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Foreign Exchange Guide to Thailand

This currency guide to Thailand helps you choose the best way to save money on THB transfers and travel money.    [HKD/THB=3.8751]

Country Code:
Domestic Currency:
Thai Baht
Symbol - Code:
Telephone Prefix:

This is a foreign exchange guide to Thailand, the Thai Baht currency plus sending THB transfers and travel tips.

In this Thailand currency guide we take a look at :

  1. Thai Baht info - general info about the Thai Baht
  2. Thai Baht in the markets - recent THB moves and predictions from the FX markets
  3. Travelling in Thailand - currency & money saving tips
  4. Buying Thai Baht cash online - travel money for Thailand
  5. Sending money to Thailand - save on Thai Baht bank transfers to Thailand
  6. Thai Baht exchange rates - latest & historic exchange rates.

Thai Baht (THB) general currency information

What is the Thai Baht currency code and symbol?

The three letter currency code for the Thai Baht is THB and the symbol is ฿.

Which countries use the Thai Baht?

It is the domestic currency in Thailand.

The Thai baht is subdivided into 100 satang.

The baht is termed an ‘exotic’ currency, which means that there is far less participation in the market for baht than in the market for more established currencies, such as euros or U.S. dollars. For this reason, the price paid to change your money into or from baht (the price being equivalent to the market bid-ask spread) is far higher relative to the amount of money being changed than it would otherwise be.

Thailand’s central bank manage the baht’s value under a ‘managed float’ regime, which means that the bank will intervene at times in the foreign exchange market to reduce what it sees as excessive volatility in the currency and to maintain national competitiveness, i.e. the bank will at times weaken the currency to boost demand for Thailand’s exports.

As an exotic currency, the baht is considered riskier than currencies from major developed nations, which means that its value will fall against the FX majors (especially JPY, USD, CHF, GBP and EUR) during periods of economic uncertainty or when global geopolitical risk is elevated, or during bouts of high market volatility.

Historically, the baht’s lowest valuation against the US dollar came in January 1998 when USD/THB reached 55.50. It's all-time high occurred in July 1981 when USD/THB fell to just 20.36. Since 2005, USD/THB has traded between 28.56 and 42.19.

Thai Baht (THB) in the markets

Recent years have been extremely kind to the baht and 2019 has been no exception. Approaching mid-year, the baht rose to a 6-year high against the US dollar (฿30.66) and to a 10-year high against the Australian dollar (฿21.35), as well as to long-term highs against a host of other major currencies.

The baht is being supported by Thailand’s large current-account surplus and has benefited from speculation that Thai stocks will soon be assigned a larger weighting in the MSCI Emerging Markets index, which would result in significant amounts of foreign capital entering Thailand.

The team at TradingEconomics.com is expecting slight baht weakness over the coming year, with June-2020 forecasts for USD/THB and AUD/THB of 32 and 22 respectively.

The interactive chart below shows the HKD to THB exchange rate and trend for the previous 3 months:

HKD/THB 90-DAY TREND: At 3.8718 HKD to THB is trading near the average 3.8775 with a range 3.848 to 3.9144. There are no current alerts.
09 Dec, 2019 16:03-EST 21:03-GMT 08:03-AEDT(+1D)

Travel, Currency and Money saving tips for Thailand


In between the busy cities and scattered towns of Thailand is the rural heartland, which is a mix of rice paddies, tropical forests and villages living the farming lifestyle. In the north, the forests surround tall blue mountains scattered with shining waterfalls. In the south, scraggy limestone cliffs rise up from the cultivated landscape like ancient towers.

Travel tips for Thailand.

The official currency of Thailand is the Thai BAHT (pronounced - baaht). ATMs are everywhere and usually reliable, most Thai banks now charge a 200 baht fee per withdrawal when you use their ATMs with a foreign card.

Thailand is a very popular and safe place to travel to, but still always use common sense. Depending on the type of hotel, try not to leave credit cards, passports, and other valuables lying around your room when you are not there. Instead use the room safe, or the hotel main safe. If you want to store your cards there while out shopping (shopping is considered a national pastime) you could get a Travel Card before flying in to ease your mind.

Another good reason to get a Prepaid Travel Card is that credit card fraud exists in Thailand, as in any other country.  If you must pay by credit card, don't let your card out of your sight. Watch as its used, and double check the purchase amount and currency, before signing or entering your pin number.

Typical Thai beach scene

Be prepared to pay more than locals for many tourist attractions have two rates, where there can often be a rate for locals and a larger rate for tourists. Many tourists head to Thailand for its lovely beaches, just know that Thai beaches do not have lifeguards so try to stay in sight on other people, check all the signs, and avoid swimming on deserted beaches. Drink bottled water, its cold and cheap and since it can be hot all the time in Thailand have some on you at all times to avoid dehydration.

How do I travel in Thailand?

Taxis are available everywhere, just when getting in make sure the meter is set to THB 35 to avoid being made to pay extra.Getting around in Tuc-Tuc's is part of the experience but can get annoying as the driver may often try to take you to shops on the way. Just negotiate a fare before jumping in, don't pay until you arrive, and be prepared to jump out and take another one if they go to a shop and refuse to leave until you check it out or buy something.

Trains and buses to get around the country in Thailand can be an experience, but due to the travel times and budget, many recommend flying everywhere. Flights within Thailand are relatively cheap, and it may not be worth spending valuable vacation days traveling by bus or train. By way of example, the train from Chiang Mai to Bangkok is about 12 hours, and the train down to Phuket (close to Phuket, but then you have to take another bus) is another 8 hours, so it will take about 20 to 24 hours of travel time from Chiang Mai to Phuket. Or you can take a 2 hour direct flight on Thai Air Asia for less than $60.


Travel money for Thailand


Save money and time by Ordering your Thai Baht online from Travelex, you get better rates and can pick up the THB cash locally or even on travel day at the airport.

Another popular option is to use a Pre-paid Travel Card. Your Debit/Credit Card provider will charge you 2% from market mid-rate, but your bank may also charge an extra 3% as an “Overseas Transaction Charge” plus “Overseas ATM” fees for withdrawing cash.

For card purchases if offered a choice of currencies always select to Pay in Thai Baht otherwise you may get much worst exchange rates.


Thailand Trip Checklist    

  1. Compare THB travel cash rates - probably why you are here!
  2. Search Hotel deals - Save on your accomodation in Thailand
  3. Lonely Planet - world's best travel guide (coupon and deals)

Sending money to Thailand

When searching around for information on how to get a good exchange rate when sending money to Thailand you need to start with finding out the latest Thai Baht foreign-transfer exchange rate.

Then compare your bank's exchange rates to several licensed FX providers exchange rate and fees to see how much you can save (we make that calculation easy here).

Get a better deal for foreign transfers to Thailand

When sending money to Thailand it’s important to compare your bank’s rates & fees with those we have negotiated with our partner money transfer providers. To get a better deal you should follow these 4 simple steps :

  1. Open an account with a BER reviewed FX provider (id docs may be required)
  2. You specify the local or Thai Baht amount you want to transfer
  3. Make a local currency domestic transfer for the requested amount to the provider's bank account in your country
  4. Once your funds are received by the provider the converted THB amount will be transfered to the recipient account you specify in Thailand.

Use our Send to THB calculator to compare the exchange rates of FX specialist providers rates versus your bank's standard rates you can hopefully save around 5% and maybe more - end result is more Thai Baht deposited into the recipient bank account and less margins and fees kept by the banks!


HKD to THB International Money Transfers


Foreign Transfer ProvidersReceive THB(฿)Exchange RateFee HKDTotal CostDeal Links
WorldFirst logo
OFX logo
฿188,0703.76140 for BER users (normally $15)2.85%
DBS Bank logo
Banks - Average Rate
DBS Bank logo Citibank logo HSBC logo
HSBC logo
Citibank International Money Transfers
Citibank logo
WorldRemit logo
Your amount above the WorldRemit HKD2000 maximum
WorldFirst logo
WorldFirst: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Exchange Rate:3.8522 (0.5% from mid-rate)
To Amount (THB) ฿192,610
Total Cost:0.5%
Time:1:07 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
: 4.6/5.0
OFX logo
OFX: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Fee:0 for BER users (normally $15)
Exchange Rate:3.7614 (2.85% from mid-rate)
To Amount (THB) ฿188,070
Total Cost:2.85%
฿4,540 THB less than using WorldFirst
Rate Fetched: Tue Dec 10 2019 00:16:44 GMT+0000 (UTC)
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
: 4.8/5.0
DBS Bank logo
DBS Bank: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Exchange Rate:3.7257 (3.77% from mid-rate)
To Amount (THB) ฿186,099
Total Cost:3.86%
฿6,511 THB less than using WorldFirst
Time:1:07 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0
Banks - Average Rate
Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Exchange Rate:3.6955 (4.55% from mid-rate)
To Amount (THB) ฿184,100
Total Cost:4.9%
฿8,510 THB less than using WorldFirst
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
HSBC logo
HSBC: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Fee:HK$80 HKD (Minimum fee)
Exchange Rate:3.6767 (5.03% from mid-rate)
To Amount (THB) ฿183,541
Total Cost:5.19%
฿9,069 THB less than using WorldFirst
Time:1:07 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0
Citibank logo
Citibank: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Exchange Rate:3.6541 (5.62% from mid-rate)
To Amount (THB) ฿182,661
Total Cost:5.64%
฿9,949 THB less than using WorldFirst
Time:1:07 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0
WorldRemit logo
WorldRemit: Foreign Transfer HKD→THB
From Amount (HKD)HK$50,000
Transfer Speed:1 day
Services:Bank Transfers & Cash Pickup - Online only
: 4.5/5.0
Snapshot 12/10/2019 - See full table

THB/USD - Thai Baht to United States Dollar - Historical Rates

1 Day0.033009 Dec 2019
7 Day0.033003 Dec 2019
30 Day0.033010 Nov 2019
3 Month0.032711 Sep 2019
1 Year0.030410 Dec 2018
5 Year0.030511 Dec 2014
10 Year0.030212 Dec 2009

THB/EUR - Thai Baht to Euro - Historical Rates

1 Day0.029809 Dec 2019
7 Day0.029803 Dec 2019
30 Day0.029910 Nov 2019
3 Month0.029711 Sep 2019
1 Year0.026810 Dec 2018
5 Year0.024611 Dec 2014
10 Year0.020612 Dec 2009

THB/GBP - Thai Baht to British Pound Sterling - 10 Year History

1 Day0.025109 Dec 2019
7 Day0.025403 Dec 2019
30 Day0.025810 Nov 2019
3 Month0.026511 Sep 2019
1 Year0.024210 Dec 2018
5 Year0.019411 Dec 2014
10 Year0.018612 Dec 2009

THB/AUD - Thai Baht to Australian Dollar - Historical Rates

1 Day0.048309 Dec 2019
7 Day0.048203 Dec 2019
30 Day0.048110 Nov 2019
3 Month0.047611 Sep 2019
1 Year0.042310 Dec 2018
5 Year0.036811 Dec 2014
10 Year0.033112 Dec 2009

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