Best companies for SGD/VND transfers
6 of 6 providers Last updated on 10 November 2026
Based on 10,000 SGD transfer Best companies for SGD/VND transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee $46.60 1 SGD = 20032.5000 VND 0.00% vs mid-market	Recipient gets ₫199,391,486.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Vietnam with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $46.601 SGD = 20032.5000 VND ₫199,391,486.00You pay$10,000.00
Promoted Xe Pay via Bank transfer	Fee $0.00 1 SGD = 19605.0000 VND +2.16% vs mid-market	Recipient gets ₫196,050,000.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Vietnam with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 19605.0000 VND ₫196,050,000.00You pay$10,000.00
Run a live search Showing top Singapore to Vietnam deals for 10,000 SGD. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live SGD to VND rates.
Run a live search These companies offer multi-currency accounts for spending VND. We suggest doing a live search based on how much SGD you're planning to spend in Vietnam.
Run a live search These are managed services with real human support for large SGD transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee $0.00 1 SGD = 19978.9618 VND +0.27% vs mid-market	Recipient gets ₫199,789,617.52 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Vietnam with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 19978.9618 VND ₫199,789,617.52You pay$10,000.00
Wise Pay via Bank transfer	Fee $46.60 1 SGD = 20032.5000 VND 0.00% vs mid-market	Recipient gets ₫199,391,486.00 Within minutes
25 reviews Our top pick Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Vietnam with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $46.601 SGD = 20032.5000 VND ₫199,391,486.00You pay$10,000.00

Wise Pay via PayNow	Fee $46.60 1 SGD = 20032.5000 VND 0.00% vs mid-market	Recipient gets ₫199,391,486.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Vietnam with Wise when paying by paynow. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $46.601 SGD = 20032.5000 VND ₫199,391,486.00You pay$10,000.00
OFX Pay via Bank transfer	Fee $0.00 1 SGD = 19932.8857 VND +0.50% vs mid-market	Recipient gets ₫199,328,857.35 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in Vietnam with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 19932.8857 VND ₫199,328,857.35You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee $51.50 1 SGD = 20027.4203 VND +0.03% vs mid-market	Recipient gets ₫199,242,791.00 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Vietnam with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes $51.501 SGD = 20027.4203 VND ₫199,242,791.00You pay$10,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
CurrencyFair Pay via Bank transfer	Fee $4.94 1 SGD = 19778.4000 VND +1.28% vs mid-market	Recipient gets ₫197,685,108.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Vietnam with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours $4.941 SGD = 19778.4000 VND ₫197,685,108.00You pay$10,000.00
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee $131.75 1 SGD = 20027.4203 VND +0.03% vs mid-market	Recipient gets ₫197,635,590.00 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Vietnam with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes $131.751 SGD = 20027.4203 VND ₫197,635,590.00You pay$10,000.00
US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US / for details.
Xe Pay via Bank transfer	Fee $0.00 1 SGD = 19605.0000 VND +2.16% vs mid-market	Recipient gets ₫196,050,000.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Vietnam with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SGD = 19605.0000 VND ₫196,050,000.00You pay$10,000.00
Wise Pay via Debit card	Fee $501.44 1 SGD = 20032.5000 VND 0.00% vs mid-market	Recipient gets ₫190,279,903.00 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Vietnam with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer $501.441 SGD = 20032.5000 VND ₫190,279,903.00You pay$10,000.00
How Our Results Work Mid-market rate: 1 SGD = 20033.0510 VND Updates every 60 minutes.

Why compare

SGD/VND exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Singapore to Vietnam

Pick a company

I suggest starting with Regency FX which is the cheapest option for sending S$10,000.

Regency FX was the cheapest on 30 of the 30 days it quoted S$10,000 transfers to Vietnam.

Fund your transfer

There are 3 methods to fund the transfer from Singapore, including bank transfer, debit card, and PayNow.

Where possible, use PayNow to fund your account, it is usually free and takes seconds.

Verify and send

Before you can send money to Vietnam, you'll need to verify your account using Singpass, or a passport and pass if you're not a resident.

Compare amounts

How much SGD are you sending to Vietnam?

How much SGD you send to Vietnam heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from S$5,000 it quoted, and in 100% of all the transfers it quoted.


$1,000	0.01%	$0.00	₫20,027,410.00with paynow to bank deposit	+₫225,252.35
$5,000	0.02%	$1.50	₫100,075,095.00with bank transfer to bank deposit	+₫1,337,395.59
$10,000This page	0.27%	$0.00	₫199,789,617.52with bank transfer to bank deposit	+₫2,145,746.53

Mid-market rate: 1 SGD = 20033.0510 VND

SGD/VND Exchange Rate History

Is today a good time to send money from Singapore to Vietnam?

The cheapest way to send SGD to VND can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 10,000 SGD transfers to Vietnam.

Each line shows what the recipient gets when you send $10,000, after fees, as quoted by each company. The mid-market line shows what $10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more VND per SGD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of VND on every transfer from Singapore.

Right now, Regency FX pays 199,789,617.52 VND on 10,000 SGD, which is 540,892.38 VND less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 201,925,095.01 VND.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Vietnam.

We've tracked 89 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.

Regency FXAppeared in 30 comparisons
Cheapest every time
WiseAppeared in 89 comparisons
Cheapest in 10% of them
OFXAppeared in 89 comparisons
Never the cheapest

Based on 89 comparisons across 3 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Wise (today's second cheapest) was the cheapest in only 10% of its comparisons, so it's rarely the cheapest option for transfers to Vietnam.

Ways to send money from Singapore to Vietnam

There are 5 ways to send money to Vietnam across 6 money transfer companies.

Cheapest way to send money

Online transfers

Sending VND from Singapore with a specialist like Wise is quick, easy, and cheap.

You sign up online or through the app, verify account details, enter the amount, fund your transfer, and click send.

Wise charges S$46.60 to send S$10,000, delivering 199,391,486 VND after a 0% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Large transfers from Singapore

Currency brokers

Brokers are the best for large SGD transfers to Vietnam.

A currency broker can quote a lower margin on large SGD to VND transfers and help with the paperwork and the entire process.

For example, Regency FX charges an exchange-rate markup of around 0.27% and no fees.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from S$5,000 it quoted.

Large transfers may be held briefly for Singapore’s anti-scam checks, so if your transfer is time sensitive, start the process a bit earlier.

Regular spending abroad

Multi-currency accounts

A multi-currency account like Wise lets you convert SGD to VND before travelling or paying your own bills overseas.

And you can hold both currencies in one account.

Wise will get you 199,391,486 VND after fees when converting 10,000 SGD.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

Ways to fund SGD and receive VND in Vietnam

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending S$10,000 gives your recipient 199,789,617.52 VND.

Pay in SGD through bank transfer, debit card, and PayNow.

Funding the transfer with PayNow

This is the quickest and simplest way to pay for your transfer to Vietnam from Singapore.

Scan the company's PayNow QR code or use its registered identifier.

In Vietnam, they can receive VND using bank deposit.

1

Bank transfer Bank deposit

You pay S$10,000.00

₫199,789,618

Cheapest
2

PayNow Bank deposit

You pay S$10,000.00

₫199,391,486

-₫398,132
3

Debit card Bank deposit

You pay S$10,000.00

₫197,635,590

-₫2,154,028

Things to know before sending SGD to Vietnam

Consider these things before sending money from Singapore to Vietnam.

Compare SGD/VND transfers

For a S$10,000 transfer to Vietnam, these are the best options to start with:

Cheapest: Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 199,789,617.52 VND, which is 0.2% more than the next best option.
Fastest: Revolut, funded through bank transfer with bank deposit for the payout. Your recipient gets 199,242,791 VND in within minutes.

SDIC protection

Eligible SGD deposits at participating banks are insured by SDIC up to S$100,000 per depositor and bank.

A balance with a non-bank transfer company is not a bank deposit and does not receive the same cover, even when the company is MAS-licensed.

When unsure, check the legal company in the MAS Financial Institutions Directory before paying.

How we analyse the market

Every company here holds a MAS licence, which you can check yourself on the MAS register.

We track 6 of them on SGD to Vietnam, refreshed in real time on live searches, and compare on the amount that arrives rather than the headline fee.

In the past 30 days alone, we analysed 89 comparisons across 3 amounts.

This page covers the cheapest and fastest options for SGD/VND transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and how to get started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

Send money from Singapore

Send money to Vietnam

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20245.2622	–	₫202,452,621.59
Regency FX Cheapest	20190.6000	$0.00	₫201,905,999.51	−₫546,622.08
Wise	20245.3000	$46.60	₫201,509,569.00	−₫943,052.59
OFX	20144.0358	$0.00	₫201,440,358.48	−₫1,012,263.11

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20247.1769	–	₫202,471,768.79
Regency FX Cheapest	20192.5095	$0.00	₫201,925,095.01	−₫546,673.78
Wise	20246.5000	$46.60	₫201,521,513.00	−₫950,255.79
OFX	20145.9410	$0.00	₫201,459,409.95	−₫1,012,358.84

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20129.8322	–	₫201,298,322.38
Regency FX Cheapest	20075.4817	$0.00	₫200,754,816.91	−₫543,505.47
Wise	20129.8000	$46.60	₫200,359,951.00	−₫938,371.38
OFX	20029.1831	$0.00	₫200,291,830.77	−₫1,006,491.61

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20169.3971	–	₫201,693,970.54
Regency FX Cheapest	20114.9397	$0.00	₫201,149,396.82	−₫544,573.72
Wise	20166.8000	$46.60	₫200,728,227.00	−₫965,743.54
OFX	20068.5501	$0.00	₫200,685,500.69	−₫1,008,469.85

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20220.6396	–	₫202,206,395.71
Regency FX Cheapest	20166.0438	$0.00	₫201,660,438.44	−₫545,957.27
Wise	20223.9000	$46.60	₫201,296,566.00	−₫909,829.71
OFX	20119.5364	$0.00	₫201,195,363.73	−₫1,011,031.98

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20196.8812	–	₫201,968,812.23
Regency FX Cheapest	20142.3496	$0.00	₫201,423,496.44	−₫545,315.79
Wise	20235.6000	$46.60	₫201,413,021.00	−₫555,791.23
OFX	20095.8968	$0.00	₫200,958,968.17	−₫1,009,844.06

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20237.4795	–	₫202,374,794.52
Regency FX Cheapest	20182.8383	$0.00	₫201,828,382.57	−₫546,411.95
Wise	20236.7000	$46.60	₫201,423,970.00	−₫950,824.52
OFX	20136.2921	$0.00	₫201,362,920.55	−₫1,011,873.97

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20240.9497	–	₫202,409,497.17
Regency FX Cheapest	20186.2992	$0.00	₫201,862,991.53	−₫546,505.64
Wise	20241.0000	$46.60	₫201,466,769.00	−₫942,728.17
OFX	20139.7450	$0.00	₫201,397,449.68	−₫1,012,047.49

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20241.1552	–	₫202,411,552.29
Regency FX Cheapest	20186.5041	$0.00	₫201,865,041.10	−₫546,511.19
Wise	20242.6000	$46.60	₫201,482,695.00	−₫928,857.29
OFX	20139.9495	$0.00	₫201,399,494.53	−₫1,012,057.76

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20237.2329	–	₫202,372,329.18
Regency FX Cheapest	20182.5924	$0.00	₫201,825,923.89	−₫546,405.29
Wise	20237.7000	$46.60	₫201,433,923.00	−₫938,406.18
OFX	20136.0468	$0.00	₫201,360,467.53	−₫1,011,861.65

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20211.7631	–	₫202,117,631.41
Regency FX Cheapest	20157.1914	$0.00	₫201,571,913.81	−₫545,717.60
Wise	20209.6000	$46.60	₫201,154,233.00	−₫963,398.41
OFX	20110.7043	$0.00	₫201,107,043.25	−₫1,010,588.16

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20238.4065	–	₫202,384,064.96
Regency FX Cheapest	20183.7628	$0.00	₫201,837,627.98	−₫546,436.98
OFX	20137.2145	$0.00	₫201,372,144.64	−₫1,011,920.32
Wise	20216.3000	$46.60	₫201,220,920.00	−₫1,163,144.96

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20196.0921	–	₫201,960,921.25
Regency FX Cheapest	20141.5627	$0.00	₫201,415,626.76	−₫545,294.49
Wise	20194.2000	$46.60	₫201,000,950.00	−₫959,971.25
OFX	20095.1117	$0.00	₫200,951,116.64	−₫1,009,804.61

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20156.6810	–	₫201,566,809.85
Regency FX Cheapest	20102.2579	$0.00	₫201,022,579.46	−₫544,230.39
Wise	20157.6000	$46.60	₫200,636,656.00	−₫930,153.85
OFX	20055.8976	$0.00	₫200,558,975.80	−₫1,007,834.05

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20163.1306	–	₫201,631,306.10
Regency FX Cheapest	20108.6902	$0.00	₫201,086,901.57	−₫544,404.53
Wise	20161.9000	$46.60	₫200,679,455.00	−₫951,851.10
OFX	20062.3150	$0.00	₫200,623,149.57	−₫1,008,156.53

Thu, 29 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20159.2506	–	₫201,592,506.17
Regency FX Cheapest	20104.8206	$0.00	₫201,048,206.40	−₫544,299.77
Wise	20158.5000	$46.60	₫200,645,614.00	−₫946,892.17
OFX	20058.4544	$0.00	₫200,584,543.64	−₫1,007,962.53

Fri, 30 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20197.2564	–	₫201,972,564.14
Regency FX Cheapest	20142.7238	$0.00	₫201,427,238.22	−₫545,325.92
Wise	20196.1000	$46.60	₫201,019,862.00	−₫952,702.14
OFX	20096.2701	$0.00	₫200,962,701.32	−₫1,009,862.82

Sat, 31 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20177.8398	–	₫201,778,397.64
Regency FX Cheapest	20123.3596	$0.00	₫201,233,595.97	−₫544,801.67
Wise	20189.0000	$46.60	₫200,949,193.00	−₫829,204.64
OFX	20076.9506	$0.00	₫200,769,505.65	−₫1,008,891.99

Mon, 2 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20166.9697	–	₫201,669,697.15
Regency FX Cheapest	20112.5189	$0.00	₫201,125,188.97	−₫544,508.18
Wise	20167.8000	$46.60	₫200,738,181.00	−₫931,516.15
OFX	20066.1349	$0.00	₫200,661,348.66	−₫1,008,348.49

Tue, 3 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20112.5543	–	₫201,125,543.04
Regency FX Cheapest	20058.2504	$0.00	₫200,582,504.07	−₫543,038.97
Wise	20113.7000	$46.60	₫200,199,702.00	−₫925,841.04
OFX	20011.9915	$0.00	₫200,119,915.32	−₫1,005,627.72

Wed, 4 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20129.0550	–	₫201,290,549.66
Regency FX Cheapest	20074.7065	$0.00	₫200,747,065.18	−₫543,484.48
Wise	20127.9000	$46.60	₫200,341,040.00	−₫949,509.66
OFX	20028.4097	$0.00	₫200,284,096.91	−₫1,006,452.75

Thu, 5 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	20123.9603	–	₫201,239,603.04
Regency FX Cheapest	20069.6256	$0.00	₫200,696,256.11	−₫543,346.93
Wise	20125.0000	$46.60	₫200,312,175.00	−₫927,428.04
OFX	20023.3405	$0.00	₫200,233,405.02	−₫1,006,198.02

Fri, 6 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19977.1244	–	₫199,771,244.24
Regency FX Cheapest	19923.1862	$0.00	₫199,231,861.88	−₫539,382.36
Wise	19979.3000	$46.60	₫198,861,965.00	−₫909,279.24
OFX	19877.2388	$0.00	₫198,772,388.02	−₫998,856.22

Sat, 7 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19945.7527	–	₫199,457,526.85
Regency FX Cheapest	19891.8992	$0.00	₫198,918,991.53	−₫538,535.32
Wise	19941.9000	$46.60	₫198,489,707.00	−₫967,819.85
OFX	19846.0239	$0.00	₫198,460,239.22	−₫997,287.63

Sun, 8 Nov 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	19944.1977	–	₫199,441,977.07
Regency FX Cheapest	19890.3484	$0.00	₫198,903,483.73	−₫538,493.34
Wise	19941.9000	$46.60	₫198,489,707.00	−₫952,270.07
OFX	19844.4767	$0.00	₫198,444,767.18	−₫997,209.89

How to send money to Vietnam from Singapore with the best SGD-VND rate

Best companies for SGD/VND transfers