Send Money from Thailand to the United States
Dollars leave and dollars arrive on this route, so nothing is converted along the way. Freelancers and remote workers in Thailand paying American suppliers, expatriate professionals supporting family or a student in the United States, and Thailand-based businesses settling US contractors all send this way. The money is credited to the recipient's own US bank account from their routing number and account number.
THB
USD
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Dollars out of Thailand, dollars into a US bank account
The people using this route already hold US dollars while living or trading in Thailand. Consultants and developers in Bangkok invoicing American clients, expatriate staff in Chiang Mai or Phuket on a foreign payroll, parents paying a university bill in the United States, and companies registered in Thailand with American contractors on their books. None of them needs a currency changed, only a payment carried.
Two separate US accounts are involved, and it helps to keep them apart. The first is your own Grey USD account, provided by Lead Bank, which comes with US routing and account numbers so that clients, employers and platforms abroad can pay money into it. That is the account your income arrives in and the balance a transfer is sent from.
The second belongs to the person or business you are paying, at their own bank in the United States. You reach it over ACH with the routing number and the account number they give you, and those are different numbers from the ones attached to your Grey account. Chase, Bank of America, Wells Fargo and any other US bank can be credited this way, and the dollars post to the recipient's account at their own bank.
How to send money to the United States from Thailand
Sign up
Open a Grey account from your phone in a few minutes, verifying your identity 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
Your own Grey USD account, provided by Lead Bank, carries US routing and account numbers for receiving money. Share them with the client, employer or platform that pays you, or wire dollars in from a dollar account at another bank. Everything you send to the United States comes out of that balance.
Send
Choose the United States, then enter the recipient's ACH routing number and account number, which are not the numbers on your own Grey account. The amount and the fee appear before you confirm, and no conversion is applied to either.
What a dollar to dollar transfer to the United States costs
That makes the comparison unusually straightforward. Where a currency changes hands, a provider can advertise a small fee and recover far more in the rate, so the only reliable test is the amount actually delivered. Here nothing can be hidden in a rate, and a fee set beside another fee is a fair contest.
The exception worth watching is a correspondent bank wire. Intermediary banks in a wire chain can take charges from the principal as it passes, and the receiving bank may add an inbound fee of its own, so a dollar wire can land lighter than it left even though no currency was exchanged. Grey states the fee before you confirm and sends the amount shown.
A flat cost is also easier to plan around when payments repeat. A monthly payment to a contractor in Austin, a quarterly software bill or a termly invoice from a university costs the same each time, with no rate to watch and no margin accumulating in the background.
Why this route carries no exchange rate
No currency changes hands between your Grey balance and the recipient's account, so there is no rate to quote and nothing to fix at confirmation. You hold US dollars, the recipient is paid US dollars, and the figure you approve is the figure that posts to their account.
This is what separates the United States from most Grey destinations. A payment to a euro account or a mobile money wallet has a conversion in the middle, with a rate locked when you confirm, whereas a dollar to dollar payment skips that step altogether and leaves the fee as the only number to read.
A rate returns the moment you send somewhere else. The same dollar balance can pay a euro IBAN or a wallet in another country, and those transfers are quoted with a rate and a fee together, both held from the point of confirmation.
Grey set beside an ordinary bank wire to the United States
A wire sent to a US account passes through correspondent banks, each able to deduct a charge on the way and each applying its own cut-off times, which is why the amount credited can be smaller than the amount instructed. Grey sends over ACH, the network American banks use between themselves for account to account credits, and the amount confirmed is the amount that posts.
The details you have to collect are the ones any domestic American payment asks for: a routing number and an account number. From a funded Grey balance the dollars arrive in one to two business days, because ACH settles in batches on American business days, so an instruction given over a weekend begins on the next business day rather than the same afternoon.
What your recipient in the United States sees
The recipient is credited in US dollars at their own bank. Nothing is installed, no account is opened with Grey, and no collection is needed.
Which accounts receive it
Chase, Bank of America, Wells Fargo and any other US bank. You need the recipient's routing number and account number, which is what any American payment asks for.
How quickly it lands
From a funded Grey balance the dollars arrive in one to two business days. ACH settles in batches on American business days, so a weekend instruction starts on the next one.
GreyTag
Where the person you are paying is also a Grey user, send to their GreyTag instead. A payment to another Grey user goes through at once and costs nothing, in any currency.
Funding a payment to the United States
The dollars you send are dollars already held in Grey, so funding is simply a question of getting them there in time.
Income paid in directly
Once your clients or employer hold the Grey USD account details, later payments arrive with nothing more required from you.
Wiring dollars in
Dollars can be wired into Grey from another bank where you hold an account in your own name, using the numbers in the app.
Sending from a standing balance
A balance already in Grey goes out without a conversion step, which keeps a recurring supplier payment to a routine.
Because ACH runs on American business days, the funding step is what decides whether a payment makes a particular cut-off. Senders meeting a fixed date, a tuition deadline or a supplier term, keep dollars in Grey ahead of it rather than relying on an incoming payment landing the same week.
Who sends money from Thailand to the United States
Freelancers and remote workers
Developers, designers and consultants in Thailand who invoice clients abroad in dollars and pay American subcontractors, tools and suppliers from the same balance.
Expatriate professionals
People resident in Thailand on a foreign or US dollar payroll supporting relatives in the United States or keeping an American commitment funded.
Tuition and student costs
Parents and relatives paying a university billing office or sending living costs to a student in the United States, usually against a set deadline.
Businesses paying US contractors
Thailand-based companies settling American contractors, agencies and suppliers, often as several payouts released on the same day.
Everyone on this route earns or receives US dollars while based in Thailand: freelancers and remote workers, expatriate professionals, people paying tuition or supporting family, and businesses settling American suppliers.
The best way to send money from Thailand to the United States
A global money app you can actually trust
Every payment keeps its own record, with the amount sent, the fee charged and the date it settled, which is what a supplier dispute or a university query usually turns on. Support is reached inside the app against that record, so you are never describing a payment from memory.
FAQs
What does it cost to send money from Thailand to the United States?
Grey charges a fee shown before you confirm. There is no exchange rate on this route, so that fee is the entire cost.
Is there an exchange rate on this transfer?
No. You send US dollars and US dollars are paid out, so no conversion happens and no rate is applied at any point.
How long does the money take to reach a US account?
From a funded Grey balance, one to two business days. ACH settles in batches on American business days, so weekend instructions start the following one.
What details do I need to pay someone in the United States?
Their ACH routing number and their account number. These belong to the recipient's own bank and differ from your Grey account numbers.
Which US banks can Grey pay?
Chase, Bank of America, Wells Fargo and any other bank in the United States that accepts a payment by routing and account number.
Is there a limit on how much I can send?
Any limit on your account is shown in the app before you confirm, so you know it while the payment is being set up.
Can I track the transfer?
Yes. A status sits with each transfer in the Grey app, running from confirmation through to the dollars reaching the recipient's account.
Is Grey safe for payments to the United States?
Grey Inc holds a FinCEN registration in the United States, transfers are encrypted, and every payout is traceable in the app until settlement.
How do I fund the transfer from Thailand?
In US dollars: client or employer payments into your Grey USD account from Lead Bank, a dollar wire from another bank, or an existing balance.
Does my recipient need a Grey account?
No. A US bank account they can receive into is enough. They never sign up to Grey or install anything.
What if I enter the wrong account number?
Check the routing and account numbers on the confirmation screen before sending. Report a payment that has already left wrongly addressed in the app at once.
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