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How to Send Money from Thailand to the US: 2026 Guide
Compare transfer methods, fees, delivery times and the ACH details needed to send money from Thailand to a US bank account with confidence.
DeeMoney
Whether you're supporting family in the US, paying US tuition, or moving your own savings, sending money from Thailand to a US bank account comes down to the same few choices most international transfers do and the differences between them add up fast on larger amounts. This guide covers the methods and providers; for a deep dive on THB–USD exchange-rate mechanics specifically, see the existing exchange rates guide for Thailand to USA transfers. For current rates, visit the money exchange page.
Highlights
DeeMoney: flat fee 125 THB + 7% VAT (133.75 THB total)
Delivered next working day (T+1) if sent before 4 PM Thailand time, vs. 3-5 business days for a bank wire, with delivery guaranteed within a maximum of 3 working days
Bank of Thailand licensed: Authorized Money Transfer Agent + E-Money License
Requires the recipient's local ACH routing number — not the wire routing number some US banks also issue
Entire process handled in-app, no branch visit required
Your Options for Sending Money to the US
Bank wire (SWIFT). The traditional route, and usually the slowest and most expensive: banks typically apply a wide exchange-rate margin on top of a wire fee, and delivery commonly takes three to five business days.
Traditional operator (cash pickup). A large network with fast cash-pickup options, useful when your recipient needs cash quickly, though bank-deposit delivery and fees vary by amount and payout method.
Digital transfer apps. DeeMoney and similar digital transfer apps let you send from a phone with clearer pricing than a bank wire, generally completing in 24–48 hours rather than several days.
Comparing Providers for the US Corridor
Provider type | Fee model | Typical speed | Delivery |
|---|---|---|---|
DeeMoney | Flat fee: 125 THB + 7% VAT (133.75 THB total) | Guaranteed maximum 3 working days | US bank account (local ACH routing number) |
Digital transfer app | Percentage-based fee | Same day-2 days | US bank account |
Speed-tiered app | Tiered fee by speed selected | Minutes to a few days | Bank account |
Rate-margin service | Built into exchange-rate margin, low/no transfer fee on larger amounts | 1-2 business days | US bank account |
Traditional operator | Varies by amount and payout method | Minutes (cash) to 1-2 days (bank) | Bank account or cash pickup |
Why DeeMoney for Transfers to the US
DeeMoney charges a flat 125 THB (plus 7% VAT, 133.75 THB total) regardless of the amount sent, so the fee doesn't grow with larger transfers the way a percentage-based fee does. Transfers to the US typically arrive the next working day if sent before 4 PM Thailand time, well ahead of the 3-5 business days common with bank wires. DeeMoney is licensed by the Bank of Thailand under the Authorized Money Transfer Agent License (no. MT125590013) and holds an E-Money License; see the DeeLight page for more on the compliance side.
Step-by-Step: Sending from Thailand to a US Bank Account
Download the DeeMoney app and register with your email and phone number, then complete KYC by uploading your passport or Thai ID and a selfie usually cleared within 24 hours.
Add your recipient's details: full name as it appears on the account, US bank account number, and their local ACH routing number, not the wire routing number, which most US banks issue separately.
Enter the amount in Thai baht; the app shows the US dollar equivalent, the exchange rate, and the fee before you confirm.
Confirm and pay via Thai bank transfer, then track the transfer in the app until it's delivered.
Frequently Asked Questions
What's a reliable service to transfer funds to a US bank account? Look for Bank of Thailand licensing, a transparent flat or clearly stated fee, and a delivery window that matches your timeline; DeeMoney and similar app-based services generally beat bank wires on both cost and speed.
What are the best ways to send money internationally to the United States? For most personal transfers, a licensed digital transfer app beats a bank wire on speed and total cost; a bank wire may still make sense for very large, infrequent transfers where you already have an established banking relationship.
How long does a transfer from Thailand to the US take? With DeeMoney, transfers typically arrive the next working day if sent before 4 PM Thailand time. Bank wires commonly take 3-5 business days.
For the mechanics of how the exchange rate itself affects what your recipient receives, see the exchange rates guide. Ready to send? Start on the money exchange page, or explore partnership options for business transfers.
