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Cheapest Way to Send Money from Finland to Thailand

A live, no-nonsense comparison of what Finnish money-transfer providers actually deliver in Thailand — ranked by how many THB land in your recipient’s account, not by marketing claims.

Quick answer

Sending €1,000 from Finland to Thailand, the most you receive is THB 38,029 via Instarem. Wise ranks #3 of 20, delivering THB 37,895 — with the transparent mid-market rate and a small fixed fee.

Providers for sending €1,000 from Finland to Thailand, ranked by amount received
#	Provider	Fee	Rate	They receive
1	InstaremCheapest	€0.00	38.03	THB 38,029
2	Remitly	€1.49	38.04	THB 37,981
3	Wise	€9.46	38.26	THB 37,895
4	Moneygram	€2.99	37.88	THB 37,771
5	BNP Paribas	€0.00	37.76	THB 37,755
6	Western Union	€1.99	37.55	THB 37,476
7	BBVA	€6.00	37.32	THB 37,096
8	Xoom	€2.99	37.17	THB 37,054
9	WorldRemit	€1.99	37.12	THB 37,048
10	OFX	€10.00	37.38	THB 37,005
11	ABN AMRO Bank	€24.00	37.91	THB 36,999
12	Rabobank	€16.00	37.38	THB 36,779
13	La Banque Postale	€37.90	38.15	THB 36,707
14	Sparkasse	€15.00	37.25	THB 36,693
15	Commerzbank	€15.00	37.16	THB 36,606
16	LaCaixa	€27.00	37.34	THB 36,331
17	PayPal	€3.99	36.46	THB 36,316
18	ING Germany	€32.00	37.51	THB 36,305
19	Deutsche Bank	€36.55	37.49	THB 36,117
20	UniCredit	€41.50	37.51	THB 35,957

Comparing €1,000 · rates from Wise’s public Comparison API, refreshed hourly (as of August 2026). Figures are a benchmark; the exact amount depends on payment method and timing. The table is ordered purely by amount received. NordicExpat may earn a commission if you open a Wise account through our link, at no extra cost to you — it does not affect the ranking.

Send money home without the bank markup

Most Finnish banks add a 3–5% hidden margin on the exchange rate when you send money abroad. Wise uses the real mid-market rate with a small, transparent fee shown upfront — so more of your money actually arrives.

✓ Hold EUR, GBP and 40+ currencies in one account
✓ Get a euro IBAN the day you sign up — before your Finnish bank is open
✓ Wise debit card works in Finland and across the EU

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Frequently asked questions

What is the cheapest way to send money from Finland to Thailand?

On a transfer of €1,000, Instarem currently delivers the most in Thailand — THB 38,029. Wise ranks #3 of 20, using the mid-market exchange rate with a small transparent fee. Rankings are ordered purely by how much the recipient receives.

How much does it cost to send €1,000 from Finland to Thailand?

The cheapest provider (Instarem) charges a €0.00 fee and delivers THB 38,029. The difference between the best and worst provider on the same €1,000 can be several hundred rupees, so the provider you choose matters more than the headline "no fee" claims.

Is Wise cheaper than a Finnish bank for sending money to Thailand?

In this comparison, Wise delivers THB 37,895 versus THB 37,755 through BNP Paribas — a difference of THB 140 on €1,000. Banks usually build their margin into a worse exchange rate rather than a visible fee.

How often are these exchange rates updated?

The comparison is refreshed hourly from Wise’s public Comparison API, which publishes Wise’s own quote alongside competitors’ advertised fees and rates. Figures are a benchmark for guidance; the exact amount you receive depends on your payment method, the amount, and timing.

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