Sending money from the United States to Thailand: the payments stack
Sending USD 200 from the United States to Thailand cost 7.47% of the amount on average in Q3 2025, across 27 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Thailand typically run over PromptPay, BAHTNET; between now and the end of 2027 there are 11 weekdays when banks in the United States are closed but Thailand keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 7.47% of USD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 4.97% across 23 services |
| Banks | 21.88% across 4 services |
| Collect in United States | FedNow Service, FedNow network limit, RTP network, Fedwire Funds Service, FedACH and Same Day ACH, Same Day ACH limit |
| Pay out in Thailand | PromptPay, BAHTNET |
What it costs to send USD 200
The World Bank surveyed 27 services sending from the United States to Thailand from 12 August 2025 to 20 August 2025. The average total cost, fees plus the FX margin, was 7.47% of the amount sent; money transfer operators averaged 4.97% and banks 21.88%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the United States
- With few exceptions, each money services business must register with the US Treasury through FinCEN by filing FinCEN Form 107 within 180 days of being established, and must renew the registration every two years; a business that is an MSB only because it acts as agent of another MSB does not register. source
- Money transmission is also licensed state by state. As of September 2026, 31 states have enacted the CSBS Money Transmission Modernization Act in full or in part, and money transmitters licensed in at least one adopting state account for 99% of reported money transmission activity. source
- The Money Transmission Modernization Act sets a minimum tangible net worth of the greater of US$100,000 or 3% of total assets for the first US$100 million, 2% of assets from US$100 million to US$1 billion and 0.5% of assets above US$1 billion, and encourages states to run licensing, surety bonds and reporting through NMLS. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the United States.
The payout side: Thailand
| Payout partner | What it does in Thailand | Source |
|---|---|---|
| Nium · our guide | Pays out THB to bank accounts in real time at PromptPay International enabled banks (including Bangkok Bank, Kasikorn Bank, Krung Thai Bank and Siam Commercial Bank) and same day to other banks through BAHTNET with a 14.30 local cut-off, up to THB 1,999,999 per transaction at Kasikorn Bank, Siam Commercial Bank, CIMB Thai and Bangkok Bank and below THB 500,000 elsewhere. | source |
| Airwallex | Local THB payouts over PromptPay with a flight time of 0 to 1 business days and a THB 500,000 transaction limit (THB 1,500,000 to KBank), plus SWIFT payouts in THB and 21 other currencies. | source |
| dLocal · our guide | Payouts V3 sends bank transfers in THB or USD for B2C, B2B and P2P flows, and instant wallet transfers to TrueMoney wallets by mobile number. | source |
| Thunes · our guide | Its pay network lists Thailand for bank account payouts. | source |
| TerraPay · our guide | Its network page lists Thailand among its Asia Pacific payout markets. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Thailand: launching payments in Thailand.
Payout rails in Thailand
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| PromptPay | National ITMX, overseen by the Bank of Thailand | Thailand's fast payment system, operating 24 hours a day every day including weekends and public holidays, with commercial banks as the main service providers. | source |
| BAHTNET | Bank of Thailand | Real-time gross settlement system for high-value baht transfers, with operating hours of 8.30 to 17.30 on every working day of financial institutions. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 11 dates when the United States 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.
| Date | United States | Thailand | What it means |
|---|---|---|---|
| Wed 11 Nov 2026 | Veterans Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Thu 26 Nov 2026 | Thanksgiving Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 7 Dec 2026 | Open | Substitution for 5 December (King Bhumibol's Birthday, National Day and Father's Day) | Thailand banks closed: only always-on rails pay out |
| Thu 10 Dec 2026 | Open | Constitution Day | Thailand banks closed: only always-on rails pay out |
| Fri 25 Dec 2026 | Christmas Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Thu 31 Dec 2026 | Open | New Year's Eve | Thailand banks closed: only always-on rails pay out |
| Fri 1 Jan 2027 | New Year's Day | New Year's Day | Both closed |
| Mon 18 Jan 2027 | Martin Luther King Jr. Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 15 Feb 2027 | Washington's Birthday (Presidents Day) | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 22 Feb 2027 | Open | Substitution for Makha Bucha Day | Thailand banks closed: only always-on rails pay out |
| Tue 6 Apr 2027 | Open | Chakri Memorial Day | Thailand banks closed: only always-on rails pay out |
| Tue 13 Apr 2027 | Open | Songkran Festival | Thailand banks closed: only always-on rails pay out |
| Wed 14 Apr 2027 | Open | Songkran Festival | Thailand banks closed: only always-on rails pay out |
| Thu 15 Apr 2027 | Open | Songkran Festival | Thailand banks closed: only always-on rails pay out |
| Mon 3 May 2027 | Open | Substitution for National Labour Day | Thailand banks closed: only always-on rails pay out |
| Tue 4 May 2027 | Open | Coronation Day | Thailand banks closed: only always-on rails pay out |
| Thu 20 May 2027 | Open | Visakha Bucha Day | Thailand banks closed: only always-on rails pay out |
| Mon 31 May 2027 | Memorial Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Thu 3 Jun 2027 | Open | HM Queen Suthida's Birthday | Thailand banks closed: only always-on rails pay out |
| Mon 5 Jul 2027 | Independence Day (observed) | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 19 Jul 2027 | Open | Substitution for Asarnha Bucha Day | Thailand banks closed: only always-on rails pay out |
| Wed 28 Jul 2027 | Open | HM King Maha Vajiralongkorn's Birthday | Thailand banks closed: only always-on rails pay out |
| Thu 12 Aug 2027 | Open | Birthday of HM Queen Sirikit The Queen Mother and Mother's Day | Thailand banks closed: only always-on rails pay out |
| Mon 6 Sep 2027 | Labor Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 11 Oct 2027 | Columbus Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Wed 13 Oct 2027 | Open | King Bhumibol Adulyadej Memorial Day (Navamindra Maharaj Day) | Thailand banks closed: only always-on rails pay out |
| Mon 25 Oct 2027 | Open | Substitution for Chulalongkorn Day | Thailand banks closed: only always-on rails pay out |
| Thu 11 Nov 2027 | Veterans Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Thu 25 Nov 2027 | Thanksgiving Day | Open | Prefund Thailand the day before: no funding from the United States, payouts continue |
| Mon 6 Dec 2027 | Open | Substitution for 5 December (King Bhumibol's Birthday, National Day and Father's Day) | Thailand banks closed: only always-on rails pay out |
| Fri 10 Dec 2027 | Open | Constitution Day | Thailand banks closed: only always-on rails pay out |
| Fri 31 Dec 2027 | Open | New Year's Eve | Thailand banks closed: only always-on rails pay out |
Full calendars: United States and Thailand. Size the buffer with the corridor runway calculator.
Funding the corridor
- Fedwire does not run on Saturdays, Sundays or Federal Reserve holidays; the Monday business day opens at 9:00 p.m. ET on Sunday and every business day closes at 7:00 p.m. ET, with customer transfers cut off at 6:45 p.m. ET. source
- Federal Reserve holidays in the rest of 2026 are Veterans Day (11 November), Thanksgiving (26 November) and Christmas (Friday 25 December); in 2027, Juneteenth (19 June) and Christmas (25 December) fall on Saturdays, so the Reserve Banks open on the Friday before. 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 United States, 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.
Frequently asked questions
How much does it cost to send money from the United States to Thailand?
The World Bank's survey put the average total cost of sending USD 200 at 7.47% in Q3 2025, across 27 services. Money transfer operators averaged 4.97%.
Which rails pay out in Thailand?
Local payouts run over PromptPay, BAHTNET.
When do I need to prefund Thailand payouts ahead of holidays?
Between now and December 2027 there are 11 weekdays when the United States is closed and Thailand is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holiday Schedules (Federal Reserve Banks, 2026 to 2030, plus FedACH holiday processing) · Federal Reserve Financial Services
- Fedwire Funds Service and National Settlement Service Operating Hours · Federal Reserve Financial Services
- Financial Institutions Holiday · Bank of Thailand
- Notification of the Bank of Thailand No. 31/2568: financial institutions' holidays for 2026 · Bank of Thailand
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator