Send money from Kenya to Thailand
Africans go to Thailand for medical care, study and sourcing, and all three come with bills that a Grey card can pay. A sender in Nairobi hits the same wall. Local banks in Thailand won't take a direct KES transfer, and a dollar wire takes days and loses a slice on arrival. There's a faster route, and it runs through your recipient's own Grey account.
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Sending dollars to Thailand from Kenya
Grey doesn't pay out to Thai bank accounts in local currency, from Nairobi or anywhere else. What it does instead is often better for this corridor. Your recipient opens a free Grey account in Thailand. You send dollars to their GreyTag from Kenya. The money lands in seconds with no fee.
They spend it on a Grey virtual card anywhere Visa or Mastercard is accepted in Bangkok, hold it in USD, or convert to USDC and withdraw. Africans go to Thailand for medical care, study and sourcing, and all three come with bills that a Grey card can pay.
How sending to Thailand works
Sign up
You open Grey in Kenya with your national ID or passport. Your recipient opens Grey in Thailand with their passport or local ID. Both take a few minutes.
Fund
Add shillings from KCB, Equity, Co-operative Bank, NCBA or M-Pesa. The balance shows in the app straight away, ready to convert to USD when you need it.
Send
Two steps: convert shillings to dollars, then send to the recipient's GreyTag. The second step is free and lands in Bangkok in seconds.
What this route costs
Card payments in Bangkok convert at the point of sale. Your recipient sees the exact dollar amount deducted for each purchase, at Bumrungrad and Bangkok Hospital or a corner shop. You see the KES cost of what you sent from Nairobi.
Rate fixed at confirmation
The KES to USD rate you accept in Nairobi is the rate applied. Whatever happens afterwards, the dollar balance your recipient receives doesn't change.
For a monthly allowance in Bangkok, that means the same dollar figure every time.
Why a Grey-to-Grey transfer beats a wire here
A dollar wire from Nairobi to a bank in Bangkok takes days, attracts a receiving fee, and then converts at the bank's rate. A GreyTag transfer lands in seconds, costs nothing, and your recipient spends dollars directly at Bumrungrad and Bangkok Hospital or anywhere else. For anyone living in Thailand on money from abroad, the card is the bank.
What your recipient gets in Thailand
Dollars in their own Grey account, instantly, sent from Nairobi. They spend on a Grey virtual card at Bumrungrad and Bangkok Hospital, AIT, Assumption University and Chulalongkorn, shops, restaurants and online. They can also hold USD, EUR or GBP balances, or convert to USDC and withdraw to a wallet of their choice.
Grey virtual card
Rain Visa or Miden Mastercard, accepted across Bangkok and online.
Hold in dollars
Keep the balance in USD and spend as needed. No forced conversion.
Stablecoin withdrawal
Convert to USDC and withdraw to an external wallet when local cash is needed.
How to fund
Kenyans top up by M-Pesa or bank transfer from KCB, Equity or Co-operative Bank. Nairobi's dollar-earning tech and NGO workforce can send from USD directly. Convert to dollars, then the GreyTag step to Bangkok is free.
Top up once
Move a month's worth of shillings in and send to Bangkok as needed.
Earn in foreign currency?
Send from that balance and avoid a double conversion.
Convert on the due date
Hold shillings, convert to USD when the payment is actually due.
A monthly allowance to Bangkok is simplest with a standing balance and the recipient's GreyTag saved.
Who sends from Kenya to Thailand
Long-stay residents
Remote workers, retirees and teachers living in Thailand on income from abroad.
Travellers
Topping up your own Grey card before a trip so you spend dollars, not a marked-up local card.
Students
Allowances for students at AIT, Assumption, Chulalongkorn and Mahidol, spent by card.
Medical patients
Family topping up a relative's Grey balance during treatment in Bangkok.
Nairobi's tech and NGO workforce is paid in dollars, and Kenyans send abroad for study, trade and family. On this route it's mostly people supporting someone who's physically in Bangkok: students at AIT, Assumption University and Chulalongkorn, patients, posted staff and long-stay residents. All of them can hold a Grey account there.
Why Grey for Kenya to Thailand
Thailand isn't a bank-payout corridor for Grey, from Nairobi or anywhere else. It's a Grey-to-Grey corridor, and for students at AIT, Assumption University and Chulalongkorn, patients and posted staff in Bangkok that's the faster, cheaper option anyway.
Rate and fee shown before you convert in Nairobi. Dollars land in your recipient's Grey account in Bangkok instantly. No local bank payout on this route.
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