Send Money from Thailand to Canada
Dollar earners living in Thailand use this route to reach relatives, landlords and universities in Canada, paying out of US dollars they already hold in Grey. Freelancers billing overseas clients and Thailand-based firms settling Canadian suppliers travel the same path. What arrives is Canadian dollars in a Canadian bank account, or an Interac e-Transfer to an email address or mobile number.
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Dollars held in Thailand, Canadian dollars in a Canadian account
Everyone on this corridor earns US dollars while living in Thailand. Nigerian, Ghanaian and Kenyan graduates in Bangkok with a sibling studying in Toronto, consultants in Chiang Mai paid by clients overseas, and expatriate staff in Phuket on a foreign payroll all have reasons to put money into Canada: tuition instalments, rent for a relative who has only just landed, or a share of a household budget in Calgary or Vancouver.
Grey works from the dollars you hold, never from local money. The Grey USD account behind your balance is provided by Lead Bank and carries US routing and account numbers, so clients, employers and payment platforms abroad can pay you into it directly. The Canadian dollars are bought from that balance at the moment you confirm the transfer.
Money reaches the recipient by one of two routes. A bank payout needs the transit number, the institution number and the account number, and the Canadian dollars post to that account directly at RBC or any other bank in Canada. An Interac e-Transfer needs only an email address or a mobile number. Nothing on this corridor involves a cash counter, an agent or a collection code.
How to send money to Canada from Thailand
Sign up
Install Grey, open your account from the phone in your hand, and complete identity checks with a passport or another accepted photo document. Grey Inc is registered with FinCEN, registered address 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Lead Bank provides the Grey USD account behind your balance, with US routing and account numbers you can hand to anyone who pays you. Dollars can also be wired in from a dollar account at another bank. Every Canadian payout is funded from that dollar balance.
Send
Choose Canada, then choose how the money should land: transit, institution and account number for a bank payout, or an email address or mobile number for Interac e-Transfer. Read the Canadian dollar figure, the rate and the fee, then confirm to hold them.
What a transfer to Canada costs
The advertised fee is only half of what a transfer costs. The other half is the margin folded into the exchange rate, which never appears as a line item. A provider promising nothing to send can still deliver fewer Canadian dollars than one charging openly.
Compare on the arrival figure. Run the same dollar amount through Grey and through Wise, Remitly or whichever rival you are weighing up, then read what each undertakes to put into the Canadian account. That single number already carries the fee and the margin together.
A correspondent bank wire refuses to be compared this way. Intermediary banks can take their own cut while the payment is in transit, so the amount credited in Toronto or Montreal need not match the amount agreed in Bangkok. Grey names the Canadian dollar figure before you confirm and pays that figure.
The gap matters most where the payment repeats. Tuition in instalments, monthly rent support and a standing contribution to a household are the same transfer sent again, and an invisible margin is charged on every one of them.
How the US dollar to Canadian dollar rate is fixed
Grey quotes the dollar to Canadian dollar rate before you commit and holds it from the moment you confirm. The market can move afterwards without changing what lands, because the Canadian dollar figure on your confirmation screen is the figure credited.
Starting from a dollar balance keeps the transfer to one conversion. Nothing has to be turned into dollars first, so there is a single rate and a single margin rather than two of each stacked on top of one another.
Holding the balance also lets you choose when to convert. Dollars in Grey stay dollars until you act on them, so a sender who follows the rate can wait for a level they are happier with before sending.
Grey against an ordinary bank wire to Canada
An international wire to Canada passes through correspondent banks, each with its own cut-off times and its own opportunity to deduct from the payment on the way. Grey instead pays the Canadian dollars into the account itself, or sends them by Interac e-Transfer, so the final leg runs on the rails Canadians already use between themselves.
The practical gain is certainty about what reaches the other end and where the payment has got to. Interac e-Transfer is immediate and runs on any day of the week, weekends included, and every payout carries a status in the app rather than needing a call to a branch for a wire reference.
What your recipient in Canada gets
Your recipient is paid in Canadian dollars at the bank they already use, or at the email address or mobile number their Interac is registered to. They sign up to nothing.
Bank account payouts
Enter the transit number, the institution number and the account number. The Canadian dollars post to that account directly, whether it sits at RBC or at any other bank in Canada.
Interac e-Transfer
Send to the recipient's email address or mobile number instead of their account details. Interac e-Transfer is immediate and runs on any day, weekends included.
GreyTag
If the person in Canada is also on Grey, pay their GreyTag. Transfers between Grey users settle instantly and cost nothing, in whichever currency you choose.
Funding a payment to Canada
Funding comes first, because Canadian dollars are bought out of dollars already in your Grey account. The route your dollars take in therefore decides how soon anyone in Canada can be paid.
Paid in by a client
Share your Grey USD account details once, and each later payment lands in Grey without you doing anything further.
Wired in from a bank
Use the routing and account numbers shown in the app to send dollars across from another bank holding a dollar account in your name.
Already in Grey
A dollar balance in place is ready to convert, so a payment can leave as soon as you have opened the app and checked the rate.
Keeping a working balance suits this corridor better than funding each payment on the day it is due. A tuition deadline in Ontario or a rent date in British Columbia rarely coincides with the day an invoice is settled, and dollars held in advance mean the Canadian dollars go when they are wanted.
Who sends money from Thailand to Canada
Families split between Thailand and Canada
Nigerian, Ghanaian and Kenyan graduates and professionals in Bangkok, Chiang Mai and Phuket supporting relatives who have settled in Canadian cities.
Freelancers invoicing abroad
Developers, designers and consultants resident in Thailand who bill overseas clients in dollars and move part of each payment on to Canada.
Expatriate staff on foreign payroll
Professionals living in Thailand but employed and paid in US dollars from elsewhere, sending a share of that salary to Canada each month.
Businesses paying Canadian suppliers
Thailand-based firms and agencies settling contractors, studios and suppliers in Canada, often in a batch on the same date each month.
Dollar income earned while living in Thailand is the common factor across this route. Africans with family who have moved to Canada lead it, alongside freelancers, expatriate professionals on a foreign payroll, and Thailand-based companies paying Canadian suppliers.
The best way to send money from Thailand to Canada
FAQs
How much does it cost to send money from Thailand to Canada?
The rate, the fee and the Canadian dollar total appear together before you confirm. Compare the arrival figure rather than the advertised fee.
How quickly does money reach Canada?
An Interac e-Transfer is immediate and goes through on any day, weekends included. Payouts to a bank account are tracked in the app until settlement.
What details do I need to send money to Canada?
For a bank payout, the transit, institution and account numbers. For Interac e-Transfer, only the recipient's email address or mobile number.
Which Canadian banks can Grey pay?
RBC and any other bank in Canada can be paid directly, with the Canadian dollars posted to the account you name in the app.
Does Grey cap what I can send to Canada?
Any limit on your account is displayed in the app before you confirm, so you meet it at the point of sending rather than afterwards.
Can I follow the transfer?
Yes. Every payment carries a status in the Grey app from confirmation until the Canadian dollars reach the recipient.
Is Grey safe to use for Canadian payments?
Grey Inc holds a FinCEN registration in the United States, payments are encrypted, and each transfer stays visible in the app until settlement.
How do I put money into Grey before sending to Canada?
Dollars only: payments from a client or employer into your Grey USD account, a wire from another bank, or your current balance.
Must my recipient in Canada sign up for Grey?
No. A Canadian bank account, or an email address or mobile number for Interac e-Transfer, is all that is needed.
Is each Canadian payment recorded anywhere?
Every transfer is stored in the app and can be matched to invoices, tuition bills or household budgets. Grey does not give tax advice.
What happens if the account details I typed are wrong?
Check what you have typed on the confirmation screen before sending. Where a payment has gone out to the wrong account, raise it in the app without delay.
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