How to send money to Vietnam from the US with the best USD-VND rate
We compared 9 companies sending money from the United States to Vietnam. TapTap Send is the best and cheapest, while Revolut is the fastest.
Sending $7,000 with TapTap Send gets your recipient 179,200,000 VND at 25,600.0000 VND per USD.
Best companies for USD/VND transfers
9 of 9 providers
Last updated on 10 November 2026i
This page updates weekly. We collect, store, and analyze USD/VND exchange rates from our comparisons.
Based on 7,000 USD transfer
Best companies for USD/VND transfers
All money transfer offers for USD/VND transfers, sorted by most VND received. The first two offers may be sponsored promotions. Some offers here pay us a commission.
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 USD = 25348.0000 VND
₫177,436,000.00You pay$7,000.00
Run a live search
Showing top United States to Vietnam deals for 7,000 USD. 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 USD 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 USD you're planning to spend in Vietnam.
Run a live search
These are managed services with real human support for large USD transfers. Click the link and update the transfer amount to get the best deal.
Mid-market rate: 1 USD = 25579.0000 VNDUpdates every 60 minutes.
Transfer details
How to send money from US to Vietnam
Pick a company
If you're sending a one-off transfer, then TapTap Send is the best option.
TapTap Send was the cheapest on 7 of the 30 days it quoted $7,000 transfers to Vietnam.
For recurring transfers, I'd suggest using an app like TapTap Send or a multi-currency account.
For large transfers, a broker like Regency FX is the best option.
If your recipient needs cash, MoneyGram is the cheapest.
How much you send will affect the best option for you right now.
Pay for it
You have 4 ways to pay for your transfer to Vietnam, including bank transfer, debit card, credit card, and cash deposit.
Usually, using bank transfer to fund your transfer is the cheapest but slowest option (ACH and takes a few days).
You can use a debit card, Apple Pay and Google Pay for quicker deposit but it's a bit more expensive.
I suggest avoiding credit cards since these are most expensive and have cash advance fees (Amex is very rarely accepted in general).
Check and send
First time round you'll need to confirm who you are.
An SSN isn't required, an ITIN or a foreign passport works with most companies here.
Compare amounts
How much USD are you sending to Vietnam?
How much USD 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 TapTap Send was the cheapest in 23% of the transfers from $5,000 it quoted, and in 20% of all the transfers it quoted.
How much more the cheapest provider gets you than the average of all providers we compared at this amount.
Cheapest service
$500
-0.29%
$0.00
₫12,825,970.00with remitly wallet to bank deposit
+₫478,723.54
$2,000
-0.09%
$0.00
₫51,200,000.00with debit card to bank deposit
+₫977,539.96
$5,000
-0.08%
$0.00
₫128,000,000.00with debit card to bank deposit
+₫1,713,851.32
$7,000This page
-0.08%
$0.00
₫179,200,000.00with debit card to bank deposit
+₫2,190,534.20
$10,000
-0.09%
$0.00
₫256,000,000.00with debit card to bank deposit
+₫3,125,246.69
$50,000
-0.08%
$0.00
₫1,280,000,000.00with debit card to bank deposit
+₫18,033,517.36
$100,000
-0.09%
$0.00
₫2,560,000,000.00with debit card to bank deposit
+₫35,698,593.90
$250,000
-0.08%
$0.00
₫6,400,000,000.00with debit card to bank deposit
+₫89,649,155.32
Mid-market rate: 1 USD = 25579.0000 VND
USD/VND Exchange Rate History
Is today a good time to send money from US to Vietnam?
The cheapest way to send USD 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 TapTap Send), across 30 days of comparisons for 7,000 USD transfers to Vietnam.
Show on chart
VND received for $7,000, after fees
Tue, Nov 10, 2026Mid-market rate₫179,053,000.00TapTap Send₫179,200,000.00TapTap Send₫179,200,000.00Regency FX₫178,569,556.90OFX₫178,157,735.00
177.5M
178.0M
178.5M
179.0M
179.5M
180.0M
180.5M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXOFX
Nov 4Nov 5Nov 6Nov 7Nov 8Nov 9Nov 10
177M
178M
179M
180M
181M
182M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXOFX
Oct 12Oct 22Oct 31Nov 10
176M
178M
180M
182M
184M
186M
188M
At the mid-market rateWith the cheapest optionTapTap SendRegency FXOFX
Aug 13Sep 12Oct 11Nov 10
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25901.5000
–
₫181,310,500.00
Locked-in rate
Regency FXCheapest
25831.5660
$0.00
₫180,820,961.65
−₫489,538.35
Locked-in rate
OFX
25771.9925
$0.00
₫180,403,947.50
−₫906,552.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,760,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25906.5000
–
₫181,345,500.00
Locked-in rate
Regency FXCheapest
25836.5524
$0.00
₫180,855,867.15
−₫489,632.85
Locked-in rate
OFX
25776.9675
$0.00
₫180,438,772.50
−₫906,727.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,795,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25887.5000
–
₫181,212,500.00
Locked-in rate
Regency FXCheapest
25817.6037
$0.00
₫180,723,226.25
−₫489,273.75
Locked-in rate
OFX
25758.0625
$0.00
₫180,306,437.50
−₫906,062.50
Locked-in rate
TapTap Send
25750.0000
$0.00
₫180,250,000.00
−₫962,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25876.5000
–
₫181,135,500.00
Locked-in rate
Regency FXCheapest
25806.6335
$0.00
₫180,646,434.15
−₫489,065.85
Locked-in rate
TapTap Send
25750.0000
$0.00
₫180,250,000.00
−₫885,500.00
Locked-in rate
OFX
25747.1175
$0.00
₫180,229,822.50
−₫905,677.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25873.5000
–
₫181,114,500.00
Locked-in rate
Regency FXCheapest
25803.6416
$0.00
₫180,625,490.85
−₫489,009.15
Locked-in rate
OFX
25744.1325
$0.00
₫180,208,927.50
−₫905,572.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,564,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25894.5000
–
₫181,261,500.00
Locked-in rate
Regency FXCheapest
25824.5848
$0.00
₫180,772,093.95
−₫489,406.05
Locked-in rate
OFX
25765.0275
$0.00
₫180,355,192.50
−₫906,307.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,711,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25894.5000
–
₫181,261,500.00
Locked-in rate
Regency FXCheapest
25824.5848
$0.00
₫180,772,093.95
−₫489,406.05
Locked-in rate
OFX
25765.0275
$0.00
₫180,355,192.50
−₫906,307.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,711,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25903.0000
–
₫181,321,000.00
Locked-in rate
Regency FXCheapest
25833.0619
$0.00
₫180,831,433.30
−₫489,566.70
Locked-in rate
OFX
25773.4850
$0.00
₫180,414,395.00
−₫906,605.00
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫1,421,000.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25877.5000
–
₫181,142,500.00
Locked-in rate
Regency FXCheapest
25807.6308
$0.00
₫180,653,415.25
−₫489,084.75
Locked-in rate
OFX
25748.1125
$0.00
₫180,236,787.50
−₫905,712.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,592,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25873.5000
–
₫181,114,500.00
Locked-in rate
Regency FXCheapest
25803.6416
$0.00
₫180,625,490.85
−₫489,009.15
Locked-in rate
OFX
25744.1325
$0.00
₫180,208,927.50
−₫905,572.50
Locked-in rate
TapTap Send
25600.0000
$0.00
₫179,200,000.00
−₫1,914,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25839.0000
–
₫180,873,000.00
Locked-in rate
Regency FXCheapest
25769.2347
$0.00
₫180,384,642.90
−₫488,357.10
Locked-in rate
OFX
25709.8050
$0.00
₫179,968,635.00
−₫904,365.00
Locked-in rate
TapTap Send
25600.0000
$0.00
₫179,200,000.00
−₫1,673,000.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25828.5000
–
₫180,799,500.00
Locked-in rate
Regency FXCheapest
25758.7631
$0.00
₫180,311,341.35
−₫488,158.65
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫899,500.00
Locked-in rate
OFX
25699.3575
$0.00
₫179,895,502.50
−₫903,997.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25842.5000
–
₫180,897,500.00
Locked-in rate
Regency FXCheapest
25772.7252
$0.00
₫180,409,076.75
−₫488,423.25
Locked-in rate
OFX
25713.2875
$0.00
₫179,993,012.50
−₫904,487.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,347,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25842.5000
–
₫180,897,500.00
Locked-in rate
Regency FXCheapest
25772.7252
$0.00
₫180,409,076.75
−₫488,423.25
Locked-in rate
OFX
25713.2875
$0.00
₫179,993,012.50
−₫904,487.50
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫1,347,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25845.5000
–
₫180,918,500.00
Locked-in rate
Regency FXCheapest
25775.7172
$0.00
₫180,430,020.05
−₫488,479.95
Locked-in rate
TapTap Send
25750.0000
$0.00
₫180,250,000.00
−₫668,500.00
Locked-in rate
OFX
25716.2725
$0.00
₫180,013,907.50
−₫904,592.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25833.5000
–
₫180,834,500.00
Locked-in rate
Regency FXCheapest
25763.7496
$0.00
₫180,346,246.85
−₫488,253.15
Locked-in rate
OFX
25704.3325
$0.00
₫179,930,327.50
−₫904,172.50
Locked-in rate
TapTap Send
25680.0000
$0.00
₫179,760,000.00
−₫1,074,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25844.5000
–
₫180,911,500.00
Locked-in rate
Regency FXCheapest
25774.7199
$0.00
₫180,423,038.95
−₫488,461.05
Locked-in rate
OFX
25715.2775
$0.00
₫180,006,942.50
−₫904,557.50
Locked-in rate
TapTap Send
25600.0000
$0.00
₫179,200,000.00
−₫1,711,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25832.5000
–
₫180,827,500.00
Locked-in rate
Regency FXCheapest
25762.7523
$0.00
₫180,339,265.75
−₫488,234.25
Locked-in rate
OFX
25703.3375
$0.00
₫179,923,362.50
−₫904,137.50
Locked-in rate
TapTap Send
25600.0000
$0.00
₫179,200,000.00
−₫1,627,500.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25799.5000
–
₫180,596,500.00
Locked-in rate
Regency FXCheapest
25729.8413
$0.00
₫180,108,889.45
−₫487,610.55
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫696,500.00
Locked-in rate
OFX
25670.5025
$0.00
₫179,693,517.50
−₫902,982.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25803.5000
–
₫180,624,500.00
Locked-in rate
Regency FXCheapest
25733.8305
$0.00
₫180,136,813.85
−₫487,686.15
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫724,500.00
Locked-in rate
OFX
25674.4825
$0.00
₫179,721,377.50
−₫903,122.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25803.5000
–
₫180,624,500.00
Locked-in rate
Regency FXCheapest
25733.8305
$0.00
₫180,136,813.85
−₫487,686.15
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫724,500.00
Locked-in rate
OFX
25674.4825
$0.00
₫179,721,377.50
−₫903,122.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25785.0000
–
₫180,495,000.00
Locked-in rate
Regency FXCheapest
25715.3805
$0.00
₫180,007,663.50
−₫487,336.50
Locked-in rate
TapTap Send
25700.0000
$0.00
₫179,900,000.00
−₫595,000.00
Locked-in rate
OFX
25656.0750
$0.00
₫179,592,525.00
−₫902,475.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25737.0000
–
₫180,159,000.00
Locked-in rate
TapTap SendCheapest
25700.0000
$0.00
₫179,900,000.00
−₫259,000.00
Locked-in rate
Regency FX
25667.5101
$0.00
₫179,672,570.70
−₫486,429.30
Locked-in rate
OFX
25608.3150
$0.00
₫179,258,205.00
−₫900,795.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25738.5000
–
₫180,169,500.00
Locked-in rate
Regency FXCheapest
25669.0060
$0.00
₫179,683,042.35
−₫486,457.65
Locked-in rate
TapTap Send
25650.0000
$0.00
₫179,550,000.00
−₫619,500.00
Locked-in rate
OFX
25609.8075
$0.00
₫179,268,652.50
−₫900,847.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25682.5000
–
₫179,777,500.00
Locked-in rate
TapTap SendCheapest
25685.0000
$0.00
₫179,795,000.00
+₫17,500.00
Locked-in rate
Regency FX
25613.1573
$0.00
₫179,292,100.75
−₫485,399.25
Locked-in rate
OFX
25554.0875
$0.00
₫178,878,612.50
−₫898,887.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25607.5000
–
₫179,252,500.00
Locked-in rate
TapTap SendCheapest
25685.0000
$0.00
₫179,795,000.00
+₫542,500.00
Locked-in rate
Regency FX
25538.3597
$0.00
₫178,768,518.25
−₫483,981.75
Locked-in rate
OFX
25479.4625
$0.00
₫178,356,237.50
−₫896,262.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25582.5000
–
₫179,077,500.00
Locked-in rate
TapTap SendCheapest
25600.0000
$0.00
₫179,200,000.00
+₫122,500.00
Locked-in rate
Regency FX
25513.4273
$0.00
₫178,593,990.75
−₫483,509.25
Locked-in rate
OFX
25454.5875
$0.00
₫178,182,112.50
−₫895,387.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25582.5000
–
₫179,077,500.00
Locked-in rate
TapTap SendCheapest
25600.0000
$0.00
₫179,200,000.00
+₫122,500.00
Locked-in rate
Regency FX
25513.4273
$0.00
₫178,593,990.75
−₫483,509.25
Locked-in rate
OFX
25454.5875
$0.00
₫178,182,112.50
−₫895,387.50
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25512.0000
–
₫178,584,000.00
Locked-in rate
TapTap SendCheapest
25600.0000
$0.00
₫179,200,000.00
+₫616,000.00
Locked-in rate
Regency FX
25443.1176
$0.00
₫178,101,823.20
−₫482,176.80
Locked-in rate
OFX
25384.4400
$0.00
₫177,691,080.00
−₫892,920.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Mid-market rate
25579.0000
–
₫179,053,000.00
Locked-in rate
TapTap SendCheapest
25600.0000
$0.00
₫179,200,000.00
+₫147,000.00
Locked-in rate
Regency FX
25509.9367
$0.00
₫178,569,556.90
−₫483,443.10
Locked-in rate
OFX
25451.1050
$0.00
₫178,157,735.00
−₫895,265.00
Exchange rate
Fee
Recipient gets
Difference
How much more or less the recipient gets against the mid-market rate.
Exchange rate
Fee
Recipient gets
Difference
Mid-market rate
25579.0000
–
₫179,053,000.00
TapTap Send
Regency FX
OFX
Xe
Each line shows what the recipient gets when you send $7,000, after fees, as quoted by each company. The mid-market line shows what $7,000 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.
Understanding USD/VND exchange rate
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 USD than the mid-market rate can offer.
This could be due to money transfer offers, FX rate adjustments, or market competitiveness.
In the past month, a money transfer company beat the mid-market rate on 6 of the last 30 days.
Right now, TapTap Send pays 179,200,000 VND on 7,000 USD, which is 147,000 VND more than the mid-market amount, so it's a good deal (pretty much free money).
Today's payout isn't the best this month though, since the highest receive amount was 180,855,867.15 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.
If you need to send money now, it's a good time to send.
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 240 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.
Transfer amount
Locked-in rate
TapTap SendAppeared in 56 comparisons
Cheapest in 79% of them
Locked-in rate
Regency FXAppeared in 35 comparisons
Cheapest in 14% of them
Locked-in rate
OFXAppeared in 56 comparisons
Never the cheapest
Nov 4Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 56 comparisons across 8 amounts over the last 7 days.
Locked-in rate
TapTap SendAppeared in 240 comparisons
Cheapest in 20% of them
Locked-in rate
Regency FXAppeared in 150 comparisons
Cheapest in 77% of them
Locked-in rate
OFXAppeared in 238 comparisons
Cheapest in 0% of them
Oct 12Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 240 comparisons across 8 amounts over the last 30 days.
Locked-in rate
TapTap SendAppeared in 545 comparisons
Cheapest in 15% of them
Locked-in rate
Regency FXAppeared in 275 comparisons
Cheapest in 83% of them
Locked-in rate
OFXAppeared in 543 comparisons
Cheapest in 10% of them
Aug 13Nov 10
Cheapest that dayNot cheapestNo quoteNo data collected
Based on 545 comparisons across 8 amounts over the last 90 days.
Is the cheapest money transfer company always the best?
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 analyze companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).
Today TapTap Send is the cheapest and gets you the most VND, but it was the cheapest in only 20% of the 240 comparisons it appeared in over the past month.
Regency FX (today's second cheapest) was the cheapest in 77% of its comparisons, so if you send money to Vietnam regularly, it's worth comparing it with TapTap Send before each transfer.
If it's a one-off transfer, go with TapTap Send, since it's the cheapest right now.
Ways to send money from the US to Vietnam
There are 9 companies available for sending money from the US to Vietnam, across app, currency broker, online, multi-currency account, global business account, and in person, and more.
For regular transfers home
Money transfer apps
If you send a few hundred dollars home every payday, an app is usually the cheapest way and the least work.
TapTap Send charges $0 on a $7,000 transfer with -0.08% markup, saves your recipient's details for next time, and VND arrives in minutes.
Over the past month, TapTap Send was the cheapest app on 57% of the days it appeared for $7,000 transfers.
Funding from a US bank account or debit card avoids the 1% federal tax that applies to cash-funded transfers.
Sending without a US bank account
Cash & in-person transfers
Paying in cash at an agent can work without a US bank account.
The ID accepted depends on the company and the amount, so check before visiting if you do not have an SSN.
Hand $7,000 to a MoneyGram agent in the US, and your recipient will get 177,413,775 VND in minutes - 24 hours.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
However, transfers funded with cash or a money order carry a 1% federal tax since January 1, 2026. To avoid it, fund with a debit card or bank account instead (most agents take both).
For one-off transfers
Online transfers
For a one-off transfer, an online service funded from your checking account is usually the cheapest way to send money to Vietnam.
Of all online companies listed here, Wise gets you the most VND per USD.
On a $7,000 transfer, you will get 177,896,877 VND after a $45.47 fee and 0% markup.
In our comparisons over the past month, it was the cheapest online service on 26 of the 30 days it quoted.
But, bank funding (ACH) takes 1 to 3 business days to clear, while debit cards (and Google Pay/Apple Pay) are usually instant but cost a bit more.
For transfers over $10,000
Currency brokers
For large transfers to Vietnam (e.g. a property purchase, tuition, or moving to Vietnam), a broker like Regency FX charges no fee, gives you a dedicated account manager, and adds 0.27% markup on USD/VND that gets lower the more you send.
Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from $5,000 it quoted.
It's also good to check Wise since you get a bulk discount on transfers over $25,000 (per month).
Business payments from the US
Global accounts
Global accounts are for US businesses paying people abroad.
Companies like Airwallex, WorldFirst, or Payoneer handle the recurring and batch payments, invoicing, tracking, and more.
Holding & spending currencies
Multi-currency accounts
A multi-currency account like Wise is the best for holding and receiving VND.
This is useful for traveling to Vietnam, building up VND balance, or receiving payments in VND.
Wise converts $7,000 at 0% markup plus small fee and holds the VND until you spend it.
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
Ways to fund USD and receive VND in Vietnam
With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending $7,000 gives your recipient 179,200,000 VND.
Deposit USD by bank transfer, debit card, credit card, and cash deposit.
The simplest way is to pay from your US checking account
Pay by bank transfer using your routing and account numbers.
An ACH payment is usually cheaper than a card, but it may take some time for it to clear before a money transfer company can send the money to Vietnam.
You can deposit cash
You'll need to visit the nearest MoneyGram branch and hand over $7,000.
MoneyGram is the cheapest option and will get you 177,413,775 VND on a $7,000 transfer after fees.
Transfers funded with physical cash are subject to the 1% US remittance transfer tax, but funding from a US bank account or with a US-issued debit or credit card is exempt.
Zelle and Cash App only send money within the US, so neither can send money to Vietnam.
Your recipient in Vietnam can collect VND through bank deposit, cash delivery, cash pickup, mobile money, and mobile wallet.
They can collect cash in Vietnam
Your recipient can collect VND from a participating MoneyGram location in Vietnam.
They should take a valid photo ID and the collection reference, and check that the name on the transfer matches their ID.
1
Debit card→Bank deposit
You pay $7,000.00
₫179,200,000
Cheapest
2
Debit card→Cash delivery
You pay $7,000.00
₫179,200,000
₫0
3
Debit card→Mobile money
You pay $7,000.00
₫179,200,000
₫0
4
Bank transfer→Bank deposit
You pay $7,000.00
₫178,569,557
-₫630,443
5
Bank transfer→Cash delivery
You pay $7,001.99
₫177,413,775
-₫1,786,225
Show moreShow less
6
Credit card→Cash delivery
You pay $7,070.00
₫177,413,775
-₫1,786,225
7
Credit card→Bank deposit
You pay $7,177.99
₫177,307,912
-₫1,892,088
8
Bank transfer→Mobile wallet
You pay $7,001.99
₫177,246,686
-₫1,953,314
9
Debit card→Mobile wallet
You pay $7,000.49
₫177,058,722
-₫2,141,278
10
Credit card→Mobile wallet
You pay $7,210.00
₫177,058,722
-₫2,141,278
11
Bank transfer→Cash pickup
You pay $7,000.99
₫176,867,278
-₫2,332,722
12
Debit card→Cash pickup
You pay $7,000.00
₫176,292,448
-₫2,907,552
13
Cash deposit→Cash pickup
You pay $7,060.79
₫175,587,720
-₫3,612,280
14
Credit card→Cash pickup
You pay $7,179.99
₫175,180,189
-₫4,019,811
Things to consider before sending USD to Vietnam
The way you fund the transfer now affects the tax, while US law gives you specific rights if something goes wrong.
1
Find the right USD/VND company
Cheapest way to send money to Vietnam
The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 179,200,000 VND, which is 0.35% more than the next best option.
Fastest way to send money to Vietnam
The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 177,333,780 VND, with the money arriving in within minutes.
2
Cash-funded transfers now carry a 1% tax
Since January 1, 2026, a 1% federal tax applies when an international transfer is funded with cash, a money order, a cashier's check or a traveler's check.
Funding from a US bank account, including ACH, or with a US-issued debit or credit card is exempt.
The rule applies to how you pay in, so your recipient can still collect cash without triggering the tax.
3
The $10,000 rule is not a transfer limit
There is no federal cap on how much of your own money you can send electronically abroad.
Your bank or transfer company can set its own limit and ask for proof of where a large or unusual payment came from.
Cash reports and the declaration for physically carrying more than $10,000 across the US border are separate rules.
Do not split cash transactions to avoid a report.
4
You normally have 30 minutes to cancel
The US Remittance Transfer Rule requires a covered company to show the exchange rate, fees and expected amount received before you pay.
You can normally cancel within 30 minutes at no charge, provided the money has not been deposited or collected.
You also have error-resolution rights if the wrong amount arrives or the transfer never turns up.
For transfers over $10,000, Regency FX is the best option.
It offers the best exchange rate, which is more important than the fee for large transfers to Vietnam.
While Regency FX may not always be the cheapest or fastest way to send VND, they offer years of experience, and will offer you the peace of mind you need when sending large amounts abroad.
How we analyze the market
We track, save, and analyze the cost, speed, and product offerings of the leading money transfer services available between Vietnam and the United States.
We work with leading money transfer companies to provide real time fees and exchange rates. In the past 30 days alone, we analyzed 240 comparisons across 8 amounts.
This page covers the cheapest and fastest options for USD/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.
For a deeper understanding of our commitment to integrity and transparency, check out these articles:
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