Frequently asked questions

Message an EXFM manager on Telegram, WhatsApp, or any other contact listed on the site, or submit a request through the form on this page. A manager will confirm the rate, the amount, and the best way for you to receive your cash.

Here's how it works: you agree on the rate and amount with a manager → you send the funds → a manager confirms which delivery method is available for your location → you receive your cash baht.

EXFM exchanges major currencies — including US dollars, euros, Australian dollars, Chinese yuan and Online USD — for Thai baht at a rate confirmed before you send.

Visit the EXFM blog for practical guides on currency exchange, money transfers, and life in Thailand.

A manager confirms the delivery method available for your location once your request is confirmed — no visit to a currency exchange counter required.

EXFM exchanges currency in the following cities and districts:

• Chiang Mai
• Krabi
• Karon
• Ao Nang
• Bo Phut
• Jomtien Beach
• Khao Lak
• Kathu
• Koh Chang
• Koh Lanta
• Pak Chong
• Patong
• Rawai
• Thalang
• Chiang Rai

Yes — EXFM operates under Bank of Thailand license No. MC225670007, and all transactions follow AML/KYC standards.

Yes, a valid ID document is required for any exchange amount and any currency — this is an AML/KYC requirement, not just for larger sums.

Yes, EXFM converts an Online USD balance into baht, delivered by bank transfer or QR-code payment.

Confirm the current list of supported networks with your manager before sending funds.

Yes, provided you double-check the address and network with your manager before sending — electronic transfers can't be reversed.

No, just message a manager to agree on the rate and amount.

There's no strict upper limit — for larger amounts, confirm the terms with your manager.

Terminal exchange counters typically offer rates several percent worse than licensed services like EXFM — use them only for a small amount to cover your first expenses.

Terminal exchange counters typically offer rates several percent worse than licensed services like EXFM — use them only for a small amount to cover your first expenses.

Submit a request to a manager in advance with your flight details — they'll agree on the rate and confirm the delivery method available to you right after you land.

Yes, EXFM converts an Online USD balance into baht — message a manager to confirm the rate and how you'll receive it, or visit one of our offices.

Yes, EXFM exchanges Australian dollars for Thai baht — visit the office or message a manager to arrange delivery.

Yes, three offices: Surin, Karon and Rawai (addresses and hours above), open daily 10:00–22:00. If none are convenient, message a manager to arrange delivery elsewhere on the island.

Office addresses and opening hours

EXFM offers a competitive rate with no hidden fees — the amount you'll receive is shown upfront; compare it against other options before exchanging a large sum.

Current exchange rates

Through EXFM, without visiting a bank: message a manager on Telegram or WhatsApp, agree on the rate and amount, and a manager confirms the delivery method available for your location in Chiang Mai. Most Thai banks don't work with rubles directly, so a remote exchange is the practical route.

Yes, from any Russian bank card. Cash rubles are also accepted by prior arrangement with a manager.

Yes — a valid ID document is required for any amount and any currency. It's an AML/KYC requirement under EXFM's Bank of Thailand license No. MC225670007.

Yes. You confirm the current rate with a manager on the day of the exchange, and it's locked in before you transfer your rubles.

Current exchange rates

Yes, every day of the week within business hours. Support is available in Russian and English by messenger.

Usually via SWIFT from your country to the seller's Thai bank or escrow. After funds arrive, the bank issues FET confirmation and sometimes Credit Advice — these link the payment to the deal for title registration and reporting.

Property payments

Yes. Foreigners often own condominiums within the non-resident quota or hold long-term land/structure leases with a separate unit agreement. The structure depends on the asset and developer — align ownership with your lawyer and seller before signing.

Property payments

FET (Foreign Exchange Transaction Form) is the bank's record of foreign currency inbound and conversion. It proves lawful funds for the deal and is often required for title transfer and communication with developers or the Land Department.

Property payments

Credit Advice is the bank's notice of funds credited to the recipient with payment details. It is requested when you need a separate record for a specific invoice or when the developer/broker asks for confirmation beyond the account statement.

SWIFT payments typically arrive in 1–5 business days depending on correspondents, currency, and route. Banks may request payment-purpose clarifications, adding 1–2 days. Allow buffer before your contract deadline.

Property payments

Settlement in Thailand is usually in baht (THB), but you may send USD, EUR, and other major currencies — the bank converts at the credit date rate. Confirm available currencies and rates with both banks before paying.

Property payments

Yes, if the payment complies with bank and recipient rules: education, healthcare, B2B supply, services, and other lawful contracts. State the correct purpose and provide compliance documents the bank requests.

Property payments

SWIFT leaves a clear bank trail: amount, sender, recipient, and purpose — ideal for FET and checks. Cash repositioning is lawful physical cash intake through a bank with FX controls; carrying large undeclared sums across borders is risky and often illegal. For property, a transparent bank route is preferable.

Yes, and it is recommended: sender/recipient fields and payment purpose should match the sale agreement or invoice so banks and parties link the payment to the buyer and asset. Name mismatches can delay crediting.

Typically: passport, signed or draft contract/reservation, recipient account details, sometimes a developer invoice. The bank may request source-of-funds proof (KYC). The exact pack depends on amount, bank, and deal structure — we will advise for your case.

Property payments

You get a personal partner link to share with people you know or your audience. A user who arrives through it becomes your permanent referral after a successful exchange — a participant attributed to you in the program. Their exchanges bring you a reward.

Create the link in the partner dashboard. For questions about it, contact the program support: @exfmpro.

Rewards come from successful referral exchanges. The first exchange counts too — it is what attributes the user to you. A link click, a sign-up or a created request alone is not enough for a reward.

The base reward for first-level referral exchanges is 0.4% of the exchange amount. Some partners have individual increased rates; discuss them with the program support.

If your referrals join the program and invite people with their own links, those invitees become your second-level referrals. For successful exchanges by these users you earn:

• 0.1% of the amount in ruble exchanges;
• 0.05% of the amount in Online USD exchanges.

For example, you invited Anna, and she invited Boris. For Boris's exchanges Anna earns a first-level reward, and you a second-level one. Your reward accrues on top and does not reduce Anna's reward.

First comes temporary attribution: when an exchange request with your link data appears, the user is attributed to you for 90 days if they meet the program terms. At least one successful exchange within that period makes the attribution permanent, with no time limit. The first such exchange already earns a reward.

Until the attribution is permanent, the earliest request by creation date that meets the program terms counts. A later click on another partner's link changes nothing. Once the attribution is permanent, the user stays your referral regardless of clicks on other partners' links.

Yes, if both conditions hold at once:

• the user has no permanent attribution to another partner;
• at least 90 days have passed since their last successful exchange.

A new exchange without partner attribution restarts the countdown each time. When the period ends, the user needs to follow your link again; after that the usual attribution rules apply. Exchanges made before the attribution are not rewarded retroactively.

Verification protects against multi-accounting and other abuse. Rewards accrue from a referral's first successful exchange and accumulate in the balance, but can be withdrawn only after verification. To pass it, successful exchanges by your first-level referrals must total at least 750 USD — it can be one exchange or several. Second-level exchanges do not count. Other currencies are converted to USD at the market exchange rate with no service fee.

The partner balance is tracked in USD. When conversion is needed, the market exchange rate applies with no service fee. At withdrawal you choose the payout currency, and it can differ from the balance currency.

To withdraw, pass verification and reach the minimum for the chosen currency:

• 10 Online USD;
• 400 THB in Thai baht;
• 200,000 VND in Vietnamese dong.

Withdrawals take the actual infrastructure and transfer costs into account. For Online USD via TRC-20 or BEP-20 with an amount under 50 USD, a network fee is withheld from the partner: 2 USD on TRC-20 or 1 USD on BEP-20. Starting from 50 USD the fee is paid by the service.

1. Open the partner dashboard and click "Withdraw".
2. Specify the payout currency: Online USD, THB or VND.
3. Enter the withdrawal amount in USD.
4. Choose how you want to receive the funds.
5. Click "Request withdrawal".
6. Send the manager your payout details in the chat of the created request.

You can check referrals, their exchanges and rewards in the partner dashboard. If more than 48 hours have passed since a successful exchange and there is still no referral or reward data, contact support: @exfmpro. Possible reasons for a missing reward:

• the user is attributed to another partner;
• fewer than 90 days have passed since their previous successful exchange;
• within the 90 days of temporary attribution the user did not confirm it with a successful exchange;
• the deal's terms do not qualify for a reward.

No: you may not use your own partner link to earn rewards for your own exchanges, even through additional accounts. The restriction covers both levels; artificial referral chains are prohibited as well. EXFM checks compliance and, in case of violations, may block the partner account and revoke rewards obtained in violation.

Yes, increased rates are possible. Bloggers, entrepreneurs, webmasters, brokers and audience owners can discuss individual terms with the program support. We will study your working format, traffic source and referral results and offer cooperation terms.

Contact support →

Yes — if the affiliate model does not suit you, we can consider an advertising placement for a fixed fee. For evaluation we need:

• analytics for your advertising source;
• a check of audience quality, absence of artificial inflation and behavioral metrics;
• if possible, confirmation of past placement results and contacts of previous advertisers.

We count on long-term cooperation and carefully evaluate every traffic source.

The affiliate program support @exfmpro answers questions about referral attribution, rewards, verification, withdrawals and individual terms.