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Send money from Hong Kong to Thailand(HKD → THB)
HKD
THB|Updated Mid-market 4.1974Cheapest todayof 10 providers
InstaReM
Rate 4.1726 · Fee HK$29.50
You send
HK$5,000
Recipient gets
฿20,740
Affiliate link · No extra cost to you
Quick answer: The cheapest way to send money from Hong Kong to Thailand in September 2026 is InstaReM, which delivers 20,740.01 THB on a 5,000 HKD transfer with a fee of HK$29.50.
Quotes updated: — collected automatically from provider APIs every 6 hours. How we collect and rank quotes.
What is the cheapest way to send HKD to THB?
Sending HK$5,000 from Hong Kong to Thailand. Sorted by best value — most money received.
Source: SendMoneyCompare · Data updated every 6 hours from live provider APIs
#ProviderRateFeeRecipient getsSend
Rate 4.1726·Fee HK$29.50·0.59% markup
Rate 4.1676·Fee HK$35.50·0.71% markup
4
HSBC HK
1-3 business days
฿19,979.35
recipient gets
Rate 4.0954·Fee HK$121.50·2.43% markup
6
OCBC Wing Hang Bank
1-3 business days
฿19,649.00
recipient gets
Rate 4.0614·Fee HK$162.00·3.24% markup
7
Hang Seng
1-3 business days
฿19,361.70
recipient gets
Rate 4.0316·Fee HK$197.50·3.95% markup
8
Bank of East Asia
1-3 business days
฿19,204.79
recipient gets
Rate 4.0152·Fee HK$217.00·4.34% markup
Rate 4.0056·Fee HK$228.50·4.57% markup
Rate 4.1638·Fee Free·0.80% markup
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Sending money from Hong Kong to Thailand? Compare real-time exchange rates and fees across leading money transfer services. Find the provider that gives you the best THB amount today.
Whether you're supporting family in Thailand or paying for business services, finding the cheapest way to send money from Hong Kong matters. Exchange rate markups and transfer fees add up — especially on regular transfers. Our real-time comparison helps you cut costs by showing the exact amount your recipient gets from each provider.
Which provider offers the best HKD to THB rate?
InstaReM
4.1Exchange rate
4.1726
Fee
HK$29.50
Recipient gets
฿20,740.01
Speed
1-3 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → THB
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
Bitkub
HashKey → Stellar (USDC) → Bitkub · ~5 seconds
20,902 THB
0.32% all-in
+
Bitkub
HashKey → Stellar (USDC) → Bitkub · ~5 seconds
20,902 THB
0.32% all-in
- 1HashKey HKD→USDC: 0.12%
- 2Stellar network: 0.000001 USDC
- 3Bitkub: 0.03% spread
- 4100 THB withdrawal fee
Also routable via Stellar (USDC), Solana (USDC), Polygon (USDC), Arbitrum (USDC).
Source: Bitkub Public API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
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Example alert
HKD → THB · cheapest just changed
Sending 1,000 HKD today? The cheapest provider on this corridor changed overnight — same money in, more THB out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/hong-kong-to-thailand
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
Thu 16:40Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Hong Kong to Thailand route.
Cheapest transfer
InstaReM
Delivers the most THB for your money
Fastest transfer
PayPal
Delivers in Instant to 3 days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Thailand
How to send money to Thailand
Sending money to Thailandis straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much HKD you want to send, compare providers above, and pick the one offering the best THB amount for your transfer to Thailand.
Step 2
Add your recipient
Enter your recipient's details in Thailand — you'll need their bank account number. Most providers verify details instantly.
Step 3
Send & track your transfer
Pay using bank transfer, debit card, or credit card. Track your money in real-time until it arrives — bank deposit typically takes 1–2 business days.
What you need to send money to Thailand
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full name as registered with their Thai bank account
Bank account number
10-digit Thai bank account number
Example: 1234567890
Bank name
Name of the recipient's bank (e.g. Bangkok Bank, Kasikornbank)
PromptPay ID
OptionalThai national ID number or mobile number registered with PromptPay for instant transfers
Example: 0812345678
Note: Thailand does not use the IBAN system. Bank transfers require a 10-digit account number and the bank name. PromptPay, Thailand's national real-time payment system, allows transfers using just a mobile number or national ID — most Thai banks support it.
Transfer examples: HKD to THB
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
InstaReM
4.17 · 1-3 business days
Western Union
4.17 · 1 business day
Wise
4.16 · 1-2 business days
HSBC HK
4.10 · 1-3 business days
OFX
4.08 · 1-3 business days
OCBC Wing Hang Bank
4.06 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$2.954.17฿2,0741-3 business days
Western UnionHK$3.554.17฿2,0691 business day
WiseHK$4.404.16฿2,0621-2 business days
HSBC HKHK$12.154.10฿1,9981-3 business days
OFXHK$13.604.08฿1,9861-3 business days
OCBC Wing Hang BankHK$16.204.06฿1,9651-3 business days
Send HK$1,000
ProviderFeeReceives
InstaReM
4.17 · 1-3 business days
Western Union
4.17 · 1 business day
Wise
4.16 · 1-2 business days
HSBC HK
4.10 · 1-3 business days
OFX
4.08 · 1-3 business days
OCBC Wing Hang Bank
4.06 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$5.904.17฿4,1481-3 business days
Western UnionHK$7.104.17฿4,1381 business day
WiseHK$8.804.16฿4,1241-2 business days
HSBC HKHK$24.304.10฿3,9961-3 business days
OFXHK$27.204.08฿3,9721-3 business days
OCBC Wing Hang BankHK$32.404.06฿3,9301-3 business days
Send HK$5,000
ProviderFeeReceives
InstaReM
4.17 · 1-3 business days
Western Union
4.17 · 1 business day
Wise
4.16 · 1-2 business days
HSBC HK
4.10 · 1-3 business days
OFX
4.08 · 1-3 business days
OCBC Wing Hang Bank
4.06 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$29.504.17฿20,7401-3 business days
Western UnionHK$35.504.17฿20,6901 business day
WiseHK$44.004.16฿20,6191-2 business days
HSBC HKHK$121.504.10฿19,9791-3 business days
OFXHK$136.004.08฿19,8611-3 business days
OCBC Wing Hang BankHK$162.004.06฿19,6491-3 business days
How much does it cost to send money from Hong Kong to Thailand?
Transfer fees from Hong Kong to Thailand vary by provider. Specialist services charge HK$0–10 per transfer, while banks charge HK$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total THB your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically HK$0–HK$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (4.1974).
Ways to send money to Thailand
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
PromptPay has become the dominant payment method in Thailand, processing billions of transactions annually. Bank deposit remains reliable for larger amounts, while cash pickup is available at thousands of locations including 7-Eleven stores.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Thailand?
Your recipient in Thailand can receive money through these delivery methods. The best option depends on their location and preferences.
Bank Deposit
1–2 business days
Direct transfer to any Thai bank account. The standard method for recipients with bank accounts.
WiseRemitlyWorldRemitWestern Union+1 more
PromptPay
Minutes
Instant transfer via Thailand's national real-time payment system using mobile number or Thai national ID.
WiseRemitly
Cash Pickup
Minutes
Collect cash from agent locations across Thailand including 7-Eleven stores, banks, and money transfer outlets.
Western UnionMoneyGramRia Money Transfer
What are the transfer limits and regulations for Thailand?
Important rules and requirements to know before sending money to Thailand.
Regulatory body
Bank of Thailand (BOT)
Inbound transfer limits
Incoming transfers over $50,000 equivalent must be reported to the Bank of Thailand
Documentation you may need
- Sender's government-issued photo ID
- Proof of purpose for transfers over $50,000 equivalent
- Recipient may need Thai ID for cash pickup
Important things to know
- Thailand has strict foreign exchange controls administered by the Bank of Thailand.
- Recipients must convert incoming foreign currency to THB within 360 days of receipt.
- Transfers for investment or property purchase require additional documentation.
- PromptPay is linked to the national ID system and is widely adopted across all age groups.
How long does it take to send money to Thailand?
Most transfers from Hong Kong to Thailand arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Thailand for a small premium.
FastExpress delivery
- PayPalInstant to 3 days
Standard delivery
- InstaReM1-3 business days
- Western Union1 business day
- Wise1-2 business days
- HSBC HK1-3 business days
- OFX1-3 business days
Popular banks in Thailand
These are the most commonly used banks for receiving international transfers in Thailand.
BankSWIFT/BICNotes
Bangkok Bank
BKKBTHBK
Kasikornbank (KBank)
KASITHBK
Siam Commercial Bank (SCB)
SICOTHBK
Krung Thai Bank
KRTHTHBK
Bank of Ayudhya (Krungsri)
AYUDTHBK
TMBThanachart Bank (ttb)
TMBKTHBK
Frequently asked questions
Common questions about sending money from Hong Kong to Thailand
What is the cheapest way to send money from Hong Kong to Thailand?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Hong Kong to Thailand?
Most specialist providers deliver to Thailand within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send HK$5,000 from Hong Kong to Thailand?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much THB your recipient would receive from a HK$5,000 transfer today.
Can I send money from Hong Kong to Thailand online?
Yes, all the providers we compare support online transfers from Hong Kong to Thailand. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Thailand?
Money transfer services are almost always cheaper. Banks typically charge HK$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge HK$0–10 with markups under 1%, saving you significantly on every transfer to Thailand.
More for this corridor
Everything about sending money to Thailand
Recipient requirements, delivery methods, regulations, popular banks, and more.
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