SWIFT codes in Thailand
TH · THB
35 banks in Thailand, from KRUNG THAI BANK PUBLIC COMPANY LIMITED (KRTHTHBK) onward; every code carries TH as its country part.
Banks
35
SWIFT codes
3
Branches
10
Currency
THB
Banks and SWIFT codes in Thailand
BBANK OF AYUDHYA PUBLIC COMPANY LIMITED
| SWIFT/BIC | City |
|---|---|
AYUDTHBKXXX | BANGKOK |
KKASIKORNBANK PUBLIC COMPANY LIMITED
| SWIFT/BIC | City |
|---|---|
KASITHBKFMD | BANGKOK |
KASITHBKCUS | BANGKOK |
KASITHBKCMD | BANGKOK |
KASITHBKXXX | BANGKOK |
KKRUNG THAI BANK PUBLIC COMPANY LIMITED
| SWIFT/BIC | City |
|---|---|
KRTHTHBKXXX | BANGKOK |
KRTHTHBKKNM | BANGKOK |
KRTHTHBKVTN | BANGKOK |
KRTHTHBKPMP | BANGKOK |
KRTHTHBKSRP | BANGKOK |
Thailand SWIFT code questions
What does a Thailand SWIFT code look like?
KRTHTHBKXXX (KRUNG THAI BANK PUBLIC COMPANY LIMITED): bank KRTH, country TH, location BK, branch XXX.
What are the SWIFT codes for major Thai banks?
Key Thai bank SWIFT codes include: Bangkok Bank — BKKBTHBK, Kasikornbank (KBank) — KASITHBK, Siam Commercial Bank (SCB) — SICOTHBK, Bank of Ayudhya / Krungsri — AYUDTHBK, Krungthai Bank — KRTHTHBK, and TMBThanachart Bank (ttb) — TMBKTHBK.
Can PromptPay receive international transfers?
No. PromptPay is Thailand's domestic instant payment network linked to national ID numbers and phone numbers — it handles only baht transfers within Thailand and cannot receive international SWIFT payments. For international wire transfers, the sender must use the recipient bank's SWIFT code along with the full Thai bank account number.
How long does a SWIFT transfer to Thailand take?
SWIFT transfers to Thailand typically arrive within one to three business days. Transfers from major corridors such as the United States, Europe, and the Middle East generally settle within one to two business days at large banks like Bangkok Bank and Kasikornbank. Thailand's time zone (UTC+7) means transfers sent late in the US or European business day may not be processed by Thai banks until the following day.
What Bank of Thailand regulations apply to inbound international transfers?
Bank of Thailand regulations require that inbound foreign transfers above THB 50,000 equivalent be reported by the receiving bank via the Foreign Exchange Transaction Form (FET). The recipient may need to provide a statement of purpose to the bank (such as family remittance, business income, or property purchase). Transfers without a clear purpose can be delayed pending clarification.
Can I receive USD or EUR directly in a Thai bank account?
Yes. Major Thai banks offer foreign currency deposit accounts (บัญชีเงินฝากเงินตราต่างประเทศ) that allow receipt and holding of USD, EUR, GBP, and other currencies. If the recipient holds only a standard THB account, the bank will convert the incoming currency to THB at its buying rate on the settlement date. Using a foreign currency account avoids this automatic conversion.
Are there fees for receiving a SWIFT transfer in Thailand?
Thai banks typically charge an inbound wire fee of THB 200–500 per transaction. The currency conversion spread is an additional implicit cost. Bangkok Bank, which has a dedicated US branch and strong cross-border infrastructure, is often recommended for USD-to-THB transfers. Specialist remittance providers using local Thai payout networks can often deliver at lower total cost.
What information do I need to give the sender for a Thai bank transfer?
Provide the sender with: your bank's SWIFT code (8 characters), your full Thai bank account number (10–12 digits), your full name in English as registered with the bank, the bank's name and branch address, and the transfer purpose. Some Thai banks also ask for the recipient's address. For Bank of Thailand compliance, ensure the purpose is stated accurately in the payment reference.
How SWIFT works in Thailand
The Bank of Thailand (BOT) regulates international payments and foreign exchange. Domestic baht transfers use the PromptPay system — a real-time payment network linked to national ID numbers and phone numbers — but PromptPay cannot receive international SWIFT payments. For inbound international wires, Thailand's major banks require the sender to provide a SWIFT/BIC code plus the recipient's Thai bank account number.
- Thailand's four largest banks by SWIFT volume are Bangkok Bank (BKKBTHBK), Kasikornbank (KASITHBK), Siam Commercial Bank (SICOTHBK), and Bank of Ayudhya/Krungsri (AYUDTHBK). Bangkok Bank has the widest correspondent network and is particularly popular for inbound USD transfers from the United States.
- Bank of Thailand regulations require that inbound foreign transfers above THB 50,000 equivalent be reported via the Foreign Exchange Transaction Form (FET). The recipient's bank manages this reporting, but the sender should provide a clear payment purpose reference to avoid compliance delays. Medical treatment, education, tourism, and family remittance are common accepted purposes.
- The Thai baht (THB) is moderately convertible. Inbound USD, EUR, and other major currencies are converted to THB at the receiving bank's buying rate. Thai banks typically charge a transaction fee of around THB 200–500 for inbound international wires. Using a transfer provider with a local THB payout network can result in faster delivery and lower total cost.
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