Changing THB to USD in Thailand: the cheapest way, and what the rest cost you
The spread takes 80.21 THB if you convert inside your account with TMBThanachart Bank (ttb), and 115.66 THB at Land and Houses Bank (LH Bank)'s banknote desk.
Same money, same day — a 35.44 THB difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
TMBThanachart Bank (ttb) | 80.21 THB | read from www.ttbbank.com |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
Land and Houses Bank (LH Bank) | 115.66 THB | read from www.lhbank.co.th |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 7 banks, cheapest first. The dearest takes 0.6% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Land and Houses Bank (LH Bank) own board | 33.1700 | 33.7200 | 115.66 THB |
| Read from the board this bank publishes at www.lhbank.co.th. | |||
| Government Savings Bank (GSB) own board | 32.3300 | 33.7900 | 156.85 THB |
| Read from the board this bank publishes at www.gsb.or.th. | |||
| Siam Commercial Bank (SCB) own board | 33.1600 | 33.8900 | 215.40 THB |
| Read from the board this bank publishes at www.scb.co.th. | |||
| Bank of Ayudhya (Krungsri) own board | 32.5200 | 33.9000 | 221.24 THB |
| Read from the board this bank publishes at www.krungsri.com. | |||
| Islamic Bank of Thailand (iBank) own board | 32.3700 | 33.9300 | 238.73 THB |
| Read from the board this bank publishes at www.ibank.co.th. | |||
| Krungthai Bank own board | 32.3700 | 33.9300 | 238.73 THB |
| Read from the board this bank publishes at exchangerate.krungthai.com. | |||
| United Overseas Bank (Thai) own board | 33.3600 | — | — |
| Read from the board this bank publishes at www.uob.co.th. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 8 banks, cheapest first. The dearest takes 0.6% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| TMBThanachart Bank (ttb) own board | 33.3600 | 33.6600 | 80.21 THB |
| Read from the board this bank publishes at www.ttbbank.com. | |||
| Land and Houses Bank (LH Bank) own board | 33.2700 | 33.7200 | 115.66 THB |
| Read from the board this bank publishes at www.lhbank.co.th. | |||
| Government Savings Bank (GSB) own board | 33.4300 | 33.7300 | 121.55 THB |
| Read from the board this bank publishes at www.gsb.or.th. | |||
| Siam Commercial Bank (SCB) own board | 33.4400 | 33.7400 | 127.45 THB |
| Read from the board this bank publishes at www.scb.co.th. | |||
| United Overseas Bank (Thai) own board | 33.4600 | 33.7600 | 139.22 THB |
| Read from the board this bank publishes at www.uob.co.th. | |||
| Islamic Bank of Thailand (iBank) own board | 33.4900 | 33.7900 | 156.85 THB |
| Read from the board this bank publishes at www.ibank.co.th. | |||
| Krungthai Bank own board | 33.4900 | 33.7900 | 156.85 THB |
| Read from the board this bank publishes at exchangerate.krungthai.com. | |||
| Bank of Ayudhya (Krungsri) own board | 33.3700 | 33.8700 | 203.72 THB |
| Read from the board this bank publishes at www.krungsri.com. | |||
Tell me when this changes
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Rates are THB per 1 USD; "costs you" is the part of your amount the spread absorbs, against 33.5250, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-10-12.