Whether you're buying a holiday condo in Phuket, paying for medical treatment at Bumrungrad in Bangkok, retiring to Chiang Mai, or supporting family in Thailand — SummitFX gets your US dollars to Thai baht at a real rate, with same-day delivery typical when funds reach us before our cutoff.
How the US dollar has moved against the Thai baht over recent weeks, months, and years. Use the tabs to switch between time horizons. The live dot shows where the market is right now.
Type in either box — enter a USD amount to see what you'd receive in Thailand in Thai baht, or enter the Thai baht amount you need and we'll show how many US dollars it costs. Calculated at the live mid-market rate shown above.
Note: The rate shown is the live mid-market rate. Your actual executable rate includes a small spread — typically 0.5–0.9% at SummitFX vs 2–4% at a US or Thai high street bank. We'll always show the full breakdown before you book.
US-to-Thailand is a meaningful corridor — driven by Thai property purchases, family ties, business invoicing, and migration. Common reasons our clients send money this way:
American buyers acquiring property in Phuket, Pattaya, Hua Hin, Bangkok, and Koh Samui. Note Thailand prohibits non-Thai citizens from owning land outright; condominium ownership is permitted up to 49% of any building's total area, with leasehold structures common for villas. Your Thai lawyer will guide you through what applies.
Thai-American families sending USD to family in Thailand, and Thai students at US universities receiving family support. Standing arrangements smooth out recurring monthly transfers.
American retirees relocating to Thailand under the retirement visa (O-A or longer-term routes) for lower-cost retirement, particularly in Chiang Mai, Phuket, and Hua Hin. Recurring monthly transfers to fund living costs suit standing arrangements; larger one-off moves (purchasing condo, healthcare prepayment) suit forward contracts.
American patients travelling to Bangkok for medical treatment at Bumrungrad International, Bangkok Hospital, Samitivej, and other leading Thai private hospitals. Treatment costs run a fraction of US prices for comparable procedures (cardiac surgery, orthopaedic replacement, dental, fertility, aesthetic). Bulk pre-payments suit forward contracts.
American visitors and tour operators paying Thai hotels, resorts, and travel agents — particularly in Phuket, Koh Samui, Bangkok, and Chiang Mai. Bulk pre-payments suit forward contracts.
American holiday-home owners in Thailand paying common-area fees, sinking-fund contributions, utilities, and maintenance — or repatriating Thai rental income back to US accounts.
US businesses paying Thai suppliers across hospitality, food and beverage, automotive components, and tourism partnerships. Treasury teams use forwards to hedge predictable USD-THB exposure.
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Read our reviews on Feefo →USD/THB trades on Federal Reserve versus Bank of Thailand dynamics, plus Thai tourism receipts, trade flows, and EM Asia risk sentiment. Both currencies move on their own central-bank policy, economic data, and global risk sentiment.
Federal Reserve policy: The FOMC sets the federal funds rate. FOMC decisions, the dot plot, the quarterly Summary of Economic Projections, and Chair Jerome Powell's commentary are the most important scheduled USD events.
US CPI & PCE inflation: The Fed targets 2% inflation as measured by Core PCE, but US CPI prints are also closely watched as a more timely indicator. CPI surprises move USD sharply.
US economic data: Non-farm payrolls (the most-watched data release in global markets), US GDP, retail sales, ISM PMIs, and FOMC member speeches all feed Fed expectations and move USD globally.
Risk sentiment & the dollar smile: USD has the unusual property of strengthening both when the US economy outperforms (rate-driven) and during global risk-off (safe-haven flows). USD therefore moves on US data, US politics, and broader global risk sentiment.
Bank of Thailand policy: The BoT sets monetary policy for the Thai economy. Decisions, statements from Governor Sethaput Suthiwartnarueput, and changes in policy direction are the biggest scheduled THB events.
Thai CPI inflation: Thai CPI is the BoT's primary inflation reference, with a 1-3% target. Thailand has historically run low inflation.
Tourism, exports, and US-Asia flows: Thailand is heavily tourism-dependent and a major manufactured-goods exporter. Tourist arrivals, trade balance, and broader USD-Asia flows all drive THB.
Political stability & capital flows: THB can be sensitive to Thai political developments and broader emerging-Asia risk flows.
The US-Thailand corridor is shaped by US tourism (Thailand is consistently among the top Asian destinations for American visitors), medical tourism (Bangkok's leading private hospitals — Bumrungrad International, Bangkok Hospital, Samitivej — serve substantial American patient flows for orthopaedics, cardiology, dental, and aesthetic procedures), American retirees (Thailand's retirement-visa regime is widely used by Americans seeking lower-cost retirement abroad, particularly in Chiang Mai and Phuket), and a meaningful Thai-American community. Thai property in Phuket, Pattaya, Hua Hin, and Bangkok has a real US buyer flow, though Thailand prohibits non-Thai citizens from owning land outright (condominium ownership is permitted up to 49% of any building's total area).
USD funds reach us via Fedwire (same-day for larger amounts) or ACH (1-2 business days, lower-cost for retail amounts). Once converted, THB settles into your Thai recipient account via SWIFT message to your beneficiary bank, with onward Thai-domestic settlement via BAHTNET. Bangkok Bank, Kasikornbank, Siam Commercial Bank (SCB), Krungthai Bank and TMBThanachart (ttb) all support inbound THB payments in full.
The most common reasons US-to-Thailand transfers slip past same-day:
ACH instead of Fedwire. ACH is cheaper but takes 1-2 business days to settle. If timing matters, send via Fedwire — same-day reach to us, then same-day THB settlement onward.
Time-zone gap. Our cutoff is 14:00 UK time, which is 9:00 AM ET (or 6:00 AM PT). For West Coast clients, that's an early morning send. Plan accordingly or book the prior business day.
OFAC and AML review. The US has the strictest sanctions-screening regime in the world. First-time large transfers, transfers to new beneficiary relationships, or transfers where the destination country has any OFAC sensitivity can be held briefly for review. Standard delays are 30 minutes to two hours.
Thai bank holidays. Thai bank holidays differ from US Federal Reserve holidays. Trades booked when Thai banks are closed will settle on the next Thai business day.
You can convert US dollars to Thai baht through your bank, through a transfer app, or through a broker. US-Thailand is a corridor where the difference between options is meaningful — US banks tend to mark up USD/THB aggressively for retail customers.
Everything clients typically ask about sending US dollars to Thailand. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
USD/THB trades on Federal Reserve versus Bank of Thailand dynamics, plus Thai tourism receipts, trade flows, and EM Asia risk sentiment. The Federal Reserve's policy stance, BoT policy, and broader economic and political developments all feed into the rate.
We never forecast — but the chart above puts today's rate in context. Rate alerts let you set a target level and wait passively rather than guessing on macro. For larger transfers (property, business invoices, relocation budgets), forward contracts protect against adverse moves.
US banks typically mark up USD/THB by 2-4% for retail customers — sometimes more for non-major-currency transfers. SummitFX spreads are 0.5-0.9% depending on size — meaningful savings, particularly on larger property, business, or relocation transfers. We're FCA-regulated in the UK and serve US clients via international wire.
If your USD arrives with us by 14:00 UK time on a UK business day, we settle the THB the same day via SWIFT to a Thai bank. THB typically lands in your beneficiary's Thai account within hours of leaving us. Most US clients send funds via Fedwire which arrives same-day; ACH typically takes 1-2 business days, so plan timing accordingly.
Yes. If you know an upcoming Thai property completion date, scheduled business invoice, tuition payment, or relocation budget, a forward contract fixes today's rate for delivery on a future date. You pay a deposit (typically 5-10% of the trade) upfront and settle the balance at delivery.
No hard minimum — we handle trades from $1,000 to $20m+. For recurring smaller payments (monthly family support, mortgage payments, scheduled obligations), market orders or standing arrangements work better than ad-hoc bookings.
The rate shown on Google, XE, or in our chart above is the mid-market rate — the midpoint of interbank buy and sell quotes. Nobody actually transacts at this rate; providers add a margin. Banks typically 2-4%, transfer apps 0.7-1.0%, SummitFX 0.5-0.9% — with our clients also getting a named dealer and WhatsApp access.
Yes — US-to-Thailand property purchases are common, particularly for condos in Phuket, Bangkok, Pattaya, and Hua Hin. Note Thailand prohibits non-Thai citizens from owning land outright; condominium ownership is permitted up to 49% of any building's total area. Your Thai lawyer will guide you through what applies. We coordinate timing accordingly; forward contracts protect deal economics during the 4-8 week conveyancing window.
Message us on WhatsApp and we'll have a live USD/THB rate back in seconds.