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My grandpa loves to tell me how he’d walk miles after double shifts at the factory just to send his hard-earned dollars to my grandma in Hanoi. Love you, Gramp, but the best way to send money to Vietnam these days only takes a few taps on my phone, leaves me more time to try multiplying my salary with those funny internet coins.
Jokes aside (yeah, don’t go aping into meme coins without a clue), it’s crazy how effortless cross-border transfers have become. Be it through a mobile wallet, a bank transfer, or an instant service that works like DM-ing with a friend, you’ve got plenty of options.
Can’t decide which app to use? Here are my top picks for transferring money online to Vietnam, each with something unique to offer:
- Ogvio - Low-to-Zero Fee Transfers to Vietnam
- Wise - Best for Fair Mid-Market Rates to VND
- Xe - Best for Real-Time Exchange Rate Accuracy
- Remitly - Best for Guaranteed Delivery to Vietnam
- Western Union - Best for Cash Pickup Across Vietnam
- Krak - Best for Crypto-Powered Transfers to Vietnam
- MoneyGram - Best for Frequent International Remittances
And if you do know your way around crypto or are starting to get curious, be sure to check BitDegree Airdrop Season 8. There’s a $15,000 prize pool up for grabs!
1. Ogvio - Low-to-Zero Fee Transfers to Vietnam
Ranks #1 out of 7 Money Transfer Services
- + Remittance-oriented
- + Instant transfers
- + Incremental-to-no fees
- + Crypto support
- + @Tag functionality
- + Free transfers between users
- - No card (coming soon)
If you're looking for how to send money to Vietnam, I'd highly recommend trying out Ogvio. It's designed to be fast and easy to use. This next-generation money transfer service also offers near-instant global transfers.
Sounds too good to be true? Well, that's what Ogvio is working on. Its signature @Tag feature, for example, lets you transfer money to your loved ones as easily as sending a text message. Even better, it also keeps setup and usage completely free, without any hidden fees or monthly subscriptions.
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Table: Ogvio pricing
And let's say the world pulls a funny one and the Vietnamese dong suddenly drops. In that case, Ogvio's got your back, as it automatically converts your balance into either USD or EUR for stability. That way, your funds stay protected from inflation, and you can convert or withdraw when the rate works in your favor.
But it’s not just about fiat. Crypto users will also feel right at home as Ogvio plans to let you hold, trade, and receive popular tokens like BTC and USDC.
With the country’s growing interest in crypto,[1] this could soon become a practical and cost-efficient remittance alternative for anyone seeking the cheapest way to send money to Vietnam.
So yeah, just using Ogvio alone will mean having multiple ways to send money. And when it comes to international remittances, more choices are definitely better, right?
Here’s a brief look at Ogvio:
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✓ Instant transfers | ✓ 0% crypto trading fees |
✓ Crypto & fiat support | ✓ @Tag easy-send feature |
✓ Free internal transfers | ✓ Pegged to USD/EUR balance |
Table: Ogvio highlights
With all these features in place, it’s not far-fetched for me to say that Ogvio can be your go-to platform for sending money online to Vietnam. It’ll be fast, transparent, affordable, easy to use, and reliable.
2. Wise - Best for Fair Mid-Market Rates to VND
Ranks #2 out of 7 Money Transfer Services
- + Transparent fees
- + Fair exchange rates
- + A smooth user experience
- + Multi-currency accounts
- - Service coverage is broad, but not entirely worldwide
- - Cash pickups aren’t available
- - Added compliance checks for large transfers
Wise is among the top choices for the cheapest way to send money to Vietnam, and for good reason. You see, it uses the mid-market exchange rate, which many consider the “fairest” rate for international transfers.
What’s more, the platform lets you review fees before you send. As such, you'll have a general idea of what you’ll pay and what your recipient will get. Its fee can also vary quite a bit depending on your payment method.
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Table: Wise pricing
You’re also covered when it comes to global reach. With support for 160+ countries and over 40 currencies, Wise makes it convenient to transfer money online to Vietnam no matter where you are. Its user-friendly app also makes things even simpler, as you can send funds in just a few taps.
From a security standpoint, Wise is also quite reliable. Each transfer you make is protected by HTTPS encryption, and you’ll need to complete two-step verification before sending. The security team also works around the clock, running millions of checks daily to stop fraud and scams.
Here’s a quick look at Wise’s features:
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✓ Fast transfer speed | ✓ Recurring transfer feature |
✓ Mid-market exchange rate | ✓ Multiple payment options |
✓ Supports 160+ countries | ✓ Multi-currency account |
Table: Wise highlights
That said, Wise’s lack of cash pickup service could be a downside. So, if your recipient doesn’t have a local bank account, you’ll need to look for another option for how to transfer money to Vietnam.
3. Xe - Best for Real-Time Exchange Rate Accuracy
Ranks #3 out of 7 Money Transfer Services
- + Extensive global coverage
- + Real-time exchange rate tools
- + Rate alert features
- + Currency chart tools
- + Cash pickup option
- - Variable fees for certain payments
- - No physical or virtual card
For more than 30 years, Xe has earned the trust of millions for providing accurate international exchange rates. It also extends that reliability to its money transfer services, regulated and compliant across multiple regions.
Xe’s reach spans over 190 countries and 130 currencies, letting you send money to Vietnam from almost anywhere in the world. The platform shows an overview of rates and fees before you confirm, though some extra costs may apply depending on how you pay.
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Table: Xe pricing
Another thing that makes Xe one of the best ways to send money to Vietnam is its range of receiving options. It supports direct bank deposits to major local banks like VIB, Sacombank, and DongA Bank, as well as mobile wallet services.
On top of that, it supports over 5,350 pickup locations across the country. So even if your recipients back home don’t have a bank account, they can still collect their money relatively easily.
To summarize what makes Xe stand out:
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✓ 190+ supported countries | ✓ Easy-to-use mobile app |
✓ Fast global transfers | ✓ Real-time transfer tracker |
✓ Multiple payout options | ✓ 5,000+ cash pickup locations in Vietnam |
Table: Xe highlights
With everything it offers, it’s no surprise that many see Xe as a go-to name for reliable remittances. Be sure to keep it on your radar.
Did you know?
All Money Transfer Services may look similar to you, but they're NOT all the same!
4. Remitly - Best for Guaranteed Delivery to Vietnam
Ranks #4 out of 7 Money Transfer Services
- + Great platform accessibility
- + 170+ receiving countries
- + Home delivery available
- + Major and local payout options
- - Escalating FX rates
- - Confusing fees
If you’re looking for one of the best ways to send money to Vietnam, Remitly is another name to consider. It’s an easy-to-use remittance app built for quick, convenient, and reliable person-to-person transfers.
Both you and your recipient get plenty of flexibility when it comes to delivery choices. Whether you’re paying by card or bank transfer, or your recipient prefers cash pickup or bank deposit, Remitly’s got your back. Its rates are also quite competitive within the global remittance service market.
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Table: Remitly pricing
Remitly’s coverage is also pretty impressive. The platform supports sending money to 170+ countries globally, making it one of the best apps if you’re looking for how to transfer money to Vietnam from US, Australia, Europe, or practically anywhere in the world.
Oh, and I’ve got to mention Remitly’s delivery promise. If your money doesn’t arrive within the expected time, the platform offers a 100% satisfaction guarantee or a full refund of the fees. That’s pretty based.
Here are some noteworthy aspects of Remitly:
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✓ Fast express & economy options | ✓ 100% delivery time guarantee |
✓ Wide variety of delivery options | ✓ Transparent rates shown upfront |
✓ 170+ supported countries | ✓ Easy mobile app experience |
Table: Remitly highlights
The catch for the delivery guarantee is that you’ll need to go through a more detailed verification process when signing up. Still, I’d say it’s a fair trade for the peace of mind it offers.
5. Western Union - Best for Cash Pickup Across Vietnam
Ranks #5 out of 7 Money Transfer Services
- + An established money transfer service
- + Available in most countries
- + Multiple delivery types, including cash pickup
- + Various ways to fund a transfer
- - High fees and exchange rate markup
- - Outdated app interface
- - Doesn't allow long-term fund storage
Having handled global transfers since 1851, Western Union continues to be one of the best ways to send money to Vietnam. Its long history has built a reputation for reliability and reach that only a few names can match.
To younger users, Western Union might seem like the “unc” of remittance services. Don’t be fooled, though, because the old man keeps up with the trends. As proof, its redesigned app makes sending money simple, quick, and adaptable for every budget.
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Table: Western Union pricing
Security-wise, Western Union has you covered. It uses strong encryption to protect your personal information, like user IDs, passwords, and card details, whenever you send them to the platform.
The remittance service also takes scam prevention seriously. In addition to its strong security measures, it provides resources such as a Fraud Resource Center, educational materials, and a dedicated hotline to help you identify and report scams.
With all that in place (and a bit of your own vigilance, of course), you can rest assured your hard-earned money will reach your family safely back home.
Some of the notable features of Western Union include:
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✓ Fast and secure money transfers | ✓ Established brand since 1851 |
✓ Multiple payment options | ✓ Real-time money tracking |
✓ 550,000+ agent locations worldwide | ✓ Custom exchange rate alerts |
Table: Western Union highlights
Given all that, I’d say the main feature that’ll make you consider Western Union is its huge network of cash pickup locations. With over 9,801 agents across Vietnam, your recipient can stop by a nearby shop, bank, or post office, show an ID and tracking number, and collect the money in minutes.
6. Krak - Best for Crypto-Powered Transfers to Vietnam
Ranks #6 out of 7 Money Transfer Services
- + Smooth payment flow
- + Quick fiat & crypto transfers
- + Reward earning functionality
- + Strong security features
- + Responsive customer support
- - Lacks some features for advanced traders
- - Krakback and similar rewards may be restricted in certain regions
If you’re looking for the best way to send money to Vietnam with a bit more modern spice, Krak might just be your go-to option. Developed by Kraken, one of the world’s most recognized crypto exchanges, this global money app enables instant transfers using digital assets like Bitcoin, Ethereum, and Solana.
More than just providing a transfer service, Krak also works as an all-in-one app to hold, convert, and manage your fiat, stablecoins, and altcoins. Plus, its seamless P2P setup ensures speed, simplicity, and competitive pricing.
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Table: Krak pricing
You’re in safe hands when it comes to security. Built by Kraken, the app inherits the same strong reputation for regulation and protection. It employs industry-standard encryption and strict privacy policies to keep your personal information secure.
On top of that, the platform uses Proof of Reserves, a transparent verification system where an independent auditor ensures user assets are fully backed. This procedure guarantees your funds remain secure and accessible whenever you need to withdraw.
Some of Krak’s top features include:
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✓ Instant transfers with crypto | ✓ KrakBacks reward program |
✓ Supports 300+ fiat and crypto assets | ✓ Advanced encryption & 2FA protection |
✓ Hold, trade, and convert assets in one app | ✓ @Kraktag feature for easy payment |
Table: Krak highlight
Krak also rewards you for staying active. With its KrakBacks program, you can earn a bit of crypto each day you send money to friends or family back in Vietnam. Pretty cool perks, eh?
7. MoneyGram - Best for Frequent International Remittances
Ranks #7 out of 7 Money Transfer Services
- + Over 350,000 agent locations worldwide
- + Fast cash transfers
- + Multiple send and receive options
- + Wide currency support
- - Applies exchange rate markup
- - ACH transfers take days to arrive
MoneyGram is another name I’d suggest checking out as a potential alternative for the best way to send money to Vietnam. With over 80 years of experience, this trusted money app offers seamless digital transfer services across 200+ countries and territories worldwide.
Your family or friends can receive money however suits them best: direct to a bank account, through a mobile wallet, or by picking up cash at a local MoneyGram outlet. It promises reliability, speed, and affordable rates.
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Table: MoneyGram pricing
Getting started is also pretty easy. Just sign up through the app or website, verify your identity, and add your preferred payment method (credit or debit card, both work). After that, select Vietnam as your destination, fill in your recipient’s details, and send the funds within minutes.
And if you end up really liking the app and make it your go-to for international remittances, you can join the MoneyGram Plus program. It comes with perks like fee discounts, special deals, and VIP rewards that make each transfer home feel even better.
Here’s why I think the platform deserves your attention:
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✓ Fast money transfer | ✓ MoneyGram Plus rewards program |
✓ Competitive pricing | ✓ 80+ years of remittance experience |
✓ Flexible payout options | ✓ Easy-to-use app and website |
Table: MoneyGram highlight
Given its accessibility and wide reach, I’d say MoneyGram is worth a look. Say if you’re living in Sydney and need to send money from Australia to Vietnam for your family, the app can save you the trip and long queues at the bank.
How to Transfer Money Online to Vietnam From UK
Now that you’ve seen which platforms offer the best way to send money to Vietnam, let’s get practical by making a transfer from the UK. Don’t worry, the process is as simple as it gets, especially if you’re using the right platform.
With the recently launched Ogvio, you're able to send money account-to-account just by typing your recipient’s @Tag.
UK bank transfers usually have a cut-off time, and anything sent after that often gets processed the next business day. These delays become even more common during public holidays. And if you want to avoid all that, Ogvio-to-Ogvio transfer is the preferred method.
![Best way to send money to Vietnam: click on the [Add Money] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-money-add.jpg "Best way to send money to Vietnam: click on the [Add Money] option.")
![Best way to send money to Vietnam: select [Bank Transfer] as the top up method.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-bank.jpg "Best way to send money to Vietnam: select [Bank Transfer] as the top up method.")
Faster Payments supports up to £1,000,000 per transfer from the UK.
After completing the payment, click [I made a transfer] to proceed.
![Best way to send money to Vietnam: choose the [Send Money] option.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-send.jpg "Best way to send money to Vietnam: choose the [Send Money] option.")
![Best way to send money to Vietnam: click the [+] button at the top.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-add.jpg "Best way to send money to Vietnam: click the [+] button at the top.")
You can choose between sending to another Ogvio user, to a bank account, or to a crypto wallet. In this case, go with the first option.
And just like that, you now know how to send money to Vietnam from UK using Ogvio!
How to Transfer Money From Australia to Vietnam
Transferring using the account-to-account method is about as seamless as it gets. But if your recipient prefers the money sent through a bank, Ogvio can handle that just as easily.
Just keep in mind, if you’re sending money to your Vietnamese friend, pay extra attention when entering their name. Vietnamese names often include multiple given names, and the order matters.
For example, if the name is: Nguyễn Thị Minh Khai
- Last name: Nguyễn
- Middle name: Thị
- First name: Minh Khai
Putting the correct name with the exact spelling and sequence from their ID is important, or it can lead to delays or a rejection from the bank or cash pickup partner. Trust me, it happens more often than you’d think.
With that in mind, here’s the process for sending money from Australia to Vietnam using Ogvio’s bank transfer option:
You can check the registration and topping-up process in the guide above.
That’s how you can transfer money from Australia to Vietnam using Ogvio's bank transfer feature!
How to Send Money to Vietnam From US
It’s 2 a.m. You’re half-watching Netflix when your mom texts you, “Send money now, the fridge broke”. Say no more, fam. You can send it from your phone before the next episode starts.
The issue with US-to-Vietnam bank transfers is that they can be quite expensive, slow, and have strict regulations. Specifically with Ogvio, for the time being, US citizens have limited service and bank transfers are not available. However, there is an exception. If you're a US citizen but not living in the United States, the service will be available.
That said, this will not be an issue because you can still do a card top-up and send it through internal transfer.
You can find the process of signing up in the first guide.
![Best way to send money to Vietnam: a red arrow pointing to the [Add Money] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-us-step-1.jpg "Best way to send money to Vietnam: a red arrow pointing to the [Add Money] button on Ogvio.")
![Best way to send money to Vietnam: a red arrow pointing to the [Card Transfer] button on Ogvio.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-us-step-2.jpg "Best way to send money to Vietnam: a red arrow pointing to the [Card Transfer] button on Ogvio.")
![Best way to send money to Vietnam: a red arrow pointing to the [Continue] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-us-step-3.jpg "Best way to send money to Vietnam: a red arrow pointing to the [Continue] button.")
![Best way to send money to Vietnam: a red arrow pointing to the [Send To Ogvio User] button.](https://assets.bitdegree.org/images/best-way-to-send-money-to-vietnam-us-step-6.jpg "Best way to send money to Vietnam: a red arrow pointing to the [Send To Ogvio User] button.")
And with that, you’ve learned how to send money to Vietnam from the US without even leaving your couch. The recipient will be able to then easily withdraw to their bank account, using the [Bank Transfer] method under the [Send Money] option.
Cheapest Ways to Send Money to Vietnam
When you send money to your family or friends, you want them to get as much as possible without losing too much to fees or unfair exchange rates. For that reason, these three transfer platforms are the first ones I’d look into:
- Ogvio. Since Ogvio’s user-to-user transfers are free, you can send money to people back home without worrying about fees, making it one of the cheapest ways to send money to Vietnam.
- Remitly. The platform charges a flat transfer fee for all transactions and often runs limited-time promos that offer better exchange rates, especially for transfers under $1,000.
- Wise. It uses the mid-market exchange rate, which is considered the fairest. On top of that, its transfer fees are pretty competitive compared to other services.
Here’s a simple at-a-glance table comparing the pricing of these platforms:
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Table: Wise, Ogvio, & Remitly fees comparison
The actual value that arrives in Vietnam will also be affected by things like your location, the transfer type, and the amount you’re sending. But in most cases, you’ll find these platforms give you a better experience when it comes to affordability while still offering reach and simplicity, the three main aspects[2] you want in a money transfer service.
Things to Keep in Mind When Transferring Money Online to Vietnam
I get it if you’re still on the fence. It’s not easy to find a platform that checks most of the boxes, let alone one that does everything for you perfectly. My advice is to start by looking at your own situation first and go from there.
For instance, if you’re living abroad in The Land Down Under and want to transfer money from Australia to Vietnam, take that situation into account.
Ask yourself questions like: Which platform is available here? Which one has the lowest fees overall? Which one’s the fastest?
Still, no matter where you are, be sure to:
- Keep an eye on fees. Some transfer services sneak in hidden charges you might not notice at first. Be sure to check the details before sending your money.
- Check the conversion rate. The exchange rate between your sending currency and the Vietnamese dong can differ from the mid-market rate. Try to compare rates across platforms for fair value.
- Pay attention to delivery time. Some transfers arrive in minutes, while others can take up to several business days. It generally depends on how and where you send the money.
- Confirm payout methods. Your family back home should be able to receive the money through whichever method is most convenient (bank transfer, mobile wallet, or local cash pickup).
- Be aware of transfer limits. Each money service has its own sending limits, which may depend on your account type, country, or verification level.
- Prioritize security. Trusted services use strong data encryption and multi-factor authentication to protect your information and prevent fraud.
And even after all that, you might still hesitate to send money home if the rate against the dong isn’t great. In that case, there’s no harm in waiting until the rate improves or you’ve saved a bit more[3] before sending the money home.
Conclusions
And that’s my list of transfer services to check out if you’re looking for the best way to send money to Vietnam. Each one of them has its own perks and vibes, so feel free to test which platform fits your situation best.
If none of them quite click, no worries at all. There’s always another app around the corner, and one of them might just be the ideal match for you.
Speaking of an ideal platform, Ogvio’s just launched. Join the current users and test out the instant and zero fee transfers.
Scientific References
1. Le Nguyen T., Sipko J., Kien Pham V.: ‘Cryptocurrency in Vietnam: A Deep Dive into Adoption Factors and Their Interactions’;
2. Kosse A., Vermeulen R.: ‘Migrants’ Choice of Remittance Channel Do General Payment Habits Play a Role’;
3. Hua T. X., Kessels R., Erreygers G.: ‘The Impact of Remittances on Saving Behaviour and Expenditure Patterns in Vietnam’.
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