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Send money from Hong Kong to Vietnam(HKD → VND)
HKD
VND|Pricing observed Mid-market 3301.8301Top-ranked estimateof 4 providers
InstaReM
Rate 3284.3304 · Fee HK$26.50
You send
HK$5,000
Estimated receipt
₫16,334,617
₫1,557,200 more than the lowest estimate · 0.53% markup vs mid-market
Affiliate link · No extra cost to you
Quick answer: For 5,000 HKD to VND, InstaReM ranks first among 4 provider estimates, with an estimated payout of 16,334,617.23 VND. The first-ranked estimate pays 1,557,190.62 VND more than the lowest estimate in this comparison.
Latest pricing observation: . Payouts are estimated from collected fees and markups with a mid-market reference. Collection schedules vary by source. Quotes are collected by currency pair, so we cannot confirm that every provider serves Hong Kong specifically — check availability, funding method and delivery method with the provider before you commit. How we collect and rank quotes.
What is the cheapest way to send HKD to VND?
Sending HK$5,000 from Hong Kong to Vietnam. Ranked by estimated payout, with customer ratings used for closely matched results.
Source: SendMoneyCompare · Estimated payouts from collected pricing and mid-market rates
#ProviderRateFeeRecipient getsSend
Rate 3284.3304·Fee HK$26.50·0.53% markup
Rate 3282.6795·Fee HK$29.00·0.58% markup
Rate 3279.3777·Fee HK$34.00·0.68% markup
Rate 3123.8615·Fee HK$269.50·5.39% markup
Estimated payout difference: The first-ranked provider pays more than the lowest estimate by ₫1,557,190.62 on a HK$5,000 transfer.
Some links on this page are affiliate links — we may earn a commission at no extra cost to you. Rankings come from live transfer data and are ordered by what your recipient receives. Whether a provider pays us plays no part in that order. Where payouts land within 0.1% of each other — less than rates typically move between our updates — the higher-rated provider is listed first. Editorial policy
Looking for cheap money transfers from Hong Kong to Vietnam? We compare exchange rates, fees, and delivery times from every major provider to help you save on every transfer.
Hong Kong-based expats and immigrants regularly send money to Vietnam. The cost difference between providers can be significant — banks typically charge 3–5% in hidden exchange rate markups, while specialist services like Wise, Remitly, and WorldRemit offer rates much closer to the mid-market rate. Our comparison shows the total VND received from each provider after all fees and markups.
Which provider offers the best HKD to VND rate?
InstaReM
4.1Exchange rate
3284.3304
Fee
HK$26.50
Recipient gets
₫16,334,617.23
Speed
1-3 business days
Also available · Digital-asset rails
Crypto & stablecoin routes for HKD → VND
For a tech-comfortable sender, stablecoin rails can beat every bank and app. These aren't one-tap services — each is a fiat on-ramp → blockchain → local cash-out. Here's the all-in cost and how each works.
OKX P2PBeats mid-market
HashKey → Solana (USDC) → OKX P2P · ~1 second
16,667,296 VND
1.00% rebate all-in
+
OKX P2PBeats mid-market
HashKey → Solana (USDC) → OKX P2P · ~1 second
16,667,296 VND
1.00% rebate all-in
- 1HashKey HKD→USDC: 0.12%
- 2Solana network: 0.000250 USDC
- 3OKX P2P: 1% spread
- 40.00% withdrawal fee
Also routable via Solana (USDC), Polygon (USDC), Tron (USDT), Ethereum (USDC).
Source: OKX P2P API
Crypto rails involve exchange accounts, wallets, and price/liquidity risk. Costs are estimates from live exchange and network data, refreshed every 6 hours. Not financial advice.
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Example alert
HKD → VND · cheapest just changed
Sending 1,000 HKD today? The cheapest provider on this corridor changed overnight — same money in, more VND out. A bank wire is still the most expensive way to send it.
sendmoneycompare.com/send-money/hong-kong-to-vietnam
09:12Watch the card-funding fee
Two providers added a card-funding fee this morning. Paying by bank transfer is the cheaper route today.
Thu 16:40Guides, fees & how it works
Which provider is best for each transfer type?
Different providers excel at different things. Here's who's best for each use case on the Hong Kong to Vietnam route.
Cheapest transfer
InstaReM
Delivers the most VND for your money
Fastest transfer
InstaReM
Delivers in 1-3 business days
Cash pickup
Western Union
Widest cash pickup network
Bank transfer
InstaReM
Best rate for bank deposit to Vietnam
How to send money to Vietnam
Sending money to Vietnamis straightforward with the right provider. Here's how it works in 3 simple steps.
Step 1
Enter your transfer details
Choose how much HKD you want to send, compare providers above, and pick the one offering the best VND amount for your transfer to Vietnam.
Step 2
Add your recipient
Enter your recipient's details in Vietnam — you'll need their bank account number. Complete the provider’s verification before expecting delivery.
Step 3
Send & track your transfer
Choose an available funding method, confirm the final payout and arrival estimate, then keep your tracking reference.
What you need to send money to Vietnam
Make sure you have these details from your recipient before starting your transfer.
Full name
Recipient's full Vietnamese name as registered with their bank
Bank account number
Vietnamese bank account number (varies by bank, typically 10–19 digits)
Bank name & branch
Full bank name and branch (e.g. Vietcombank, Hoàn Kiếm Branch)
Note: Vietnam does not use IBAN. You need the recipient's bank account number, bank name, and branch. Some providers also support transfers via phone number linked to Vietnamese bank accounts.
Transfer examples: HKD to VND
See how much your recipient would get for common transfer amounts.
Send HK$500
ProviderFeeReceives
InstaReM
3284.33 · 1-3 business days
Western Union
3282.68 · 1 business day
Wise
3279.38 · 1-2 business days
OFX
3123.86 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$2.653284.33₫1,633,4621-3 business days
Western UnionHK$2.903282.68₫1,631,8201 business day
WiseHK$3.403279.38₫1,628,5391-2 business days
OFXHK$26.953123.86₫1,477,7431-3 business days
Send HK$1,000
ProviderFeeReceives
InstaReM
3284.33 · 1-3 business days
Western Union
3282.68 · 1 business day
Wise
3279.38 · 1-2 business days
OFX
3123.86 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$5.303284.33₫3,266,9231-3 business days
Western UnionHK$5.803282.68₫3,263,6401 business day
WiseHK$6.803279.38₫3,257,0781-2 business days
OFXHK$53.903123.86₫2,955,4851-3 business days
Send HK$5,000
ProviderFeeReceives
InstaReM
3284.33 · 1-3 business days
Western Union
3282.68 · 1 business day
Wise
3279.38 · 1-2 business days
OFX
3123.86 · 1-3 business days
ProviderFeeRateReceivesSpeed
InstaReMHK$26.503284.33₫16,334,6171-3 business days
Western UnionHK$29.003282.68₫16,318,2001 business day
WiseHK$34.003279.38₫16,285,3891-2 business days
OFXHK$269.503123.86₫14,777,4271-3 business days
How much does it cost to send money from Hong Kong to Vietnam?
Transfer fees from Hong Kong to Vietnam vary by provider. Specialist services charge HK$0–10 per transfer, while banks charge HK$25–50 plus a 2–5% exchange rate markup. The exchange rate markup is usually the bigger cost — always compare the total VND your recipient receives, not just the advertised fee.
Understanding the total cost
The true cost of a money transfer has two components:
Transfer fee
The upfront charge — typically HK$0–HK$10 with specialist providers.
Exchange rate markup
The hidden cost — the difference between the provider's rate and the mid-market rate (3301.8301).
Ways to send money to Vietnam
Choose how you want to pay for your transfer. Each payment method has different costs and speeds.
Bank deposit is the standard method in Vietnam. The NAPAS system connects all major Vietnamese banks for domestic interbank transfers.
Bank Transfer
Low costSpeed: 1–3 business days
Usually the cheapest option — lowest fees and no card processing charges
Debit Card
Medium costSpeed: Minutes to hours
Fast and convenient — small card processing fee applies
Credit Card
Higher costSpeed: Minutes to hours
Fastest option but highest fees — card issuer may charge cash advance fee
Cash
Medium costSpeed: Varies
Pay cash at an agent location — available at select providers
Apple Pay
Medium costSpeed: Minutes to hours
Convenient mobile payment — linked card fees apply
How can my recipient receive money in Vietnam?
Check these receiving options with the provider. Availability depends on the sending country, recipient and transfer conditions.
Bank Deposit
1–2 business days
Transfer to Vietnamese bank accounts through the NAPAS interbank system.
WiseRemitlyWorldRemitWestern Union
Cash Pickup
Minutes
Collect cash from bank branches and agent locations in Vietnam.
Western UnionMoneyGramRia Money Transfer
Home Delivery
1–2 days
Cash delivered to the recipient's address in major Vietnamese cities.
Western Union
What are the transfer limits and regulations for Vietnam?
Important rules and requirements to know before sending money to Vietnam.
Regulatory body
State Bank of Vietnam (SBV)
Inbound transfer limits
No cap on incoming remittances — Vietnam actively encourages diaspora remittances
Documentation you may need
- Sender's government-issued ID
- Recipient's Vietnamese ID card (CCCD) for cash pickups
Important things to know
- Vietnam has been one of the top remittance-receiving countries in Asia, with over $19 billion annually.
- Incoming remittances are exempt from personal income tax in Vietnam.
- The VND is managed by the SBV — exchange rates can be subject to policy decisions.
- Recipients can choose to receive in USD or VND for bank deposits, depending on the provider.
How long does it take to send money to Vietnam?
Most transfers from Hong Kong to Vietnam arrive within 1–2 business days with specialist providers. Bank wires take 3–5 business days. Some providers offer instant or same-day delivery to Vietnam for a small premium.
Delivery times shown here are published by the providers and payment schemes. We do not measure when transfers actually arrive, so treat them as estimates and confirm the time with your provider before you send.
Standard delivery
- InstaReM1-3 business days
- Western Union1 business day
- Wise1-2 business days
- OFX1-3 business days
Popular banks in Vietnam
These are the most commonly used banks for receiving international transfers in Vietnam.
BankSWIFT/BICNotes
Vietcombank
BFTCVNVXXXX
VietinBank
ICBVVNVXXXX
BIDV
BIDVVNVXXXX
Techcombank
VTCBVNVXXXX
MB Bank (Military Bank)
MABORVNVXXX
ACB (Asia Commercial Bank)
ASCBVNVXXXX
Frequently asked questions
Common questions about sending money from Hong Kong to Vietnam
What is the cheapest way to send money from Hong Kong to Vietnam?
The cheapest option changes daily based on exchange rates. Use our comparison table above to see today's rates from every provider. Specialist services like Wise, Remitly, and OFX consistently offer better value than banks.
How long does it take to send money from Hong Kong to Vietnam?
Most specialist providers deliver to Vietnam within 1–2 business days. Some offer instant delivery for certain payment methods. Bank wires typically take 3–5 business days.
How much does it cost to send HK$5,000 from Hong Kong to Vietnam?
Costs depend on the provider's fee and exchange rate markup. Compare all providers in our table above to see exactly how much VND your recipient would receive from a HK$5,000 transfer today.
Can I send money from Hong Kong to Vietnam online?
Yes, all the providers we compare support online transfers from Hong Kong to Vietnam. Most also offer mobile apps. You can typically pay by bank transfer, debit card, or credit card.
Is it better to use a bank or a money transfer service to send money to Vietnam?
Money transfer services are almost always cheaper. Banks typically charge HK$25–50 per wire plus a 2–5% exchange rate markup. Specialist providers charge HK$0–10 with markups under 1%, saving you significantly on every transfer to Vietnam.
More for this corridor
Everything about sending money to Vietnam
Recipient requirements, delivery methods, regulations, popular banks, and more.
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How does your bank compare?
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