Vita Capital at a glance

Vita Capital provides foreign exchange and payment services to private clients, businesses and institutions, with a dedicated specialist for each client. Private clients can make spot trades, fix a rate with forward contracts, set limit and stop-loss orders, automate regular payments and use escrow for property and high-value deals. Fees are built into the exchange rate, client funds are held in segregated accounts, and transfers of all sizes are handled. Our readers get quotes through our team.

Key facts

The essentials, from Vita Capital's own published information (October 2026).

Vita Capital's published information, checked 13 October 2026.

Services for private clients

What Vita Capital offers individuals — and when each is useful for a move to Thailand.

Vita Capital private clients information (October 2026).

How it works through JLIT

1. Tell us what you need using the enquiry form on this page — the amount, the purpose and the timing.
2. We introduce you to Vita Capital, passing on the details so you don't repeat yourself.
3. Open a free account. Registration is online and quick; identity and source-of-funds checks follow.
4. Talk to your specialist. They explain the rate and the options — spot, forward, limit order or escrow.
5. Agree the deal and send your pounds to the client account by the agreed deadline.
6. The money is paid to your Thai account, a seller, developer, school or lawyer, with a confirmation.

Going through our team costs you nothing extra. It means you start with someone who already knows what you're trying to do.

Vita Capital and the alternatives

Vita Capital is our number one for larger and planned transfers. For small, everyday sums, an app can be simpler.

How Vita Capital's pricing works

Vita Capital doesn't charge separate account fees. Its fees are included in the exchange rate it quotes, and it says there are no hidden charges. That's the norm for FX specialists, and it makes comparison simple: ask how many baht will arrive, and set that against your bank and an app.

• Rates are quoted, not published — your specialist gives you a live rate for your amount.
• Larger sums usually get keener pricing than small ones.
• Check the quote against the mid-market rate on your phone while it's live.
• Ask about every cost — including any receiving fees at the Thai end.

How your money is protected

When you send money through an FX specialist, the question that matters is where it sits between leaving your account and reaching Thailand. Vita Capital's answer:

• Client funds are held in segregated accounts, separate from the company's own money.
• Payments are processed through established payment partners — including Equals, Ebury and Currencycloud.
• Funds held on your behalf are protected if a business in the chain fails, under the safeguarding arrangements those partners operate.
• Identity and source-of-funds checks are carried out on every client — they take a little time, and they're part of what makes it safe.

What customers say

Vita Capital is rated 4.6 out of 5 on Trustpilot. The number of reviews is still modest, so treat it as an early picture rather than a final verdict. Customers most often mention the personal service of a named specialist and the rates on larger transfers. The point some note is that the account checks — identity and source of funds — can take a little time before the first transfer. That's worth knowing if you have a deadline: start the account a week or two before you need it.

Pros and cons

A worked example: a ฿6 million condo with Vita Capital

How a British buyer might use Vita Capital for a ฿6,000,000 resale condo completing in six months. Illustrative rates from ฿44.38 today.

Illustration only; forward rate from the interest-rate difference (UK 3.75%, Thailand 1.00%), before any margin. Your specialist quotes actual rates.

Regular payments

Vita Capital isn't only for one-off transfers. It can automate regular payments — an overseas mortgage, tuition fees, living costs — and fix the rate for the ones that are fixed in baht. For a family paying school fees three times a year, or a retiree sending money every month for the ฿65,000 income route, that means a payment that arrives on time, at a known cost, without remembering to send it. See recurring international transfers to Thailand.

From enquiry to first transfer

A typical sequence for a new client. Allow extra time if you have a fixed deadline.

General guidance. Start a week or two before any deadline.

Escrow with Vita Capital

As well as currency, Vita Capital offers escrow — funds held in regulated escrow accounts until agreed conditions are met — for property, business sales, trade and online deals. For an off-plan purchase or a business acquisition, that means the currency exchange and the protection of the payment can be planned with the same specialist. Our Escrow & Payment Security guides explain how it works, and the escrow services profile covers Vita Capital's escrow in more detail.

What to have ready

• Your passport, in date.
• Proof of address — UK or Thai.
• Source-of-funds evidence — a completion statement, savings statements or a pension letter.
• The amount and purpose of the transfer.
• When the money must arrive.
• The recipient's bank details — name, account number, bank and SWIFT code.
• Your sale contract, if it's a property purchase.
• Your UK bank's payment limits, so funding the trade isn't held up.

When an app is the better choice

We recommend Vita Capital first for anything significant, but we'd rather you used the right tool. If you're sending a few hundred pounds of spending money, paying a small bill, or topping up a Thai account from your phone, an app such as Wise is quick and cheap, and there's nothing to fix or protect. The moment a transfer is large, planned, linked to a property or business, or has a deadline attached, a specialist quote is worth having.

Our relationship with Vita Capital

We want to be clear about this. Just Landed in Thailand has a working relationship with Vita Capital, with terms of business in place. When you ask for a quote through our team, we introduce you and may receive a fee. That fee never changes the rate you're quoted, and you're free to compare Vita Capital's quote with any other provider before you decide. We recommend Vita Capital because of the specialist service and the tools it offers for exactly the kinds of transfer our readers make.

Who Vita Capital suits

Vita Capital, an app or your bank?

How Vita Capital compares with the other two common ways of sending money to Thailand.

Vita Capital's published information (October 2026); Wise's published fees; Wise (August 2026) for UK bank margins.

For businesses

Vita Capital also works with companies, which matters if you run a business in Thailand or trade between the UK and Thailand. Its corporate services include currency hedging and risk management, forward and structured FX contracts, limit and stop-loss execution, named collection and settlement accounts, and corporate escrow — each with a dedicated relationship manager.

Questions to ask your Vita Capital specialist

• How many baht will arrive for my pounds, after every cost?
• How far is the rate from mid-market right now?
• Should I convert now, fix a forward, or set a limit order?
• What deposit would a forward need?
• Can you pay the seller, developer or school directly?
• Can the money arrive in foreign currency for an FET form?
• What documents do you need from me, and how long do checks take?
• Can regular payments be automated?

Staying safe

Fraudsters impersonate well-known FX firms with fake websites, emails and calls. Protect yourself:

• Start through our enquiry form, so you know the introduction is genuine.
• Only pay the client account shown in your own account and trade confirmation.
• Never act on changed bank details by email — confirm by phone with your specialist.
• Use a private, protected connection when logging in from hotels and cafés.

How we compiled this profile

This profile is based on Vita Capital's own published information — its home page, private client, escrow and security of funds pages — and its Trustpilot profile, checked on 13 October 2026, with UK bank margins from Wise's August 2026 comparison. Where Vita Capital's own pages give different figures for its experience, we've used the more conservative one. We have a working relationship with Vita Capital and terms of business in place; we arrange introductions and may receive a fee, which never changes the rate you're quoted. This profile is general information, not financial advice.