ThailandTHBThai Baht
Baht for wintering in Thailand: cash in major cities (point list available from your manager) or to an account at a Thai bank. If you need a transfer from Russia - Bangkok Bank and Kasikorn accept SWIFT without additional requests. You submit an application, an ATM24 manager confirms the route within 15 minutes - then the money transfers automatically.
The route, the receiving bank and the payout amount are agreed before payment.
Winter residents, freelancers, tourists, and property owners are among the most common ATM24 clients for Thailand transfers. You can receive Thai baht as cash in Bangkok, Pattaya, and Phuket, or by transfer to an account at a Thai bank. Thailand has not imposed its own major financial sanctions against Russia, however Bangkok Bank, Kasikornbank (KBank), Siam Commercial Bank (SCB), and other Thai banks apply standard AML/KYC checks, so the ability to receive international transfers depends on the bank, amount, payment purpose, and correspondent bank. The national currency is Thai baht (THB). The Bank of Thailand uses a managed float regime, where THB value is primarily determined by the market. ATM24 fixes the RUB/THB rate before payment so that the amount you receive matches the agreed calculation.
For rent payments or condo fees, internal transfers to a Thai bank account are most commonly used. Deposits take from several minutes, and transfers typically require the bank name, account number, and recipient's full name in Latin characters. This method also works well for regular household expenses, service payments, and transfers within Thailand. International bank transfers are more often used for real estate purchases, such as payments to developers using official bank details; they additionally require SWIFT/BIC and other bank information, and processing takes several business days. For everyday expenses, cash THB is also available: withdrawals can be arranged the same day in available cities. ATM24 commission starts from 0.9%. Application review within 15 minutes. Minimum amount depends on the selected transfer method.
Thailand's payment ecosystem includes advanced banking apps, QR payments, and electronic wallets. PromptPay is the national instant transfer system within the country by phone number, national ID, or other linked identifier. PromptPay is not directly used to send money from Russia, but after funds are deposited to a Thai account, the recipient can transfer them within the country through this system. TrueMoney Wallet is one of Thailand's most well-known e-wallets from the CP Group ecosystem, used for domestic payments and top-ups through a partner network including 7-Eleven. DeepPocket is a Thai e-wallet from T2P with QR payments, e-wallet, prepaid Visa card, and international transfer capabilities; foreign users must complete identity verification. GrabPay is built into the Grab app and is used to pay for taxis, delivery, and other platform services.
Among banking apps, K PLUS from Kasikornbank, Krungthai NEXT from Krungthai Bank, and SCB EASY from Siam Commercial Bank are widely used. They support domestic transfers, PromptPay, QR payments, and other banking operations. Bangkok Bank, Kasikornbank (KBank), Siam Commercial Bank (SCB), Krungthai Bank (KTB), and Bank of Ayudhya (Krungsri) are Thailand's largest banks, handling both domestic and international transfers. Thailand is connected to the SWIFT system, but IBAN format is not used in the country. For international bank transfers, you typically need the bank's SWIFT/BIC, account number, recipient's full name, and bank or branch details. Regular bank branches typically operate Monday–Friday from approximately 8:30 to 15:30, while branches in major shopping centers may have evening and weekend hours. The financial regulator is the Bank of Thailand (BoT), which oversees the banking sector and payment infrastructure.
Visa and Mastercard cards from Bangkok Bank, Kasikorn, SCB, Krungthai. You need 16 card digits and cardholder's full name in Latin characters. THB deposit - confirmed with manager before payment
Accounts at Bangkok Bank (BKKBTHBK), KBank (KASITHBK), SCB (SICOTHBK), Krungthai (KRTHTHBK). Required: bank's SWIFT code, account number, recipient's full name in Latin characters - Thailand does not use IBAN. THB deposit time via SWIFT - 3-5 business days after ATM24 application confirmation
Thai baht cash withdrawal in major cities - check the list with your ATM24 manager. ATM24 application processing - 15 minutes, withdrawal on agreed date
To transfer to a bank account, you need the following details: SWIFT code of the receiving bank, THB account number, recipient's full name in Latin characters. IBAN is not used in Thailand. For amounts exceeding 50,000 THB, Bangkok Bank may request a document explaining the purpose of the transfer - an ATM24 manager will notify you in advance.
We accept RUB, USD, EUR and USDT — we pay out in THB
RUB THB
0.3528per 1 RUB
10 000 ₽ = 3 528 THBUSD THB
31.63per 1 USD
100 $ = 3 163 THBEUR THB
35.86per 1 EUR
100 € = 3 586 THBUSDT THB
31.63per 1 USDT
100 USDT = 3 163 THB| You send | Payout in THB |
|---|---|
| 100 USDT | 3 163 THB |
| 300 USDT | 9 490 THB |
| 500 USDT | 15 816 THB |
| 1 000 USDT | 31 632 THB |
| 5 000 USDT | 158 159 THB |
Where recipients usually get the money in Thailand
Thailand's largest private bank. SWIFT BKKBTHBK. Accepts incoming transfers in THB and USD through an extensive network of branches throughout the country.
Second largest bank by assets. SWIFT KASITHBK. Popular among expats and tourists, with advanced mobile banking.
State-owned bank, second by assets in Thailand. SWIFT KRTHTHBK. Extensive network, especially in provinces.
Thailand's oldest bank. SWIFT SICOTHBK. Extensive network throughout the country, accepts international transfers in THB.
Subsidiary of MUFG (Japan). SWIFT AYUDTHBK. Accepts international transfers, popular among businesses.
National currency
National currency is THB (Thai baht), ISO 4217 code - THB.
Card systems
PromptPay is the national instant transfer system for transfers by phone number or ID. Visa, Mastercard, and JCB are widely accepted at merchants. QR payment is supported under the Thai QR Code standard.
Payment apps
TrueMoney Wallet, GrabPay, SCB EASY, and K PLUS are leading mobile payment services. TrueMoney Wallet is integrated with PromptPay and allows money transfers by phone number. SCB EASY and K PLUS are mobile apps from major Thai banks.
Interbank transfers
PromptPay is used for instant domestic transfers (by phone number or ID). For international transfers - SWIFT. IBAN format is not used in Thailand: international transfers require the bank's SWIFT/BIC, account number, and recipient's full name.
Financial regulator
Financial regulator is the Bank of Thailand (BoT), the country's central bank, established in 1942. BoT regulates the banking sector and oversees AML/KYC procedures for incoming transfers.
Features for ATM24
For amounts from 50,000 THB, the likelihood of a request for documents on source of funds and payment purpose may be higher, however verification depends on the bank, route, and nature of the transaction.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
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Very good service, honestly I was afraid this might doesn't work, but its work, no need waiting even 24 hours for transportation money
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I needed dirhams in the UAE, contacted this company, they responded quickly, explained everything in detail, I withdrew money at the ATM with no problems Huge thanks to manager Anna
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've compiled answers to frequently asked questions about Thai baht, money in Thailand, and how to transfer rubles from Russia.
To send money to Thailand with payout in THB through ATM24, prepare the recipient bank, card or account details, and name spelling. ATM24 checks Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, or the selected route, then confirms fee from 0.9% and timing. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
In Thailand, a THB transfer can be checked for a Thai bank account, bank-issued card, or another available payout route. ATM24 reviews Bangkok Bank, Kasikornbank, Siam Commercial Bank, or Krungthai Bank details before payment. The selected bank decides which account or card information must be provided. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
THB transfers to Thailand can be checked through Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, and Bank of Ayudhya. ATM24 reviews card and account payout routes separately. The recipient bank is confirmed before the sender pays.
For a THB transfer to Thailand, ATM24 checks recipient name, Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card route, or account route. Thai bank details and card details may use different formats. The manager confirms the THB route before payment. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
A THB transfer to Thailand can start from 15 minutes when Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card payout, or account payout is ready. Recipient-name spelling and route limit can affect timing. ATM24 confirms the payout window before payment. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
The ATM24 fee for sending money to Thailand with payout in THB starts from 0.9% and is calculated before the sender pays. The final THB amount depends on the payment method, whether the recipient uses a card or account, and the Thai bank, such as Bangkok Bank or Kasikornbank. International-card issuer fees, bank-transfer fees, and currency conversion charges are separate from the ATM24 calculation. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
Yes, payment can be arranged by an available international card, bank transfer, USDT, or another confirmed method while the recipient receives THB in Thailand. ATM24 checks Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card payout, or account payout before payment. The THB amount is calculated separately from card-issuer, bank-transfer, or network costs. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
THB transfers to Thailand through ATM24 start from 100 USD or the equivalent. The upper limit depends on Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card payout, account payout, and document checks. The THB amount is confirmed before payment. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
For a large THB transfer to Thailand, ATM24 reviews Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card payout, or account payout. Sender ID, source-of-funds information, recipient-name spelling, and payment purpose may be needed. The manager confirms documents before payment. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
If the sender sends 1000 USD to Thailand, the THB amount depends on Bangkok Bank, Kasikornbank, Siam Commercial Bank, Krungthai Bank, card payout, or account payout: 31,631.72 THB. ATM24 calculates fee from 0.9% and exchange conditions before payment. The final THB amount is fixed in the request. Bank-route examples for Thailand: Bangkok Bank, Kasikornbank, SCB, Krungsri, and Krungthai Bank.
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