🇺🇸 USD to THB 🇹🇭
Convert US Dollar (USD) to Thai Baht (THB) at the live mid-market exchange rate. Updated every hour from ECB-backed sources.
Common USD to THB amounts
About the USD to THB rate
The US Dollar (USD) to Thai Baht (THB) exchange rate fluctuates throughout the day based on currency market activity, central bank policy, and global economic conditions. The rates shown here reflect the mid-market rate — the midpoint between buy and sell prices that banks use to trade with each other. This is the rate you'll see on Google, XE, and Wise.
Important: When you actually exchange USD for THB at a bank, ATM, or currency exchange counter, you'll typically pay 2–4% above the mid-market rate. Credit cards add 1–3% as foreign transaction fees. Services like Wise, Charles Schwab debit, and no-foreign-fee cards minimize this markup.
How to get the best USD → THB rate
- Use a no-foreign-fee credit card like Chase Sapphire Preferred or Capital One Venture for purchases — typically 0–1% markup.
- Use a Charles Schwab debit card for ATM withdrawals — they refund all international ATM fees worldwide.
- Use Wise for international transfers — closest to mid-market with transparent flat fees ($1–10).
- Avoid airport currency exchanges — markups of 8–15% over mid-market.
- Always choose local currency when paying with a card abroad — never "Pay in USD" (Dynamic Currency Conversion costs 3–8% extra).
Frequently Asked Questions
What is 1 USD in THB?
The current mid-market rate for 1 USD to THB is shown live above. This is the rate banks use to trade with each other. When you exchange currency at a bank or ATM, expect a 2–4% markup on top of this rate.
What is the best rate to convert USD to THB?
For minimal markup: Wise transfer (0.4–1%), no-foreign-fee credit cards (0–1%), or Charles Schwab debit at an ATM (~0% with fee rebates). Avoid airport exchanges (8–15% markup) and hotel desks (5–10%).
Is the USD to THB rate the same everywhere?
The mid-market rate is universal — it's what Google, XE, Wise, and most converters show. But the rate you'll actually pay varies hugely by service: bank ATMs add 2–4%, credit cards add 1–3%, airport exchanges add 8–15%. Always check your actual transaction rate before committing.
How often does the USD to THB rate change?
The mid-market rate updates continuously throughout trading hours (24/5 forex market). Our converter refreshes every 60 minutes from currency-api with fallback to ECB-backed Frankfurter. For real-time tick-by-tick rates, check Bloomberg or your bank's forex platform.
Why is my bank's USD/THB rate different from this?
Banks build a margin of 2–4% into their quoted exchange rate (instead of charging a separate fee). The rate shown here is the mid-market baseline. To verify your bank's actual rate quality, compare it to the mid-market and calculate the percentage markup.
Can I convert USD to THB for free?
The conversion itself (this calculator) is free. But the actual exchange transaction always has some cost — typically built into the rate as a markup. Cheapest in practice: Wise (transparent flat fee) or Schwab debit ATM (0% markup, ATM fees rebated).