Thunes review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Thunes moves money across a broad corridor network, reaching 90 currencies and paying out to bank, card and wallet accounts from one connection. It suits businesses and platforms that pay many partners at once, and readers who weigh network reach and settlement speed above price.
Key facts
- Best for
- Business payout flows across many currencies and payout types.
- Delivery time
- 85% immediate settlement↗
- Licence type
- Payment institution↗
- Payout methods
- Bank, Card, Wallet↗
- Currencies
- 90↗
- Legal entity
- THUNES FINANCIAL SERVICES↗
- Headquarters
- France↗
- Founded
- 2016↗
- Support channels
- Phone, Help-centre↗
- Official website
- thunes.com
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- 85% immediate settlement recorded by the provider, against 24 - 72 hours at Skrill.
- Payouts to bank, card and wallet accounts, so partners can take the money where it suits them.
- Currency reach of 90 compares with 5 across money transfer services.
Cons
- A payment institution licence means money sits with a payments firm, outside the protection a bank deposit carries.
- Support runs on phone and help centre only, with no live chat or email listed.
- 85% immediate settlement leaves part of the network outside instant settlement, which matters when a payout must land the same day.
Who it suits
- Businesses paying many partners or workers in different markets from a single connection.
- Product and platform teams embedding payouts into their own service.
- Readers who care about corridor coverage and settlement speed more than fee level.
Who should look elsewhere
- PayPal Colombia, if a transfer needs to land in Seconds.
- Skrill, for a sender planning around a 24 - 72 hours delivery window.
- Paysera, which pays out euros at once within its own network and over SEPA.
Deposit protection
Thunes is registered as a payment institution, not a bank, so the money moves through a regulated payments firm. The French entry with ACPR reads PSD_PI FR_ACPR!384558. In the US it holds FinCEN money service business registration and state money transmitter licences under NMLS ID 2450368. Bank deposit protection sits outside that licence record.
The company behind it
The legal entity behind the brand is THUNES FINANCIAL SERVICES, headquartered in France and founded in 2016. Its regulatory footprint spans the French registration PSD_PI FR_ACPR!384558 and the US registration NMLS ID 2450368. Support runs on phone and help centre, so help arrives by phone or through the help centre.
How Thunes compares
8.8 vs 8.0
8.8 vs 8.5
8.8 vs 8.5
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8.8 vs 9.1
8.8 vs 8.6
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.9
8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.4
8.8 vs 8.0
Where Thunes is available
- Licence in France
- ACPR (Autorite de Controle Prudentiel et de Resolution), checked September 26, 2026
- Licence in France
- ACPR (EU extension of the France licence), checked September 26, 2026
- Licence in United Kingdom
- Financial Conduct Authority, checked September 26, 2026
- Licence in Singapore
- Monetary Authority of Singapore, checked September 26, 2026
- Licence in Hong Kong
- Hong Kong Customs and Excise Department, checked September 26, 2026
- Licence in United States
- FinCEN (money service business registration) and state money transmitter licences (NMLS ID 2450368), checked September 26, 2026
- Licence in Canada
- Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), checked September 26, 2026
- Licence in France
- FR_ACPR (PSD_PI FR_ACPR!384558), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Iceland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
How do costs compare with other money transfer services?+
Thunes prices a transfer by corridor and quote, so the figure depends on the route you send. Across money transfer services, the typical exchange rate cost is 0.53% and the upper quartile is 2.5%. Those give a yardstick for any quote you receive.
Is Thunes regulated?+
Yes. Thunes is registered as a payment institution, with a French ACPR entry PSD_PI FR_ACPR!384558 and US money service business registration and state money transmitter licences NMLS ID 2450368. Both registrations sit with named regulators, so the firm is supervised rather than informal.
How fast does the money arrive?+
Thunes records 85% immediate settlement, so most transfers on the network clear straight away. That compares with 24 - 72 hours at Skrill and Seconds at PayPal Colombia. The remainder follows corridor timing, so check the route rather than assume a fixed clock.
How do recipients get paid?+
Payouts go to bank, card and wallet accounts. A recipient can take the money into a bank account, a card or a wallet, depending on the corridor and the partner connected to the network. Cash pickup is not among the listed methods, so a recipient without an account needs a partner able to hold funds.
How do I get help?+
Support runs on phone and help centre, so a question goes by phone or into the help centre. Live chat and email are not among the listed channels, which matters if your team prefers a written trail on a payment query. Phone support suits a payout problem that needs a person on the line.
Where is Thunes based and how old is it?+
The legal entity is THUNES FINANCIAL SERVICES, headquartered in France and founded in 2016. Registered with supervisors on both sides of the Atlantic, it reads as an established counterparty for business payouts. It is a payments firm rather than a bank, which suits companies that want a payout network rather than a deposit account.
Who is Thunes for?+
Business and platform teams paying out at volume fit this category, where business users hold 63.8% of money transfer services. Breadth across 90 currencies and payouts to bank, card and wallet accounts suit an operations team. Someone sending money to family is not the case this network is built for.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licence type, Licences
“EntityCode=FR_ACPR!384558; EntityType=PSD_PI; ENT_NAM=THUNES FINANCIAL SERVICES”
- en.wikipedia.org/wiki/Thunes checked September 26, 2026
Backs: Founded
“Founded 2016”
- thunes.com checked September 26, 2026
Backs: Currencies, Delivery time, Payout methods
“90 Currencies”
- thunes.com/contact checked September 26, 2026
Backs: Support channels
“Existing Thunes Members and customers located in the USA with specific customer service requests can contact Thunes Customer Service at [+18883399920] (Hours of Service: 8:00 AM - 6:00 PM EST) or...”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Transfer fee, Exchange rate markup.