Polynopsis

Cost to send money from the United States to Vietnam

By Polynopsis team · Last updated

Sending US$200 from the United States to Vietnam cost 5.27% of the amount on average in Q3 2025, across 35 services surveyed by the World Bank. The lowest cost was 0.00% (Walmart2World) and the highest 17.50%. A year earlier, in Q3 2024, the average was 5.82%.

Average total cost (US$200 equivalent)5.27%
Average total cost (US$500 equivalent)3.27%
Average FX margin1.18%
Money transfer operators4.84% across 32 services
Banks9.83% across 3 services
Surveyed13 Aug 2025 to 20 Aug 2025, 9 providers

Every service surveyed, cheapest first

Total cost is the fee plus the FX margin, as a share of USD 200.

ProviderTypePay byReceive asSpeedFeeFX marginTotal cost
Walmart2WorldMoney Transfer OperatorDebit cardCashLess than one hourUSD 0.000.00%0.00%
WiseMoney Transfer OperatorBank account transferBank accountSame dayUSD 3.210.00%1.60%
RiaMoney Transfer OperatorBank account transferBank account3-5 daysUSD 0.901.65%2.10%
RiaMoney Transfer OperatorDebit cardBank accountLess than one hourUSD 5.000.00%2.50%
MoneyGramMoney Transfer OperatorDebit cardBank accountLess than one hourUSD 1.991.54%2.54%
RiaMoney Transfer OperatorDebit cardBank accountLess than one hourUSD 1.901.65%2.60%
WiseMoney Transfer OperatorDebit cardBank accountLess than one hourUSD 5.340.00%2.67%
MoneyGramMoney Transfer OperatorDebit cardCashLess than one hourUSD 5.990.00%3.00%
Walmart2WorldMoney Transfer OperatorDebit cardCashLess than one hourUSD 5.990.00%3.00%
PangeaMoney Transfer OperatorDebit cardCash2 daysUSD 4.950.63%3.11%
Western UnionMoney Transfer OperatorBank account transferCash3-5 daysUSD 3.992.31%4.31%
XoomMoney Transfer OperatorBank account transferCashLess than one hourUSD 8.880.00%4.44%
XoomMoney Transfer OperatorBank account transferBank accountSame dayUSD 8.880.00%4.44%
XoomMoney Transfer OperatorBank account transferBank accountSame dayUSD 2.993.22%4.72%
XoomMoney Transfer OperatorBank account transferCashLess than one hourUSD 2.993.70%5.20%
RiaMoney Transfer OperatorCashCashLess than one hourUSD 7.002.05%5.55%
Western UnionMoney Transfer OperatorCredit cardCashLess than one hourUSD 6.992.31%5.81%
Western UnionMoney Transfer OperatorDebit cardCashLess than one hourUSD 6.992.31%5.81%
XoomMoney Transfer OperatorCredit cardCashLess than one hourUSD 11.940.00%5.97%
XoomMoney Transfer OperatorCredit cardBank accountSame dayUSD 11.940.00%5.97%
XoomMoney Transfer OperatorDebit cardCashLess than one hourUSD 11.940.00%5.97%
XoomMoney Transfer OperatorDebit cardBank accountSame dayUSD 11.940.00%5.97%
MoneyGramMoney Transfer OperatorCredit cardCashLess than one hourUSD 11.990.00%6.00%
Walmart2WorldMoney Transfer OperatorCashCashLess than one hourUSD 12.000.00%6.00%
Walmart2WorldMoney Transfer OperatorCredit cardCashLess than one hourUSD 11.990.00%6.00%
Wells FargoBankBank account transferCash2 daysUSD 12.000.00%6.00%
Wells FargoBankBank account transferCash2 daysUSD 12.000.00%6.00%
RiaMoney Transfer OperatorCredit cardCashLess than one hourUSD 8.002.05%6.05%
XoomMoney Transfer OperatorCredit cardBank accountSame dayUSD 7.003.22%6.72%
XoomMoney Transfer OperatorDebit cardBank accountSame dayUSD 7.003.22%6.72%
XoomMoney Transfer OperatorCredit cardCashLess than one hourUSD 7.003.70%7.20%
XoomMoney Transfer OperatorDebit cardCashLess than one hourUSD 7.003.70%7.20%
WiseMoney Transfer OperatorCredit cardBank accountLess than one hourUSD 15.140.00%7.57%
Western UnionMoney Transfer OperatorCashCashLess than one hourUSD 8.004.15%8.15%
CitibankBankBank account transferOwn/partner Bank account2 daysUSD 35.000.00%17.50%

How the cost has moved

The average was 5.57% in Q2 2016, the first quarter in this series with data for the corridor, and 5.27% in Q3 2025.

0%1%2%3%4%5%6%7%UN 2030 global target: 3%2016201720182019202020212022202320242025
Average total cost of sending the US$200 equivalent, by quarter surveyed. Gaps are quarters with no data in the World Bank dataset.

The UN target

The UN Sustainable Development Goals aim to bring the global average cost of sending remittances below 3% by 2030 and to remove corridors costing more than 5%. The World Bank measures the 5% test on the average of the three cheapest qualifying services in each corridor, not on the corridor average. source In this corridor the three cheapest services surveyed averaged 1.23% (a plain average, without the World Bank's qualifying rules).

Related

Frequently asked questions

How much does it cost to send money from the United States to Vietnam?

Sending US$200 from the United States to Vietnam cost 5.27% of the amount on average in Q3 2025, across 35 services surveyed by the World Bank. The lowest cost was 0.00% (Walmart2World) and the highest 17.50%. A year earlier, in Q3 2024, the average was 5.82%.

Which service cost least from the United States to Vietnam?

In the World Bank's Q3 2025 survey the lowest total cost was 0.00% of USD 200, from Walmart2World. Costs change with exchange rates, so check current prices with each provider.

Where Polynopsis fits

The companies surveyed here move money across borders every day, and many of them prefund payout partners in the receiving country. Polynopsis is liquidity software for those companies: one live position across their banks, payout partners and wallets, with a warning before a corridor runs dry.

Data: World Bank, Remittance Prices Worldwide (complete dataset, licensed CC BY 4.0). Averages and charts are worked out by Polynopsis from that dataset. Services without a US$200 quote are left out of the averages, so a few corridors differ slightly from the World Bank site. Each corridor uses the local send amount the World Bank set as the equivalent of US$200; where that amount is now worth much less than US$200, fixed fees make the percentage cost higher.

Know where all your money is.

Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.

About Polynopsis

Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.

Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator