Sending money from Australia to Thailand: the payments stack

By Polynopsis team · Last updated 29 October 2026

What it costs to send AUD 200

The World Bank surveyed 19 services sending from Australia to Thailand from 19 August 2025 to 25 August 2025. The average total cost, fees plus the FX margin, was 4.2% of the amount sent; money transfer operators averaged 3.68% and banks 6.14%. source

Bank and operator averages are worked out from the survey's provider types.

The send side: Australia

• Remittance service providers and virtual asset service providers must both enrol with AUSTRAC and apply for registration through AUSTRAC Online, and cannot start providing remittance or virtual asset services until AUSTRAC approves the registration. source
• AUSTRAC registers independent remittance dealers, remittance network providers, remittance network provider affiliates and virtual asset service providers; AUSTRAC can take up to 90 days to assess an application, and the 90 days restart when it asks for more information. source
• Registration lasts 3 years; a renewal can be lodged from 90 days before expiry, and a registration that is not renewed lapses and is removed from the register. source

Licences, sponsor banks, collections, ramps and KYC providers: sending from Australia.

The payout side: Thailand

Licensing, local banks, stablecoin ramps, FX and KYC in Thailand: launching payments in Thailand.

Payout rails in Thailand

Holiday gaps to plan for, to December 2027

Weekdays when one side of the corridor is closed. On the 8 dates when Australia is closed and Thailand is open, the payout balance has to already hold enough to cover them. On the 20 dates when Thailand is closed, instant rails may still pay out.

Full calendars: Australia and Thailand. Size the buffer with the corridor runway calculator.

Funding the corridor

• NPP payments settle in the Fast Settlement Service 24 hours a day on every day of the year, so AUD collections can arrive on weekends and holidays. source
• All other RITS settlement runs only on days when banks are open in Sydney or Melbourne, from 7:30 am to 10:00 pm AEST/AEDT, and closes on weekends and on New Year's Day, Australia Day, Good Friday, Easter Monday, Anzac Day, the King's Birthday, Christmas Day and Boxing Day where observed in NSW and Victoria. source
• Onshore banks must keep each non-resident's end-of-day balance at no more than THB 200 million across all its NRBAs (and separately its NRBSs) at onshore banks, and do not pay interest except on fixed NRBAs of six months or more, under rules effective 1 December 2025. source
• Non-residents providing cross-border payment services can join the NRQC scheme, which lifts the NRBA end-of-day limit and removes per-transaction supporting documents for baht transactions with onshore banks. source
• BAHTNET runs 9 hours a day, 5 days a week, so PromptPay obligations that clear after its window sit unsettled overnight, which the BOT puts at roughly THB 7.8 billion of settlement risk per night. The BOT plans a staged extension of BAHTNET hours towards 24/7. source

Running the corridor

Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Australia, the payout partners and banks in Thailand and any stablecoin in between. It warns before the Thailand balance runs dry, holidays included. See how it works.

Related corridors

• Australia to China
• Australia to India
• Australia to Indonesia
• Australia to Pakistan
• Australia to Philippines
• Australia to Sri Lanka
• Australia to Vietnam
• Australia to Zimbabwe
• Germany to Thailand
• Singapore to Thailand
• United Kingdom to Thailand
• United States to Thailand

Sources

1. World Bank, Remittance Prices Worldwide dataset · World Bank
2. RITS Business Hours · Reserve Bank of Australia
3. Public and Bank Holidays 2026 · Reserve Bank of Australia
4. Financial Institutions Holiday · Bank of Thailand
5. Notification of the Bank of Thailand No. 31/2568: financial institutions' holidays for 2026 · Bank of Thailand