{"id":499,"date":"2026-05-15T23:39:25","date_gmt":"2026-05-15T14:39:25","guid":{"rendered":"https:\/\/www.hukugyo.website\/mike\/thailand-wise-international-transfer-guide\/"},"modified":"2026-05-16T12:04:56","modified_gmt":"2026-05-16T03:04:56","slug":"thailand-wise-international-transfer-guide","status":"publish","type":"post","link":"https:\/\/www.hukugyo.website\/mike\/thailand-wise-international-transfer-guide\/","title":{"rendered":"\u30102026\u5e74\u7248\u3011Wise \u30bf\u30a4-\u65e5\u672c \u6d77\u5916\u9001\u91d1\u5b8c\u5168\u30ac\u30a4\u30c9|\u624b\u6570\u6599\u30fb\u70ba\u66ff\u30ec\u30fc\u30c8\u30fb\u4f7f\u3044\u65b9"},"content":{"rendered":"
\n
\n

\u30102026\u5e74\u7248\u3011Wise \u30bf\u30a4-\u65e5\u672c \u6d77\u5916\u9001\u91d1\u5b8c\u5168\u30ac\u30a4\u30c9|\u624b\u6570\u6599\u30fb\u70ba\u66ff\u30ec\u30fc\u30c8\u30fb\u4f7f\u3044\u65b9<\/h1>\n
\n\ud83d\udcc5 \u66f4\u65b0: 2026-05-15<\/span>
\n\ud83d\udccd \u30aa\u30f3\u30e9\u30a4\u30f3\u5b8c\u7d50<\/span>
\n\ud83d\udcb0 \u624b\u6570\u65990.73%\u301c<\/span>
\n\u26a1 \u7740\u91d11\u55b6\u696d\u65e5<\/span>\n<\/div>\n<\/header>\n
\n\u3053\u306e\u8a18\u4e8b\u3067\u308f\u304b\u308b\u3053\u3068<\/strong><\/p>\n
    \n
  • Wise(\u65e7TransferWise)\u306e\u4ed5\u7d44\u307f\u3068SWIFT\u9001\u91d1\u3068\u306e\u6839\u672c\u7684\u306a\u9055\u3044<\/li>\n
  • 2026\u5e74\u6700\u65b0\u306e\u624b\u6570\u6599\u4f53\u7cfb\u3068\u9280\u884c\u9001\u91d1\u3068\u306e\u5b9f\u6570\u6bd4\u8f03<\/li>\n
  • \u30bf\u30a4\u306e\u9280\u884c\u53e3\u5ea7\u304b\u3089Wise\u7d4c\u7531\u3067\u65e5\u672c\u3078\u9001\u91d1\u3059\u308b\u624b\u9806<\/li>\n
  • Wise\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u30fb\u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u53e3\u5ea7\u306e\u6d3b\u7528\u6cd5<\/li>\n<\/ul>\n<\/div>\n

    Wise(\u30ef\u30a4\u30ba)\u3068\u306f|\u56fd\u969b\u9001\u91d1\u306e\u5e38\u8b58\u3092\u5909\u3048\u305f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af<\/h2>\n

    Wise(\u65e7TransferWise)\u306f\u30012011\u5e74\u306b\u30a4\u30ae\u30ea\u30b9\u3067\u5275\u696d\u3057\u305f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3002\u300c\u9280\u884c\u306eSWIFT\u9001\u91d1\u306f\u9ad8\u3059\u304e\u308b\u300d<\/strong>\u3068\u3044\u3046\u5275\u696d\u8005\u306e\u4e0d\u6e80\u304b\u3089\u751f\u307e\u308c\u305f\u30b5\u30fc\u30d3\u30b9\u3067\u3001\u73fe\u5728\u306f\u4e16\u754c1,300\u4e07\u4eba\u4ee5\u4e0a\u304c\u5229\u7528\u3059\u308b\u56fd\u969b\u9001\u91d1\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

    \u5f93\u6765\u306e\u9280\u884c\u9001\u91d1\u3068\u306e\u6700\u5927\u306e\u9055\u3044\u306f\u3001\u9001\u91d1\u6642\u306b\u300c\u5b9f\u969b\u306e\u70ba\u66ff\u30ec\u30fc\u30c8(mid-market rate=\u30df\u30c3\u30c9\u30de\u30fc\u30b1\u30c3\u30c8\u30ec\u30fc\u30c8)\u300d\u3092\u9069\u7528\u3059\u308b<\/strong>\u3053\u3068\u3002\u591a\u304f\u306e\u9280\u884c\u306fTTS\/TTB\u30ec\u30fc\u30c8\u306b2-4%\u306e\u70ba\u66ff\u624b\u6570\u6599\u3092\u4e0a\u4e57\u305b\u3057\u307e\u3059\u304c\u3001Wise\u306f\u3053\u308c\u3092\u6392\u9664\u3057\u3001\u5225\u9014\u660e\u793a\u306e\u9001\u91d1\u624b\u6570\u6599(0.73%\u301c)\u306e\u307f\u3092\u8acb\u6c42\u3057\u307e\u3059\u3002<\/p>\n

    \n\u306a\u305cWise\u304c\u5b89\u3044\u306e\u304b|\u4ed5\u7d44\u307f\u306e\u89e3\u8aac<\/strong>
    \nWise\u306f\u300c\u30de\u30c3\u30c1\u30f3\u30b0\u65b9\u5f0f<\/strong>\u300d\u3092\u63a1\u7528\u3002\u30bf\u30a4\u304b\u3089\u65e5\u672c\u306b\u9001\u308a\u305f\u3044\u4eba\u3068\u3001\u65e5\u672c\u304b\u3089\u30bf\u30a4\u306b\u9001\u308a\u305f\u3044\u4eba\u3092\u30de\u30c3\u30c1\u30f3\u30b0\u3057\u3066\u3001\u5b9f\u969b\u306b\u306f\u5404\u56fd\u5185\u3067\u8cc7\u91d1\u304c\u52d5\u304f\u3060\u3051<\/strong>\u3002\u56fd\u5883\u3092\u8d85\u3048\u308b\u9001\u91d1\u304c\u767a\u751f\u3057\u306a\u3044\u305f\u3081\u3001\u4e2d\u7d99\u9280\u884c\u624b\u6570\u6599\u304c\u30bc\u30ed\u3002\u3053\u308c\u304c\u5727\u5012\u7684\u4f4e\u4fa1\u683c\u306e\u79d8\u5bc6\u3067\u3059\u3002\n<\/div>\n

    \u9280\u884cSWIFT\u9001\u91d1\u3068\u306e\u6bd4\u8f03|10\u4e07\u30d0\u30fc\u30c4\u9001\u91d1\u306e\u5834\u5408<\/h2>\n
    \n\n\n\n\n\n\n\n\n\n\n\n
    \u9805\u76ee<\/th>\nWise<\/th>\nSCB SWIFT\u9001\u91d1<\/th>\nKBank SWIFT\u9001\u91d1<\/th>\n<\/tr>\n<\/thead>\n
    \u9001\u91d1\u624b\u6570\u6599<\/td>\n\u7d04730\u301c1,500B(0.73-1.5%)<\/td>\n300\u301c400B<\/td>\n500B<\/td>\n<\/tr>\n
    \u4e2d\u7d99\u9280\u884c\u624b\u6570\u6599<\/td>\n0\u5186<\/td>\n15-30 USD\u76f8\u5f53<\/td>\n15-30 USD\u76f8\u5f53<\/td>\n<\/tr>\n
    \u53d7\u53d6\u5074\u624b\u6570\u6599<\/td>\n0\u5186(SCB\u7b49\u7d4c\u7531)<\/td>\n1,500\u301c2,500\u5186<\/td>\n1,500\u301c2,500\u5186<\/td>\n<\/tr>\n
    \u70ba\u66ff\u30ec\u30fc\u30c8<\/td>\nmid-market(\u96a0\u308c\u30b3\u30b9\u30c80)<\/td>\nTTB+2-3%\u4e0a\u4e57\u305b<\/td>\nTTB+2-3%\u4e0a\u4e57\u305b<\/td>\n<\/tr>\n
    \u5b9f\u8cea\u30b3\u30b9\u30c8\u5408\u8a08<\/td>\n\u7d041,000\u301c2,000\u5186<\/td>\n4,000\u301c8,000\u5186<\/td>\n4,500\u301c8,500\u5186<\/td>\n<\/tr>\n
    \u7740\u91d1\u6642\u9593<\/td>\n1\u55b6\u696d\u65e5(\u901a\u5e38)<\/td>\n2\u301c5\u55b6\u696d\u65e5<\/td>\n2\u301c3\u55b6\u696d\u65e5<\/td>\n<\/tr>\n
    \u9001\u91d1\u9650\u5ea6\u984d(1\u56de)<\/td>\nUSD 1,200,000\u76f8\u5f53<\/td>\n100\u4e07\u5186\u76f8\u5f53<\/td>\n100\u4e07\u5186\u76f8\u5f53<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    10\u4e07\u30d0\u30fc\u30c4(\u7d0449\u4e07\u5186)\u9001\u91d1\u3067\u306e\u30b3\u30b9\u30c8\u5dee<\/strong>: Wise\u306f\u9280\u884cSWIFT\u306e\u7d041\/3\u301c1\/4\u306e\u30b3\u30b9\u30c8\u3002\u5e74\u306b\u8907\u6570\u56de\u306e\u9ad8\u984d\u9001\u91d1\u3092\u884c\u3046\u99d0\u5728\u54e1\u306b\u3068\u3063\u3066\u3001\u7d2f\u8a08\u3067\u5e74\u9593\u6570\u4e07\u5186\u301c10\u4e07\u5186\u4ee5\u4e0a\u306e\u7bc0\u7d04<\/strong>\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

    \nSWIFT\u306b\u3082\u5f37\u307f\u306f\u3042\u308b<\/strong>
    \n\u9280\u884cSWIFT\u306e\u65b9\u304c\u512a\u4f4d\u306a\u5834\u9762: (1)\u9001\u91d1\u7406\u7531\u306e\u8a3c\u660e\u66f8\u985e\u304c\u5fc5\u8981\u306a\u516c\u5f0f\u9001\u91d1(\u4e0d\u52d5\u7523\u30fb\u5927\u5b66\u8cbb\u7528\u7b49)\u3001(2)\u4e2d\u5c0f\u9280\u884c\u306e\u53d7\u53d6\u4eba(Wise\u672a\u5bfe\u5fdc)\u3001(3)\u30bf\u30a4\u30d0\u30fc\u30c4\u4ee5\u5916\u3078\u306e\u9001\u91d1(USD\u7b49)<\/strong>\u3002\u4f1a\u793e\u9001\u91d1\u30fb\u516c\u7684\u9001\u91d1\u306f\u5f15\u304d\u7d9a\u304dSWIFT\u306e\u65b9\u304c\u78ba\u5b9f\u3067\u3059\u3002\n<\/div>\n

    Wise\u30a2\u30ab\u30a6\u30f3\u30c8\u4f5c\u6210|\u30bf\u30a4\u5c45\u4f4f\u8005\u5411\u3051\u624b\u9806<\/h2>\n

    \u5fc5\u8981\u66f8\u985e<\/h3>\n
      \n
    • \u6709\u52b9\u30d1\u30b9\u30dd\u30fc\u30c8(\u9854\u5199\u771f\u30da\u30fc\u30b8\u30fb\u6b8b\u5b58\u671f\u95936\u30f6\u6708\u4ee5\u4e0a)<\/li>\n
    • \u30bf\u30a4\u30d3\u30b6(Non-Immigrant B\u30fbO\u30fbLTR\u7b49\u306e\u30da\u30fc\u30b8)<\/li>\n
    • \u30bf\u30a4\u4f4f\u6240\u8a3c\u660e(\u8cc3\u8cb8\u5951\u7d04\u66f8\u30fb\u96fb\u6c17\u4ee3\u8acb\u6c42\u66f8 or TM30)<\/li>\n
    • \u30bf\u30a4\u56fd\u5185\u643a\u5e2f\u96fb\u8a71\u756a\u53f7(SMS\u8a8d\u8a3c)<\/li>\n
    • \u672c\u4eba\u5199\u771f(\u30b9\u30de\u30db\u81ea\u64ae\u308a\u3067\u751f\u4f53\u8a8d\u8a3c)<\/li>\n<\/ul>\n

      \u30a2\u30ab\u30a6\u30f3\u30c8\u4f5c\u6210\u306e\u6d41\u308c|\u6240\u898115\u301c30\u5206<\/h3>\n
        \n
      1. Wise\u516c\u5f0f\u30b5\u30a4\u30c8(wise.com)<\/strong>\u307e\u305f\u306f\u30a2\u30d7\u30ea\u3067\u300cSign Up\u300d<\/li>\n
      2. \u30e1\u30fc\u30eb\u30a2\u30c9\u30ec\u30b9+\u30d1\u30b9\u30ef\u30fc\u30c9\u8a2d\u5b9a<\/li>\n
      3. \u500b\u4eba\u60c5\u5831\u5165\u529b(\u540d\u524d\u30fb\u4f4f\u6240\u30fb\u8a95\u751f\u65e5\u30fb\u56fd\u7c4d)<\/li>\n
      4. \u30d1\u30b9\u30dd\u30fc\u30c8\u753b\u50cf\u30a2\u30c3\u30d7\u30ed\u30fc\u30c9<\/li>\n
      5. \u672c\u4eba\u78ba\u8a8d\u7528\u306e\u81ea\u64ae\u308a\u52d5\u753b<\/strong>(\u9854\u306e\u4e0a\u4e0b\u5de6\u53f3\u3092\u6620\u3059)<\/li>\n
      6. \u672c\u4eba\u78ba\u8a8d\u306e\u81ea\u52d5\u5be9\u67fb(\u6570\u5206\u301c\u6570\u6642\u9593)<\/li>\n
      7. \u627f\u8a8d \u2192 \u521d\u56de\u9001\u91d1\u304c\u53ef\u80fd\u306b<\/li>\n<\/ol>\n
        \n\u672c\u4eba\u78ba\u8a8d\u306e\u7559\u610f\u70b9<\/strong>
        \n\u30d1\u30b9\u30dd\u30fc\u30c8\u9854\u5199\u771f\u306e\u64ae\u5f71\u306f\u660e\u308b\u3044\u5834\u6240\u30fb\u53cd\u5c04\u306a\u3057\u30fb\u307c\u3084\u3051\u306a\u3057<\/strong>\u304c\u5fc5\u9808\u3002Wise\u306e\u672c\u4eba\u78ba\u8a8d\u306f\u53b3\u3057\u3044\u305f\u3081\u3001\u6700\u521d\u306e\u8a66\u307f\u3067\u5931\u6557\u3059\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3067\u3059\u3002\u672c\u4eba\u78ba\u8a8d\u306b\u6642\u9593\u304c\u304b\u304b\u3063\u305f\u5834\u5408\u3001\u30b5\u30dd\u30fc\u30c8(\u82f1\u8a9e\u5bfe\u5fdc)\u306b\u9023\u7d61\u3059\u308c\u3070\u6570\u65e5\u3067\u89e3\u6c7a\u3057\u307e\u3059\u3002\n<\/div>\n

        \u30bf\u30a4\u306e\u9280\u884c\u53e3\u5ea7\u304b\u3089Wise\u3067\u65e5\u672c\u3078\u9001\u91d1\u3059\u308b\u624b\u9806<\/h2>\n

        \u6e96\u5099|\u30bf\u30a4\u53e3\u5ea7\u304b\u3089Wise\u3078\u306e\u5165\u91d1\u65b9\u6cd5<\/h3>\n

        Wise\u306f\u9280\u884c\u53e3\u5ea7\u306e\u3088\u3046\u306b\u300cWise\u5185\u306b\u8cc7\u91d1\u3092\u4fdd\u6709\u300d\u3057\u3066\u304b\u3089\u9001\u91d1\u3059\u308b\u4ed5\u7d44\u307f\u3002\u30bf\u30a4\u306e\u30d0\u30fc\u30c4\u5efa\u3066\u53e3\u5ea7\u304b\u3089Wise\u3078\u5165\u91d1\u3059\u308b\u65b9\u6cd5\u306f3\u3064:<\/p>\n

        \n\n\n\n\n\n\n\n
        \u65b9\u6cd5<\/th>\n\u624b\u6570\u6599<\/th>\n\u6240\u8981\u6642\u9593<\/th>\n\u63a8\u5968\u5ea6<\/th>\n<\/tr>\n<\/thead>\n
        PromptPay\u7d4c\u7531(SCB\/KBank\/BBL\u7b49\u304b\u3089)<\/td>\n0\u5186<\/td>\n\u5373\u6642\u301c30\u5206<\/td>\n\u2605\u2605\u2605(\u6700\u63a8\u5968)<\/td>\n<\/tr>\n
        \u9280\u884c\u632f\u8fbc(\u30bf\u30a4\u56fd\u5185)<\/td>\n20\u301c30B<\/td>\n1\u301c2\u55b6\u696d\u65e5<\/td>\n\u2605\u2605<\/td>\n<\/tr>\n
        \u30af\u30ec\u30ab\u30fb\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/td>\n1.5\u301c3%<\/td>\n\u5373\u6642<\/td>\n\u2605(\u9ad8\u30b3\u30b9\u30c8)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        \u9001\u91d1\u5b9f\u884c|\u30a2\u30d7\u30ea\u64cd\u4f5c<\/h3>\n
          \n
        1. Wise\u30a2\u30d7\u30ea\u3067\u300cSend Money<\/strong>\u300d\u3092\u30bf\u30c3\u30d7<\/li>\n
        2. \u9001\u91d1\u5143(THB)\u30fb\u9001\u91d1\u5148(JPY)\u3092\u9078\u629e<\/li>\n
        3. \u91d1\u984d\u3092\u5165\u529b \u2192 \u624b\u6570\u6599\u30fb\u6700\u7d42\u53d7\u53d6\u984d\u304c\u81ea\u52d5\u8868\u793a<\/strong><\/li>\n
        4. \u53d7\u53d6\u4eba\u60c5\u5831\u3092\u5165\u529b:
          \n– \u540d\u524d(\u30ab\u30bf\u30ab\u30ca or \u82f1\u5b57\u30fb\u30d1\u30b9\u30dd\u30fc\u30c8\u901a\u308a)
          \n– \u9280\u884c\u540d\u30fb\u652f\u5e97
          \n– \u53e3\u5ea7\u756a\u53f7<\/li>\n
        5. \u9001\u91d1\u7406\u7531\u3092\u9078\u629e(Living Expense\u30fbFamily Support\u30fbSavings\u7b49)<\/li>\n
        6. \u5165\u91d1\u65b9\u6cd5\u3092\u9078\u629e(PromptPay\u63a8\u5968)<\/li>\n
        7. \u9001\u91d1\u78ba\u8a8d \u2192 SMS\u8a8d\u8a3c or \u9854\u8a8d\u8a3c\u3067\u78ba\u5b9a<\/li>\n
        8. 1\u55b6\u696d\u65e5\u4ee5\u5185\u306b\u65e5\u672c\u5074\u53e3\u5ea7\u306b\u7740\u91d1<\/li>\n<\/ol>\n

          Wise\u306e\u4e3b\u8981\u6a5f\u80fd|\u9001\u91d1\u4ee5\u5916\u306e\u6d3b\u7528<\/h2>\n

          1. \u30de\u30eb\u30c1\u30ab\u30ec\u30f3\u30b7\u30fc\u53e3\u5ea7(Multi-Currency Account)<\/h3>\n

          Wise\u306f50\u901a\u8ca8\u4ee5\u4e0a\u306e\u53e3\u5ea7\u30921\u30a2\u30ab\u30a6\u30f3\u30c8\u5185\u3067\u4fdd\u6709<\/strong>\u3067\u304d\u308b\u4eee\u60f3\u9280\u884c\u53e3\u5ea7\u3002\u30bf\u30a4\u30d0\u30fc\u30c4\u30fb\u65e5\u672c\u5186\u30fb\u7c73\u30c9\u30eb\u30fb\u30e6\u30fc\u30ed\u3092\u5225\u3005\u306e\u6b8b\u9ad8\u3068\u3057\u3066\u7ba1\u7406\u3057\u3001\u81ea\u7531\u306b\u901a\u8ca8\u9593\u3067\u4ea4\u63db\u3067\u304d\u307e\u3059\u3002\u7d66\u4e0e\u53d7\u53d6\u308a\u30fb\u51fa\u5f35\u8cbb\u30fb\u5e74\u91d1\u53d7\u53d6\u306b\u6709\u52b9\u3002<\/p>\n

          2. Wise\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/h3>\n

          Wise\u306f\u4e16\u754c\u4e2d\u306eATM\u3067\u73fe\u5730\u901a\u8ca8\u3092\u5f15\u304d\u51fa\u305b\u308b\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9<\/strong>\u3092\u767a\u884c(\u767a\u884c\u65991,000\u5186\u7a0b\u5ea6)\u3002\u6d77\u5916\u65c5\u884c\u6642\u3001\u73fe\u5730\u901a\u8ca8\u3092mid-market rate\u3067\u5f15\u304d\u51fa\u305b\u308b\u306e\u3067\u3001\u9280\u884cATM\u624b\u6570\u6599(\u6708\u6570\u5343\u5186\u301c)\u304c\u7bc0\u7d04\u3067\u304d\u307e\u3059\u3002<\/p>\n

          3. Wise\u53d7\u53d6\u53e3\u5ea7(\u30bf\u30a4\u30d0\u30fc\u30c4\u30fb\u65e5\u672c\u5186)<\/h3>\n

          Wise \u30a2\u30ab\u30a6\u30f3\u30c8\u306b\u306f\u5404\u56fd\u306e\u300c\u73fe\u5730\u53d7\u53d6\u53e3\u5ea7\u756a\u53f7\u300d<\/strong>\u304c\u81ea\u52d5\u7684\u306b\u4ed8\u4e0e\u3055\u308c\u307e\u3059\u3002\u4f8b: \u65e5\u672c\u306e\u89aa\u65cf\u304b\u3089Wise\u7d4c\u7531\u3067\u53d7\u3051\u53d6\u308b\u969b\u306f\u300c\u65e5\u672c\u5186\u53e3\u5ea7\u756a\u53f7\u300d\u3092\u4f1d\u3048\u308b\u3060\u3051\u3067\u3001\u76f8\u624b\u306f\u56fd\u5185\u632f\u8fbc\u306e\u3088\u3046\u306b\u9001\u91d1\u53ef\u80fd(\u81ea\u5206\u306eWise\u53d7\u53d6\u53e3\u5ea7\u306b\u7740\u91d1)\u3002<\/p>\n

          \u9001\u91d1\u9650\u5ea6\u984d\u3068\u6ce8\u610f\u4e8b\u9805<\/h2>\n

          \u500b\u4eba\u9001\u91d1\u306e\u9650\u5ea6\u984d<\/h3>\n