Do you often find yourself sending “pocket money” or “support for living expenses” to your Thai girlfriend or that special someone in Thailand? If you are still using traditional bank transfers, you are likely losing a significant amount of money.

International bank transfers are notorious for high fees, hidden markups on exchange rates, and slow processing times. You could be losing thousands of Yen (or dozens of Dollars) on every single transaction.

In this article, we’ll introduce the two essential tools for Thailand lovers: Revolut and Wise. These are the fastest, cheapest, and most reliable ways to send money today!

1. Why You Should Stop Using Traditional Banks

Sending money from a traditional bank to Thailand comes with heavy hidden costs:

  • High Transfer Fees: Often ranging from 2,0USD to 7,0USD.
  • Intermediary Bank Fees: Mysterious charges deducted before the money even arrives.
  • Poor Exchange Rates: Banks often use their own rates, making you lose nearly 1 THB per unit compared to the mid-market rate.

Don’t let the banks take the money meant for your girlfriend. Modern fintech services can reduce these costs to just a few hundred Yen.

2. Our Top 2 Recommended Services

① Wise: Speed and Reliability

Wise Money Transfer

Wise has an excellent track record for transfers to major Thai banks like Bangkok Bank, Kasikorn Bank, and SCB.

  • Pros: Incredibly fast. Sometimes the money arrives in her account within minutes.
  • Best For: When she needs the money “right now” or for sending larger, more formal amounts.

https://wise.com/invite/dic/masamichit45

② Revolut: Convenience and Low Fees for Small Amounts

Revolut Card and App

The app interface is sleek, and if you stay within the weekday limits, the exchange fees are practically unbeatable.

  • Pros: Minimal fees and a great card you can use yourself when visiting Thailand.
  • Best For: Casual, smaller transfers (e.g., 5,000 – 30,000 JPY) for gifts or dinner treats.

【Must Read】Using Revolut in Thailand
Did you know Revolut is also a lifesaver for withdrawing cash at Thai ATMs? Check out our detailed guide on how to get cash without extra fees at Aeon Bank ATMs!
→ Wise vs Revolut: Which is the Ultimate Winner for Overseas Transfers?(Jpanaese site)

3. Information You MUST Ask Her Before Sending

A single typo can lead to your money getting stuck or being charged a “refund fee.” Always ask her to send a photo of the front page of her bank book.

  1. Receiver’s Name (Alphabet): Must match her bank registration exactly.
  2. Bank Name: (e.g., Kasikorn Bank, Bangkok Bank, etc.)
  3. Account Number: Numbers only, no hyphens.
  4. Phone Number: Her Thai mobile number for SMS notifications.

4. Summary: Be the “Smart Man” She Can Trust

Instead of hesitating because of high bank fees, show her you are a “Smart Man” by using these efficient tools. It builds trust (and maybe a bit more love!) when the money arrives quickly and reliably.

Download the apps, try a small test transfer, and see the difference for yourself. It’s a game-changer for your next trip to Thailand too!

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