 THB | −687.53 THB |
| 7. Wells Fargobank 2d old | 0.00 USD | 3.17% | 31.70 USD | 3.17% | 32,445.87 THB | −839.99 THB |
| 8. PayPalservice | 4.99 USD | 4.08% | 45.63 USD | 4.56% | 31,978.97 THB | −1,306.89 THB |
| 9. Xoomservice | 4.99 USD | 4.30% | 47.78 USD | 4.78% | 31,906.85 THB | −1,379.01 THB |
Does the cheapest option change with the amount?
| You send | Most to recipient | Best cost | Worst cost | Recipient gets (best) | Gap best vs worst | Quotes |
|---|---|---|---|---|---|---|
| 200 USD | Instarem | 0.66% | 6.69% | 6,657.17 THB | 403.81 THB | 9 |
| 1,000 USD | Instarem | 0.66% | 4.78% | 33,285.86 THB | 1,379.01 THB | 9 |
| 5,000 USD | Instarem | 0.60% | 4.40% | 166,529.88 THB | 6,355.60 THB | 9 |
What the USD → THB numbers show
- Instarem delivered the most at every snapshot amount (200.00 USD, 1,000.00 USD, 5,000.00 USD).
- At 200.00 USD, true cost ranged from 0.66% (Instarem) to 6.69% (Xoom); the recipient would get 403.81 THB less with the last quote than with the first.
- Banks listed for this corridor averaged 3.17% in true cost at 1,000.00 USD, against 2.40% for non-bank transfer services; on average 100% of the banks' cost sat inside the exchange rate rather than in a stated fee.
- 2 of 9 quotes at 1,000.00 USD charged no upfront fee but priced in a rate markup above 0.5%, so “no fee” did not mean free.
How does the quoted mid-market rate compare with the ECB reference?
The European Central Bank reference rate for USD/THB on 15 October 2026 was 33.5400. The mid-market rate implied by the top quote at its collection time was 33.5080, a difference of −0.10%. ECB rates are published once per working day around 16:00 CET, so they drift from live market rates during the day; RateRunner uses them only as a cross-check, never to rank providers.
Every quote for 200 USD → THB
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 USD | 0.66% | 1.33 USD | 0.66% | 6,657.17 THB | best |
| 2. Remitlyservice | 1.99 USD | 1.25% | 4.46 USD | 2.23% | 6,552.20 THB | −104.97 THB |
| 3. WorldRemitservice 2d old | 2.99 USD | 1.50% | 5.95 USD | 2.98% | 6,502.19 THB | −154.98 THB |
| 4. Western Unionservice | 1.99 USD | 2.11% | 6.16 USD | 3.08% | 6,495.18 THB | −161.99 THB |
| 5. Wells Fargobank 2d old | 0.00 USD | 3.17% | 6.34 USD | 3.17% | 6,489.17 THB | −168.00 THB |
| 6. Wiseservice | 9.37 USD | 0.00% | 9.37 USD | 4.68% | 6,388.96 THB | −268.21 THB |
| 7. OFXservice | 5.00 USD | 2.23% | 9.34 USD | 4.67% | 6,388.62 THB | −268.55 THB |
| 8. PayPalservice | 4.99 USD | 4.08% | 12.96 USD | 6.48% | 6,267.49 THB | −389.68 THB |
| 9. Xoomservice | 4.99 USD | 4.30% | 13.38 USD | 6.69% | 6,253.36 THB | −403.81 THB |
Every quote for 5,000 USD → THB
| Provider | Upfront fee | Rate markup | True cost | Cost % | Recipient gets | vs best |
|---|---|---|---|---|---|---|
| 1. Instaremservice | 0.00 USD | 0.60% | 30.15 USD | 0.60% | 166,529.88 THB | best |
| 2. Remitlyservice | 1.99 USD | 0.65% | 34.45 USD | 0.69% | 166,385.59 THB | −144.29 THB |
| 3. Wiseservice | 37.52 USD | 0.00% | 37.52 USD | 0.75% | 166,317.52 THB | −212.36 THB |
| 4. OFXservice | 0.00 USD | 1.28% | 63.77 USD | 1.28% | 165,403.19 THB | −1,126.69 THB |
| 5. WorldRemitservice 2d old | 2.99 USD | 1.50% | 78.10 USD | 1.56% | 164,923.18 THB | −1,606.70 THB |
| 6. Western Unionservice | 1.99 USD | 1.61% | 82.26 USD | 1.65% | 164,783.71 THB | −1,746.17 THB |
| 7. Wells Fargobank 2d old | 0.00 USD | 3.17% | 158.65 USD | 3.17% | 162,223.87 THB | −4,306.01 THB |
| 8. PayPalservice | 4.99 USD | 4.08% | 209.01 USD | 4.18% | 160,536.34 THB | −5,993.54 THB |
| 9. Xoomservice | 4.99 USD | 4.30% | 219.82 USD | 4.40% | 160,174.28 THB | −6,355.60 THB |
Read next
Questions people ask
- Which provider gave the most for 1,000 USD sent to Thailand?
- Instarem, with 33,285.86 THB delivered, in the snapshot retrieved 15 Oct 2026, 14:55 UTC. Its upfront fee was 0.00 USD and its rate markup 0.66%.
- How much of the cost of sending USD to THB is hidden in the exchange rate?
- For the 9 quotes on 1,000 USD, rate markups ranged from 0.00% to 4.30% of the amount converted. 2 quotes charged no upfront fee but still had a markup above 0.5%.
- How current are these USD to THB quotes?
- RateRunner retrieved them on 15 Oct 2026, 14:55 UTC. Each provider quote also carries its own collection time, shown in the tables, and quotes older than 24 hours are flagged. They are indicative; the price you are offered at checkout can differ.
Related corridors
Sources
- Indicative provider quotes: Wise public comparison data (retrieved 15 Oct 2026, 14:55 UTC). Wise collects quotes from listed banks and services and is itself listed.
- Reference rate: European Central Bank euro reference rates via Frankfurter (15 October 2026).
- Raw data for this page: usd-to-thb.json