Best Way to Send Money from Ireland to Thailand
Because banks shouldn't hide your money in spreads.
We expose the real cost of every transfer — the spread, the fees, the delivery time — and rank providers by what actually lands in your recipient's account. No sponsored ordering. Ever.
Which provider is cheapest to send money from Ireland to Thailand in 2026?
Hover any card to see exactly what it costs you.
How has the EUR/THB exchange rate changed recently?
vs Traditional Banks
You save up to THB 2800
on a EUR 900 transfer
Wise
BEST RATEBank of America
+5% markup + $35 wire fee
Wells Fargo
+4.5% markup + $25 wire fee
Sending euros from Ireland to Thailand is faster and cheaper than ever in 2026, but only if you avoid Irish high-street banks and their hidden exchange rate markups. This step-by-step guide walks you through choosing a digital provider, picking the right speed tier, and using Thailand's PromptPay system for instant delivery.
In Thailand, recipients can access funds directly at Bangkok Bank, the country's largest financial institution. By using Wise instead of a traditional bank wire, your recipient gets approximately 1,590 THB more on a $1,000 transfer — because digital providers pass the real exchange rate directly. Worth knowing about the local currency: every Thai baht note carries the portrait of King Bhumibol Adulyadej, whose 70-year reign was the longest of any head of state in history.
Our verdict: Compare the final THB delivered across Wise, Revolut, Remitly, and WorldRemit before every transfer — the cheapest provider changes weekly.
Step 1: Understand the EUR to THB Corridor
Before you send a single euro, get oriented. The Ireland-to-Thailand corridor is dominated by three groups: expats and retirees living long-term in Phuket, Chiang Mai, or Hua Hin; Irish residents supporting Thai family members; and property buyers funding condo purchases in Bangkok. Each group has different priorities — retirees care about monthly consistency, family senders care about speed and cost, and property buyers care about large-amount limits. Identify which bucket you fall into, because it determines which provider fits best.
Step 2: Decode the Real Cost — Markup vs Flat Fees
Open two browser tabs side by side. In one, check the mid-market EUR/THB rate on Google or XE. In the other, check the rate your provider is offering. The gap between them is the exchange rate markup, and this is where most of your money is quietly lost. A provider may advertise "zero fees" but bake a 3% markup into the rate, costing you €30 on a €1,000 transfer. Always calculate total cost as: flat fee + (mid-market rate − offered rate) × amount.
Step 3: Choose a Digital Provider Over a Bank
Skip your Irish high-street bank for this transfer. AIB, Bank of Ireland, and Permanent TSB typically apply exchange rate markups of 3–8% on top of fixed fees of €10–€25. Digital specialists do far better:
- Open accounts with Wise, Revolut, Remitly, and WorldRemit — all free to set up with a passport or Irish driving licence.
- Run the same transfer amount through each one and screenshot the final THB delivered.
- Pick the provider that delivers the most baht, not the one with the lowest advertised fee.
Wise typically wins on transparency, Revolut on speed if you already bank with them, and Remitly on promotional first-transfer rates.
Step 4: Pick Your Speed Tier
Each provider offers at least two speed options. Match the speed to the urgency:
- Use instant or express transfers (minutes to a few hours, slightly higher fee) when paying urgent rent, medical bills, or visa-related expenses in Thailand.
- Use economy or standard transfers (1–2 business days, lowest cost) for routine support payments, savings transfers, or anything not time-sensitive.
- Avoid sending late on a Friday Irish time — the transfer can sit idle over the weekend even on "instant" tiers because Thai banking cut-offs differ.
Step 5: Collect the Recipient's Delivery Details
Thailand offers a unique advantage here. The country's PromptPay system links Thai ID numbers (or Thai mobile numbers) directly to bank accounts, enabling real-time credit from international transfers without needing a full account number — your recipient just gives you their PromptPay ID. If your recipient prefers a traditional account number, ask which bank they use. The two largest receiving banks in Thailand are Bangkok Bank and Kasikorn Bank (KBank), and most digital providers can deliver directly to accounts at these banks with no intermediary delays. Confirm the exact account name in English characters as it appears on their Thai bank documents — even a missing initial can bounce the transfer.
Step 6: Handle Regulations and Documentation
Standard banking regulations apply for sending from Ireland to Thailand, meaning you'll need to provide ID verification on first use of any provider, and transfers above certain thresholds (typically €10,000 or equivalent) trigger source-of-funds questions under EU anti-money-laundering rules. Have a bank statement or payslip ready if you're sending a large sum. On the Thai side, your recipient may be asked the purpose of incoming funds for amounts that look like a property deposit.
Step 7: Time the Transfer Smartly
The EUR/THB rate moves daily, sometimes 1–2% within a week. Apply these timing tips:
- Set rate alerts on Wise or XE for your target rate — don't watch the screen, let the alert come to you.
- Avoid transferring during the first hour of the European trading session (around 8am Irish time) when spreads widen.
- For amounts over €5,000, split into two transfers a few days apart to average out rate volatility.
- Recurring monthly senders should set up scheduled transfers on the same calendar day to remove emotion from the decision.
Step 8: Verify and Keep Records
Once the transfer completes, ask your recipient to confirm receipt and screenshot the final THB amount. Save the provider's reference number for at least 12 months in case of any reconciliation question with Revenue or your bank.