Send Money Internationally from Thailand

Thailand is home to African students and graduates, remote workers invoicing clients abroad, and professionals paid in US dollars, all of whom need money to reach people and suppliers in other countries. Grey gives you a US dollar account from Lead Bank to receive that income, then converts it when you send to Nigeria, the Philippines, Ghana, Kenya, India, the UK and more than eighty countries besides. The rate and the fee appear on the confirmation screen before anything leaves your balance.

THB

Send money internationally

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Send from the dollars you already hold in Thailand

People who send money out of Thailand with Grey earn in US dollars rather than in local money. African students, graduates and professionals in Bangkok, Chiang Mai and Phuket make up the largest part of it, sending to family in Nigeria, Ghana and Kenya. Alongside them sit freelancers and remote workers who invoice clients abroad, professionals resident here on a foreign payroll, and Thailand-based companies paying suppliers and contractors in other countries.

Grey works from a US dollar balance and only from a US dollar balance. The Grey USD account is provided by Lead Bank and carries US routing and account numbers, so an employer, a client or a payment platform abroad can pay you straight into it. You can also wire dollars in from another bank, or draw on dollars already sitting in Grey. When you decide to send, those dollars are converted into the currency your recipient uses, at a rate you read before you confirm.

Nobody at the other end needs Grey. They are credited in their own currency, in the bank account or mobile wallet they already use, and the payment reads as an ordinary local credit rather than something they must queue to collect. More than eighty countries are covered from Thailand, so one balance pays a parent in Lagos, a sibling in Accra and a supplier in Mumbai.

Sign up

Open a Grey account from your phone in a few minutes and verify yourself with a passport or another accepted photo identity document. Grey Inc is registered with FinCEN, registered address 651 N Broad St, Suite 206, Middletown, DE 19709, United States.

Fund

Your Grey USD account comes with US routing and account numbers issued through Lead Bank. Give them to whoever pays you, or move dollars across by wire from another bank that holds a dollar account in your name. Every transfer out of Thailand is paid from that dollar balance.

Send

Choose the country you are sending to and enter the account or wallet details that destination asks for. The app sets the amount your recipient will receive, the rate and the fee side by side, and the rate is held from the moment you confirm.

Ways to get dollars into Grey

Three routes fund a Grey balance in Thailand, and all three are dollar routes. Which one suits you depends on how your income arrives.

Paid directly by clients or an employer

Hand your Grey USD routing and account numbers to the company or platform that pays you. Invoices and salary then settle into Grey itself, which is how most remote workers and expatriate professionals here keep a balance ready to send from.

A dollar wire from another bank

You can also wire US dollars in from a dollar account you hold at another bank, using the numbers shown in the app. That fits income which lands somewhere else first and is brought across in larger amounts, less often.

Dollars already in your Grey balance

A balance you are already holding is ready to convert, so a transfer can leave the same minute you open the app. Many senders keep a working balance for exactly that reason.

What it costs to send money out of Thailand

A fee on its own tells you very little. Services that charge nothing visible often price their margin into the exchange rate, so the money leaves your balance intact and arrives smaller at the other end. The charge is still being made, it is simply not labelled as one.

Compare on the delivered amount. Put the same dollar figure through Grey and through Wise, Remitly or whichever service you are weighing up, then read what each one commits to paying into the recipient account. Read that way, one figure captures the visible fee and the hidden margin at once.

Cost also varies by destination, because the last leg differs. Money reaching a mobile wallet in Ghana or Kenya travels a different path from sterling paid into a British bank, and each route carries its own pricing. The app quotes the particular transfer you are about to make rather than an average.

On repeated transfers a margin you cannot see is charged every time. School fees each term, monthly support for a parent, a supplier invoice settled on the same date each month: the same route is used again and again, and a small difference per transfer mounts up over a year.

Where money goes from Thailand

Grey reaches more than eighty countries from your dollar balance, and the routes used most from Thailand fall into three groups.

Nigeria, Ghana, Kenya, Tanzania, Uganda, Rwanda, South Africa, Egypt, Morocco, Senegal, Cameroon and Cote d'Ivoire among others, paid into local bank accounts or into mobile wallets, depending on which the country runs on.

Nigeria

Nigeria is the busiest destination on this route, carried by Nigerian students, graduates and professionals living in Bangkok, Chiang Mai and Phuket. Naira goes to GTBank, Access Bank, Zenith Bank, UBA, First Bank, Sterling Bank, Fidelity Bank or FCMB, with the 10-digit NUBAN and the bank name as the only requirement. Payments settle over NIBSS, the network Nigerian banks use between themselves, and typically arrive within minutes from a funded dollar balance.

The Philippines, India, Indonesia, Malaysia, Bangladesh, China and Saudi Arabia, reached through the bank accounts, wallets and payment networks each of those countries uses domestically.

Philippines

The Philippines is the other route featured here, used by residents supporting family there and by businesses in Thailand paying Filipino contractors and freelancers. Pesos reach BDO, BPI, Metrobank, UnionBank, Landbank and PNB on the account number and the bank name, or land in a GCash or Maya wallet on the mobile number it is registered to. Either way the credit behaves like a domestic payment and is ready to spend on arrival.

The Philippines, India, Indonesia, Malaysia, Bangladesh, China and Saudi Arabia, reached through the bank accounts, wallets and payment networks each of those countries uses domestically.

Every destination has its own page setting out the banks, the details required and what to expect on that particular route. Select the country in the app and Grey asks for the details that country needs, and nothing else.

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Best way to send money from Thailand

If cost is what matters

Judge a provider by the amount delivered, not by the fee it advertises. Both parts of Grey's pricing are visible before you confirm, which lets you put the delivered figure beside a quote from another service for the same dollars.

If speed is what matters

Keep your dollar balance funded in advance. Most routes out of Thailand complete within minutes once the dollars are already in Grey, while a correspondent bank wire still counts in business days.

If you need more than transfers

Grey holds balances in USD, GBP, EUR and NGN, issues a virtual card for paying online, and moves money between Grey users instantly through GreyTag.

Registered with FinCEN

Grey Inc is registered with FinCEN, registered address 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer runs under the obligations that apply to a registered money services business in the United States.

Send money from Thailand to other countries

More than eighty destinations are supported from Thailand, and the same dollar balance funds all of them. Africa, South and Southeast Asia, Europe, the Middle East and the Americas are covered, each through the banks, wallets and payment networks that country actually uses.

The account does more than move money abroad. Balances in USD, GBP, EUR and NGN sit alongside a virtual card for paying online, and GreyTag moves money between Grey users instantly and at no cost.

Ghana is reached through MTN Mobile Money, Vodafone Cash and AirtelTigo on a registered mobile number, which is how most households on this route are paid. Grey also pays major Ghanaian banks, where the cedis post as a standard domestic credit.

Kenya runs on M-Pesa. Send to a registered Safaricom number and the shillings typically reach the wallet in under a minute, ready to spend or withdraw. Equity Bank, KCB Bank, Co-operative Bank, NCBA and Standard Chartered Kenya take bank payouts.

India takes either an account number with the branch IFSC code or a UPI ID. SBI, HDFC Bank, ICICI Bank, Axis Bank, Punjab National Bank, Bank of Baroda and Kotak Mahindra Bank are all reachable, and UPI payments arrive through Google Pay, PhonePe or Paytm.

The UK needs a sort code and account number, or an IBAN. Sterling reaches Barclays, HSBC UK, Lloyds Bank, NatWest, Santander UK and the app based banks over Faster Payments, typically within minutes of a funded balance.

FAQs

Can I send money to a Thai bank account?

Yes. Grey supports direct THB payouts to all major Thai banks. Minimum 10 THB, maximum 49,999 THB per transaction.

How much does it cost to send money to Thailand with Grey?

A flat $1.80 per transfer, regardless of the amount. No percentage markups and no hidden fees in the exchange rate. You'll see the live rate before you confirm.

Can I pay Thai freelancers and contractors through Grey?

Yes. Grey is built for recurring contractor payments. Pay your Thai developers, designers, and freelancers directly in THB, on the same flat $1.80 fee every time.

Is Grey a legitimate way to send money to Thailand?

Yes. Grey is a regulated financial technology company used by over two million people across 80+ countries. We work with licensed banking partners, use two-factor authentication on every transfer, and are regulated by FINTRAC in Canada and FinCEN in the US.

What happens if my transfer is delayed?

Occasional delays can happen on the receiving side, especially during local bank processing windows. You'll see status updates in the Grey app, and our support team is available in-app if anything needs sorting. If a transfer fails, your money is returned to your Grey account.

What documents do I need to sign up?

A government-issued ID (passport, driver's license, or national ID) and a phone number for verification. Most accounts are verified the same day.

Which countries can I send THB from?

Grey supports sending to Thailand from the UK, US, UAE, Canada, Singapore, and several other countries across the globe. You can sign up from anywhere Grey is available and start sending immediately.

Can my family or team in Thailand send money to me abroad?

Yes. Grey supports two-way transfers, so a contractor or family member in Thailand can send money to a client or relative living abroad at the same flat fee.

Is Grey safe?

Transfers are protected with strict KYC verification, and two-factor authentication. Every payout is tracked end-to-end. You'll know exactly when the money lands, and so will the person receiving it. If you have any questions, our support team is one tap away.

How much does it cost to send money from Thailand?

It depends on the destination. Grey shows the exchange rate, the fee and the amount your recipient receives before you confirm any transfer.

How long do transfers from Thailand take?

Most routes complete within minutes once your dollar balance is funded, though delivery varies by destination and by the payment network used locally.

What details do I need from my recipient?

Whatever their country uses: a NUBAN in Nigeria, an IFSC code or UPI ID in India, a sort code in the UK, a registered mobile number for wallets.

Which countries and banks can I reach from Thailand?

More than eighty countries. Grey pays major banks such as GTBank, BDO, SBI and Barclays, and wallets including M-Pesa, MTN Mobile Money and GCash.

Is there a limit on how much I can send?

Limits that apply to your account appear in the app before you confirm, so you see them at the point of sending rather than afterwards.

Can I follow a transfer after sending it?

Yes. Every transfer carries a status in the Grey app, from the moment you confirm until the money reaches the recipient account or wallet.

Is Grey safe to use from Thailand?

Grey Inc is registered with FinCEN in the United States. Balances and transfers are encrypted, and verification is required before an account can send money.

How do I fund my Grey account in Thailand?

Your Grey USD account from Lead Bank receives client or salary payments directly. You can also wire dollars in from another bank or use an existing balance.

Does my recipient need a Grey account?

No. A local bank account or mobile wallet is enough. They never register with Grey, download anything, or collect the money in person.

Will I have a record of my transfers?

Yes. Each transfer is recorded in the app with its date, amount and destination, which you can match against invoices or household budgets. Grey gives no tax advice.

What if I enter the wrong recipient details?

Check the account name shown on the confirmation screen before you send. If a payment has already gone out wrongly addressed, report it in the app immediately.