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🇹🇭 Sending to Thailand

TH · THA

THB

National format   SWIFT BIC required

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Required information

  • Account number

    10 digits typical for retail; up to 15 digits for some corporate/branch-encoded accounts

  • SWIFT BIC

    Beneficiary bank BIC (8 or 11 characters).

  • BOT 3-digit Bank Code (SMART/BAHTNET member code)

    3 numeric digits; e.g., 002=Bangkok Bank, 004=Kasikornbank, 006=Krung Thai, 011=TMB, 014=SCB, 001=Bank of Thailand

  • Purpose-of-payment code (mandatory)

    6-digit Bank of Thailand transaction purpose code (318xxx), BOT DMS Classification item 109

  • Beneficiary address

    Match the address template — partial addresses cause holds.

For your end users

Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.

Last reviewed by GIB compliance on 2026-05-21. Reference material only.

  • Currency

    THB

  • Typical settlement

    1-2 business days typical; longer for cross-border with FX or compliance review.

  • SWIFT BIC

    Required

  • Local clearing

    BAHTNET — Bank of Thailand Automated High-value Transfer Network

Account format

How beneficiary account numbers are structured for Thailand. Failure to match this format is the single most common reason wires are rejected at the destination.

Field Value
Format tier National format
Length 10 digits typical for retail; up to 15 digits for some corporate/branch-encoded accounts
Validation regex ^[0-9]{10,15}$
Example 1234567890

Routing identifiers

Which routing codes the wire-creation API call must include for Thailand.

Field Value
SWIFT BIC Required
BOT 3-digit Bank Code (SMART/BAHTNET member code) Required
Format 3 numeric digits; e.g., 002=Bangkok Bank, 004=Kasikornbank, 006=Krung Thai, 011=TMB, 014=SCB, 001=Bank of Thailand
Directory ↗ Source
Local clearing BAHTNET — Bank of Thailand Automated High-value Transfer Network

Address format

How Thailand expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.

  1. Recipient Full Name
  2. House Number + Street/Soi
  3. Sub-district (Khwaeng/Tambon)
  4. District (Khet/Amphoe)
  5. Province
  6. 5-digit Postal Code
  7. THAILAND
Field Value
Postal code Optional — validated against the format below when provided
Postal code regex ^[0-9]{5}$
Example Mr. Somchai Jaidee, 123 Sukhumvit Rd, Khlong Toei, Khlong Toei, Bangkok 10110, THAILAND

Purpose of payment

Put the country's own code in <Purp><Prtry> (purpose_code_proprietary). Requirement: Mandatory (confirmed) GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.

Field Value
Code format 6-digit Bank of Thailand transaction purpose code (318xxx), BOT DMS Classification item 109
Source ↗ J.P. Morgan Thailand codes, DMS 2025.01

Available codes:

6-digit BOT codes, e.g. 318219 goods, 318220 services, 318040 worker remittance, 318059 family support, 318062 foreign direct investment.

Remittance info

Extra content the regulator requires inside the free-text remittance field, beyond the purpose-of-payment code.

BOT requires a PoP code on all cross-border inflows; an invalid code is not rejected but the beneficiary bank may request it.

Operational notes

Field Value
Currencies accepted THB
Typical settlement 1-2 business days typical; longer for cross-border with FX or compliance review.
Banking holidays ↗ Calendar

Known issues:

  • BAHTNET migrated to ISO 20022 in 2022 (BOT Notification SorRorKhor 8/2565); legacy MT-style messages are being phased out.
  • Thai names romanize inconsistently; banks may require Thai-script beneficiary name in optional field.
  • Same 3-digit BOT bank code is used by both SMART (ACH) and BAHTNET (RTGS); branch sub-codes vary by bank.

Common rejection reasons

Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.

Beneficiary name mismatch (initials, abbreviations, punctuation, or transliteration differences from what the beneficiary bank has on file).
Account number format error (wrong length, wrong check digits, or non-standard characters).
Missing or invalid SWIFT/BIC code.
Insufficient remittance information (unclear economic reason for the payment).
Sanctions or compliance hold (OFAC / EU / UN / local screening).
Cross-border THB transfers require purpose-of-transaction declaration to the receiving Thai authorized agent under BOT Exchange Control Regulations; missing/inconsistent purpose causes return.
Restricted purposes on BOT 'negative list' require prior BOT approval before remittance can be settled.
Beneficiary name must match Thai bank records in Thai script or romanized form consistent with KYC on file; transliteration mismatch is a common reject.

Validate before you send

Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.

BIC lookup

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References

First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.

Disclaimer

These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.

Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.

For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.

Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.

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