Cheapest way to send money to Vietnam · quotes checked 2026-10-30
Paying by bank transfer from the US. The cheapest provider changes with the amount, so both $200 and $1,000 are shown. Ranked by what the recipient gets, which is what matters: the fee and the exchange-rate markup together.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Instarem | 5,124,277 VND | 25621.386 VND/USD |
| Remitly | 5,073,291 VND (−0.99%) | 25621.39 VND/USD |
| Western Union | 5,062,576 VND (−1.2%) | 25438.8 VND/USD |
| Xoom | 4,935,082 VND (−3.69%) | 25049.907 VND/USD |
| Wise | 4,929,759 VND (−3.8%) | 25803.5 VND/USD |
| OFX | 4,791,020 VND (−6.5%) | 24569.3331 VND/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
| Provider | Recipient gets | Effective rate |
|---|---|---|
| Instarem | 25,621,386 VND | 25621.386 VND/USD |
| Remitly | 25,570,403 VND (−0.2%) | 25621.39 VND/USD |
| Wise | 25,461,346 VND (−0.62%) | 25803.5 VND/USD |
| Western Union | 25,413,616 VND (−0.81%) | 25438.8 VND/USD |
| Xoom | 24,975,008 VND (−2.52%) | 25049.907 VND/USD |
| OFX | 24,446,486 VND (−4.59%) | 24569.3331 VND/USD |
Collected and published by Wise, which is also a provider in the list. Source, 2026-10-30.
Because most of the cost hides in the exchange rate. A provider with a $0 fee and a 3% worse rate costs more than one with a $5 fee at the mid-market rate. "Recipient gets" captures both.
Fixed fees matter on $200 and vanish on $1,000, while rate markups scale with the amount. That is why Instarem wins at $200 and Instarem at $1,000 here.
No. They are quotes read on 2026-10-30 from the source linked above. Rates move daily; use them to pick a provider, then check the live quote before sending.
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Fees at an amount: PayPal $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Stripe $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Square $50 $100 $200 $250 $500 $1,000 $2,000 $5,000 · Venmo $50 $100 $200 $250 $500 $1,000 $2,000 $5,000