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Hong Kong Dollar to Thai Baht exchange rates aren't all the same.

The total cost you are charged by your bank or foreign exchange provider consists of a margin from the interbank mid-rate plus fees. These margins and fees vary significantly for International Money Transfers and Travel Money transactions as shown below.


This resource page for the Hong Kong Dollar to Thai Baht exchange rate, has news, forecasts and HKD to THB comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. You can also check an exchange rate margin with our Exchange Rate Checker.

HKD/THB Exchange Rates - How to Compare & Save

Exchange rates can vary significantly depending on the transaction type (transfer, cash or card), currency pair and amount. The below table shows an example of total costs charged by FX specialists and banks for HKD/THB International Money Transfers. Costs are calculated against the current interbank mid-rate.


HKD to THB International Money Transfers


Foreign Transfer ProvidersReceive THB(฿)Exchange RateFee HKDTotal CostDeal Links
OFX logo
190,880 THB3.81760 for BER users (normally $15)3.1%
DBS Bank logo
188,871 THB3.7812504.12%
Banks - Average Rate
DBS Bank logo Citibank logo HSBC logo
186,844 THB3.7404555.15%
HSBC logo
186,276 THB3.7315$805.44%
Citibank International Money Transfers
Citibank logo
185,385 THB3.7086125.89%
OFX: Foreign Transfer HKD→THB
HKD amount:$50,000 HKD
Fee:0 for BER users (normally $15)
Exchange Rate:3.8176 (3.1% from mid-rate)
THB amount:190,880 THB
Total Cost:3.1%
Rate Fetched: Sat Aug 17 2019 00:16:31 GMT+0000 (UTC)
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
: 4.8/5.0

DBS Bank logoDBS Bank

DBS Bank: Foreign Transfer HKD→THB
HKD amount:$50,000 HKD
Exchange Rate:3.7812 (4.03% from mid-rate)
THB amount:188,871 THB
Total Cost:4.12%
2,009 THB less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0

Banks - Average Rate

Foreign Transfer HKD→THB
HKD amount:$50,000 HKD
Exchange Rate:3.7507 (4.8% from mid-rate)
THB amount:186,844 THB
Total Cost:5.15%
4,036 THB less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers


HSBC: Foreign Transfer HKD→THB
HKD amount:$50,000 HKD
Fee:$80 HKD (Minimum fee)
Exchange Rate:3.7315 (5.29% from mid-rate)
THB amount:186,276 THB
Total Cost:5.44%
4,604 THB less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0

Citibank logoCitibank

Citibank: Foreign Transfer HKD→THB
HKD amount:$50,000 HKD
Exchange Rate:3.7086 (5.87% from mid-rate)
THB amount:185,385 THB
Total Cost:5.89%
5,495 THB less than using OFX
Time:1:13 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
: /5.0
Snapshot 08/17/2019 - See full table

HKD to THB interbank exchange rate = 3.9398


Exchange Rate Checker

If you have been offered/charged an exchange rate then enter it below to check the true cost to the latest interbank mid-rate.


Compare savings on HKD/THB exchange rates

Foreign Transfers

Foreign Transfers Travel Money


HKD and THB in the Markets

When determining the best time to make a foreign exchange transaction, in this case the HKD vs THB, you should pay attention to the recent market trends for both currencies.


Hong Kong Dollar (HKD)

The Hong Kong dollar has gained value in 2019 despite a serious escalation in US-China trade tensions, mainly because the US dollar, to which HKD is pegged, is attracting safe-haven inflows. By May-17, against a basket of important currencies, HKD was worth 2 percent more year-to-date, and was only 0.5 percent away from making a 2-year high.

HKD was doing particularly well against the Australian dollar. It was, at the time of writing, valued 18 percent higher than 2018 lows against AUD and needed only a further 2.3 percent to reach a 10-year high. Though HKD was meeting significant resistance in mid-May at the 5.4 per AUD level, a break of this could spark significant appreciation.

Read more in the article HKD Forecasts.


Thai Baht (THB)

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.

Why can't I just get the HKD/THB market rate I see online or in the media?

The mid-rate is the rate you will see quoted online or the news. It is actually just the half-way point (hence mid-rate) between the last rate at which the HKD / THB was traded (bought or sold) in the international markets.

All foreign exchange providers charge a fee for providing their service and this fee is usually contained within the exchange rate margin (or difference to the mid-rate). Some providers such as Transferwise will quote you the mid-rate (or close to) and charge a separate percentage fee.

Getting a good market rate is mainly about timing however the transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.

Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.

We help you Compare & Save Money on Exchange Rates.


View all HKD Exchange Rates