Interface elements are frequently employed in finite element (FE) analyses to represent soil-structure interfaces or rock joints. The modelling of coupled thermo-hydro-mechanical (THM) problems in geotechnical engineering requires equally a coupled and robust THM formulation for interface elements. This paper presents such a formulation which is capable of reproducing the coupled THM behaviour of discontinuities and soil-structure boundaries, and is compatible with other types of finite elements used to discretise the soil and structural domains (e.g. solid and shell elements). The coupled THM three-dimensional (3D) zero-thickness interface element is implemented into the bespoke FE code employed in this research and its features are verified using a number of numerical exercises. To demonstrate their performance, the proposed interface elements are employed in the simulation of the coupled THM behaviour of a fissured triaxial sample subjected to a thermal load and the influence of the presence of fissures on soil behaviour is presented.