USD to THB

The USD/THB exchange rate: rate, costs and context

The page you are reading follows the price relationship between US Dollar (USD) and Thai Baht (THB) and sets it next to the cost of an actual conversion at a range of providers. As of October 30, 2026, 1 USD equals 33.7300 THB, while one THB comes to 0.029647 USD.

That headline number is the mid-market rate, sometimes called the interbank rate. It is the midpoint between the buying and selling prices on the wholesale market. Think of it as a neutral benchmark: nobody earns anything on it directly, so few consumer services pass it on unchanged.

The amount that lands in the other account depends on two things: a markup hidden in the exchange rate and the fee you see on the order screen. In the sections below we explain how those costs work, look at what a conversion costs in practice and give concrete ways to keep more of your money when you swap US Dollar for Thai Baht.

Tips for converting USD to THB

Judge on what arrives, not on what is advertised. A small fee on its own says little because the margin can make up the difference. The fairest figure to compare is how much THB arrives for your USD, and that already includes both the markup and the fee.

If you pay or withdraw cash in a THB country, you can get a choice between your own currency and the local one. That option is known as dynamic currency conversion, or DCC. The rate used is usually poor. Always opt to pay in the local currency and let your own card provider do the conversion.

Timing plays a role too. Rates quoted on a Saturday or Sunday can include a weekend surcharge. If you are not in a hurry, an alert tells you when the rate hits a level you are happy with. That avoids guessing, but the target may never be reached.

The payment method matters as well. A credit card may be treated as a cash advance by your card issuer, while a regular bank transfer to the provider is usually the cheapest way in. Sending less often but in larger amounts means fixed charges hit you fewer times.

The USD/THB rate over twelve months

Compared with a year ago, the price of USD in THB has changed by +3.92%. During that year the highest level was 33.8246 THB per USD, and the lowest was 30.9922. The current 33.7300 sits somewhere inside that range.

The spread between the year’s extremes shows how much the rate can move in practice. When you convert a substantial sum, the moment you choose can make a noticeable difference to what arrives, occasionally more than the difference between providers.

The rate reflects news, economic data and supply and demand on the market. We show the figures as they are and do not make predictions. If you want to act on a certain rate, a rate alert is a calmer option than trying to predict the market.

How we rank providers for USD to THB

We start from the live mid-market rate for USD/THB. Each provider’s published fee and markup are applied on top, which gives the amount the recipient receives. In total 9 providers are included, placed side by side.

Rates are refreshed every 30 minutes, and the date on the page shows when the data was last updated. The final price is always set by the provider itself, because their rate can move between our updates.

We are not owned by any provider. Some of the links are affiliate links, which help fund our work. That never changes the ranking: providers are sorted purely by how much THB the recipient gets.

Sending a larger amount from USD to THB

Only use providers that are regulated. A regulated provider is registered with a supervisor such as the FCA or your national central bank. Regulation includes rules on keeping your money apart from the company’s own, which protects you if something goes wrong.

Double-check the recipient details before you confirm. An international payment is hard to reverse once it is sent. Unexpected changes to payment details are a classic warning sign. Call to confirm, using contact details you already had.

Larger transfers often come with additional questions. Providers may ask for proof of where the money comes from, such as a payslip, sale agreement or bank statement. Some services offer better rates or a personal contact for larger transfers. Ask whether you can fix the rate in advance.

Where the cost of converting USD to THB hides

Nearly every bank and app will not give you the rate of 33.7300 itself. Instead they offer a rate that is a little less favourable and earn on the difference. This is known as the spread. A markup of 2%, for example, means that for every 100 USD you convert, about 2 USD worth disappears before the money arrives.

Besides the hidden margin, many providers add a visible fee. This is usually a fixed amount per transfer, a share of what you send or a mix of both. With international bank payments the receiving or intermediary bank sometimes deducts a charge too, so the recipient gets less than you expected.

Look twice at offers that say "no fees" or "0% commission". In many cases the margin in the rate simply does the work of the fee. The reliable test is the total amount that arrives in THB for an identical USD amount, and the comparison table on this page is ranked on exactly that.

A worked example with 1,000.00 USD

Consider a conversion of 1,000.00 USD. Using the reference rate of 33.7300, that marks the theoretical maximum of what any provider could deliver in THB. No service pays out that exact figure, because margins and fees come off first.

Of the 9 providers we compared, Wise came out cheapest for this amount: the recipient gets 33,563.07 THB after all costs. The difference between that figure and the mid-market amount is the real price of the transfer.

Keep in mind that a different amount can produce a different winner. Fixed fees weigh heavily on small sums, whereas the margin in the rate becomes the bigger cost on larger transfers. Try your actual amount in the calculator above for a ranking that fits your situation.

Delivery times and routes for THB transfers

A traditional bank sends your payment through SWIFT. The money can pass through one or more correspondent banks, sometimes taking a fee at each step. Expect anything from one to a few working days, and the exact cost is not always clear in advance.

Dedicated providers take another route. They keep money in accounts in both regions, so your USD stays in the USD system and the recipient is paid in THB from a local account. That is often faster and cheaper, and the amount that arrives is known in advance.

Delivery time depends on several factors: your payment method, cut-off times and public holidays on either side. The very first payment may be slower as the provider completes its checks. Get verified before you need to send when a deadline is involved.

Where US Dollar and Thai Baht are used

US Dollar is used in United States, Ecuador, El Salvador, Puerto Rico, Panama. Thai Baht is used in Thailand. This matters when you plan a trip, pay an invoice or send money to family.

People convert USD to THB for many reasons: moving abroad, studying, doing business or sending a gift. Each situation asks for something different: a single big transfer calls for the best rate, while frequent smaller payments are more sensitive to fixed fees.

The way money is paid out also differs per country. Depending on the country, you need an IBAN, a local account number or a mobile wallet and in certain countries mobile wallets or cash collection are widely used. Check which details the provider needs before you start.