Best Value Methods to Transfer Money From the USA to Vietnam in 2025

Transferring money doesn’t have to be expensive. For the most cost-effective way to send money from the USA to Vietnam, consider all available methods, including their respective costs, speed, fees, and exchange rates. In 2025, there is an increase in accessible global remittance options, enabling efficient and low-cost international money transfers. This guide highlights trustworthy platforms for women in the US to send money to Vietnam without incurring extra costs.

The Importance of Finding an Inexpensive Remittance Technique

Vietnam has the eighth-largest diaspora population globally. Billions of dollars in support, business payments and investments are sent by Vietnamese Americans annually. The affordability of the remittance method from the USA to Vietnam ensures that the intended recipient receives the amount intended and reduces the losses caused by high fees or poor exchange rates.

Key Considerations When Sending Money From the USA To Vietnam

Platform Transfer Fees: Some platforms set a fixed fee for transfer, while others take a percentage cut.

Exchange Rate Margin: Check whether there is an extra charge on the mid-market rate, also known as the mark-up.

Transfer Speed: Does it take 3-5 days, same-day, or is the transfer instant?

Receiving Method: Bank deposit, Cash pickup, mobile wallet, or card-to-card.

Compliance & Security: Check if the platform is under the jurisdiction of the U.S. authorities.

The Most Efficient Platforms for Transferring Money to Vietnam

For a better comparison, we have outlined the most cost-effective remittance services/solutions to Vietnam for the year 2025:

1. Online Money Transfer Services

Services such as Wise (formerly known as TransferWise), Remitly, and WorldRemit are renowned for their low prices and cost-effective services. Wise is perfect for people who wish to transfer money to a Vietnamese bank account. Remitly helps with quick transfers and offers express services. WorldRemit facilitates both mobile wallet and bank transfers. These services allow transferring USD to VND at market exchange rates and low fees.

2. Money Transfer Apps to Vietnam

The rise of fintech has led to the emergence of money transfer apps such as Xoom (by PayPal), OFX, and Paysend. These apps are welcome competitors to banks as they tend to have higher exchange rates and lower fees. With these apps, users can send money directly from their debit or bank accounts and even credit cards.

They work great for amounts under a less than $1,000.

3. Traditional Banks

Wells Fargo, Chase and Bank of America all offer international money transfers to Vietnam, although they charge more in fees and have less favourable exchange rates. As far as recommendations go, this option is the least favourable for anyone unless you’re transferring a large amount of money and desire high-tier assistance.

4. Cryptocurrency and Blockchain Transfers

By 2025, sending tentatively stablecoins like USDC or USDT will have gained acceptance. Sending and receiving also require crypto wallets along with basic tech understanding.

5. BizPay by TransFi (Product Integration)

Businesses or freelancers working in Vietnam with clients or vendors will find BizPay by TransFi extremely helpful.

Designed specifically for fast and inexpensive cross-border transactions, remittances from the USA to Vietnam are where BizPay shines. Remittance services are Super and customizable for heavy transaction volumes, low foreign exchange margins and USD to VND payouts make it more appealing.

Global companies can utilise it because it is compliant and easy to integrate into existing financial workflow systems. Businesses looking for the most affordable option will find BizPay reliable and scalable when sending money to Vietnam.

Exchange Rate Watch: USD to VND

Remitly, WorldRemit, Xoom, and Wise all have different fee structures but gold rate exchange markups which vary between $0.5 to $7 make transacting to Vietnam expensive. If you observe the USA USA-marked USD benchmark, savings turn to the thousands when paying the markups in bulk. In 2025, 1 USD roughly converts to 24000-25000 VND.

Avoid the Americans' traditional approach to transferring, also known as banks, and opt for placing wagers with convenient post-payment comparison. Instantly pre-compare total cost, revealing platforms like BizPay and Remitly. Mobilising fund payout through local bank deposit or mobile wallet yields further savings.

Conclusion: What's the Best Way?

For the most economical remittance method from the USA to Vietnam, in terms of ease, it's preferred to send small, private cash amounts through the latest applications such as Wise and Remitly, which are simple. For larger corporate payments, BizPay is the most cost-efficient and scalable solution.

If you utilise services that have favourable exchange rates, clear pricing, and efficient transfer speeds, your funds can reach Vietnam in an economical manner.

FAQs

Q1: What is the best way to send money to Vietnam from the US in 2025?
A: For personal purposes, Wise and Remitly are recommended. For business purposes, BizPay by TransFi is highly suggested.

Q2: Which app is cheapest to transfer USD to VND?
A: Wise typically has the most inexpensive service fee and the highest markup on exchange rates.

Q3: Can I use PayPal or Venmo to send money to Vietnam?
A: Xoom on PayPal works, but Venmo does not enable international transfers.

Q4: How long does it take to send money to Vietnam?
A: It depends on the platform used: the typical range is instant to 3 days.

Q5: Is BizPay only for businesses?
A: Yes, BizPay is tailored for companies, freelancers, and bulk remittances, excluding personal transfers.

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