Personal FX Transfers
How British expats and property buyers move pounds to Thailand for less: choosing a provider, what fees and FX margins really cost, spot trades, forward contracts, limit orders and regular transfers.
explained
October 2026
in Thailand
Guides in this section
View all Foreign Exchange & Escrow guides →
Sending Money from the UK to Thailand
The best route for every size of transfer.
Read the guide →
International Transfer Fees and FX Margins
What moving money really costs, and how to pay less.
Read the guide →
Spot Foreign Exchange Transactions Explained
Converting today at today's rate — how spot trades work.
Read the guide →
Forward Currency Contracts Explained
Lock in a rate now for a payment later.
Read the guide →
Limit Orders and Stop-Loss FX Orders
Let the market come to your target rate.
Read the guide →
Recurring International Transfers to Thailand
Pensions, rent and school fees on autopilot.
Read the guide →Need Personalised Financial Advice?
Speak to our team for tailored guidance on travel money, banking and managing your finances in Thailand.
Insurance for Thailand
Get covered before you go — quotes for visitors, expats and businesses, arranged through our team.
Ways to Send Money to Thailand
The main routes from the UK to a Thai bank account, what each is best for and how the exchange rate is set.
Read the Sending Money Guide →| Provider | Type | Exchange rate | Best for | Extras | Read Guide |
|---|---|---|---|---|---|
| VVita Capital | FX specialist with a dedicated dealer | Competitive; account fees built into the rate | Property, relocation, larger sums | Forwards, limit orders, escrow | Read → |
| WWise | Online money transfer | Mid-market, fee from 0.43% | Everyday and regular transfers | Multicurrency account | Read → |
| XXe | Online money transfer | Includes a margin | A second quote | Rate alerts | Read → |
| BBangkok Bank London | Bank route | Bank's own rate | Bangkok Bank customers | Next-day credit in Thailand | Read → |
| UKUK bank SWIFT | Bank transfer | Reported margins 1%–3.55% | When nothing else fits | None | Read → |
Compiled October 2026 from Vita Capital's website, Wise's published fees and Wise's August 2026 comparison of UK bank margins. Vita Capital is JLIT's FX partner; quotes are arranged through our team.
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Practical, independent guides to help you make smarter financial decisions in Thailand.
A better rate, step by step
Frequently Asked Questions
View all FAQs →What is the cheapest way to send money from the UK to Thailand?
For everyday sums, an online provider such as Wise. For larger sums — property, relocations, savings — get a quote from an FX specialist such as Vita Capital as well; on big amounts, a better rate matters far more than the fee.
Who is Vita Capital?
A London-based foreign exchange and escrow specialist, with an office in Dubai, offering spot trades, forward contracts, limit orders and escrow. It is JLIT's FX partner, and we can arrange a quote for you.
What is a forward contract?
An agreement to exchange currency at a fixed rate on a future date — useful when you know you'll need baht later, for example to complete a property purchase.
What is a limit order?
An instruction to convert automatically when the exchange rate reaches a target you set, so you don't have to watch the market.
How much does a 1% better rate save?
On £10,000 it's £100; on £100,000 it's £1,000. On large transfers, the rate is the biggest cost.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we check every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account — this never changes the price you pay.
