Three situations, three sets of routes. One question decides which set is yours: is there a Thai bank account in your own name? Licensed Thai exchanges pay baht only into one.
The board
bakedBaked 2026-09-23; live figures replace these when the page reaches the rates service.
no Thai bank Visiting
A short stay opens no Thai bank account: Kasikornbank's published rules turn away visa exemption stamps and visas on arrival, and Binance TH's list of accepted visas leaves them out. The crypto has to become money somewhere that accepts a passport alone.
A crypto card
Needs: A card whose issuer serves your country of residence. On the issuers' own pages, ether.fi Cash and Wirex Pay list Thailand, and RedotPay's exclusion lists leave it out; the Cards exit has the rest.
Cost: The card's conversion and FX fees, its own ATM fee, and the Thai bank's fee on each withdrawal: 250 THB on a foreign Visa card, 350 THB on a foreign Mastercard.
Limits: The issuer's daily ATM and spending limits, and the ATM's own per-withdrawal cap.
Risk: The issuer holds the coins you load; an issuer can close cards by country with short notice.
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TouristDigiPay
Needs: Foreign visitors on a temporary stay only. A licensed Thai exchange paired with an e-money wallet.
Cost: Set by each operator.
Limits: Reported: 50,000 THB a month per person at small vendors, up to 500,000 THB a month at merchants that completed checks; no cash withdrawal. Bitkub announced it joined in August 2025. No SEC English release through September 2026 names an operator that has gone live, and in July 2026 the SEC listed a copycat site, touristdigipay.net, as unlicensed.
Risk: Copycat sites use the name.
Sell at home, spend a home card
Needs: An exchange and a bank account in your home country.
Cost: The home exchange's fee, your card's foreign-transaction fee, and the Thai ATM fee.
Limits: Your home bank's card limits.
Risk: Low; the money moves through regulated banks at both ends.
long stay Living here, unbanked
The same wall, for longer. Kasikornbank's published rules exclude the DTV; its accepted visas are Non-Immigrant visas with papers that match the purpose of stay. SCB's FAQ names a work permit. Bangkok Bank leaves it to the branch. No Bank of Thailand rule lists which visas a bank must accept.
A crypto card
Needs: A card whose issuer serves your country of residence. On the issuers' own pages, ether.fi Cash and Wirex Pay list Thailand, and RedotPay's exclusion lists leave it out; the Cards exit has the rest.
Cost: The card's conversion and FX fees, its own ATM fee, and the Thai bank's fee on each withdrawal: 250 THB on a foreign Visa card, 350 THB on a foreign Mastercard.
Limits: The issuer's limits.
Risk: Custodial issuer; country support changes.
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Wise, with a Thai address
Needs: A Wise personal account registered to a Thai address. Wise's help page says non-immigrant visas including the DTV are accepted for verification. Wise announced five Thai licences on 17 March 2026 and is rolling features out from August to October 2026.
Cost: Wise's conversion at the mid-market rate plus its fee, after the coins are sold on an exchange abroad.
Limits: Paying by Thai QR or PromptPay starts at 30,000 THB a day; receiving by PromptPay is capped at 10,000 THB a transaction. The Thai-address Wise card does not withdraw cash at ATMs in Thailand.
Risk: A rollout in progress: another Wise help page still says it has paused account details for customers in Thailand.
Open a Thai account first
Needs: A visa the bank accepts, in person at a branch: at Kasikornbank a Non-Immigrant visa plus purpose documents; at SCB a work permit. With the account, the Banked route below opens.
Cost: Free to open at most banks; branch practice varies.
Limits: Mobile-app transfers above 50,000 baht need a face scan matched to the passport on file.
Risk: None beyond the paperwork.
Sell abroad, bring the money in
Needs: An exchange and an account in another country, and a way to spend it here: a debit card, or a transfer service.
Cost: The foreign exchange's fee, the transfer or card fees, and the ATM fee.
Limits: Set by the foreign bank or service.
Risk: Tax: a Thai tax resident's foreign income is taxable in the year it is brought in, and the 2025–2029 exemption covers only licensed Thai platforms.
Selling to a person (P2P)
Needs: Someone who pays baht, in cash or into an account.
Cost: Whatever spread the two of you agree.
Limits: No Thai law bars a person from selling their own coins; buying and selling for others as a regular business needs an SEC licence, with no volume threshold stated.
Risk: The highest on this page. Baht from a buyer can be a scam victim's money, which gets the receiving account frozen across every Thai bank; lending an account for it is itself an offence.
Thai bank Banked here
With a Thai bank account in your own name, the licensed route opens: a Thai exchange takes the coins in and pays baht to that account. It is also the only route the 2025–2029 tax exemption covers.
A licensed Thai exchange, to your own account
Needs: KYC with your passport and visa papers. Binance TH lists the visas it accepts, and the DTV and visa exemption are not on it; other exchanges publish less.
Cost: The trading fee and the baht withdrawal fee; the calculator below uses published schedules.
Limits: Baht moves only through your own registered Thai account. The stablecoin cap above is a proposal.
Risk: Account holds when deposits come from third parties or look like mule activity.
A wire from abroad
Needs: Coins sold on an exchange abroad, and dollars wired to your Thai account.
Cost: The bank's buying rate, a median 0.5% below the interbank mid since 2018, plus sending and receiving fees.
Limits: The sending bank's.
Risk: Tax on foreign income brought in; keep the records that show when it was earned.
The calculator
One amount, each route's costs. Where a provider publishes a fee, its field starts there; a field at zero is one for you to fill. Every field can be changed.
The spread
Selling USDT on Bitkub has fetched a median +0.52% more baht than a dollar wired into a Thai bank at the banks' buying rate, over 2,852 days.[1][2]
Before sending
- Match the network at both ends. The deposit screen names the network it expects; pick that one in the sender's menu.
- Paste the address into the checker on Tools, then compare the first and last six characters with the source.
- Send a small test first, and wait for it to arrive.
- TON and XRP deposits to an exchange need the memo or destination tag the exchange gives you.
- USDT on Tron needs TRX in the sending wallet to pay the fee.
- Keep the date and baht value of each purchase and sale; tax residence and the exemption both turn on them.
Links marked ↗ are referral links: an account opened through one pays this site a commission from the provider, at no charge to the reader. Nothing here is advice about money.
Rule changes, by email
Thai limits, fees and paperwork move. The list carries notices when a rule on these pages changes.