Sending money from Australia to Vietnam: the payments stack
Sending AUD 200 from Australia to Vietnam cost 5.01% of the amount on average in Q3 2025, across 18 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Vietnam typically run over NAPAS 247, VietQR (NAPAS 247 by QR); between now and the end of 2027 there are 8 weekdays when banks in Australia are closed but Vietnam keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 5.01% of AUD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 3.29% across 14 services |
| Banks | 11.03% across 4 services |
| Collect in Australia | NPP (Osko, PayID, PayTo), RITS Fast Settlement Service, RITS (RTGS), Direct entry (BECS) |
| Pay out in Vietnam | NAPAS 247, VietQR (NAPAS 247 by QR), CITAD (high-value interbank) |
What it costs to send AUD 200
The World Bank surveyed 18 services sending from Australia to Vietnam from 19 August 2025 to 27 August 2025. The average total cost, fees plus the FX margin, was 5.01% of the amount sent; money transfer operators averaged 3.29% and banks 11.03%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: Australia
- Remittance service providers and virtual asset service providers must both enrol with AUSTRAC and apply for registration through AUSTRAC Online, and cannot start providing remittance or virtual asset services until AUSTRAC approves the registration. source
- AUSTRAC registers independent remittance dealers, remittance network providers, remittance network provider affiliates and virtual asset service providers; AUSTRAC can take up to 90 days to assess an application, and the 90 days restart when it asks for more information. source
- Registration lasts 3 years; a renewal can be lodged from 90 days before expiry, and a registration that is not renewed lapses and is removed from the register. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from Australia.
The payout side: Vietnam
| Payout partner | What it does in Vietnam | Source |
|---|---|---|
| Nium · our guide | Pays VND in real time 24x7 to 30+ major banks up to VND 499,999,999 per transfer, to wallets and via Visa Direct, and same day over CITAD above that; supports B2P, P2P and P2B flows. | source |
| dLocal · our guide | Supports payouts in Vietnam by bank transfer and to wallets such as MoMo, VNPAY, VNPT Pay and ZaloPay. | source |
| Xendit | Pays out VND over NAPAS (about 15 minutes, up to VND 299,000,000) and CITAD (same day, 2 p.m. cut-off, on activation) for B2C and C2C flows. | source |
| MoMo (M_Service) | Runs an international money receiving service with overseas and domestic remittance partners that credits verified MoMo wallet users 24/7, including weekends and holidays. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Vietnam: launching payments in Vietnam.
Payout rails in Vietnam
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| NAPAS 247 | National Payment Corporation of Vietnam (NAPAS) | Real-time transfers to cards and bank accounts, also by phone number, e-wallet and mobile money, at any time including outside office hours and at weekends, for amounts below VND 500 million per transaction. | source |
| VietQR (NAPAS 247 by QR) | National Payment Corporation of Vietnam (NAPAS) | QR-based NAPAS 247 transfers between accounts at 50+ member banks, 24/7, below VND 500 million per transaction. | source |
| CITAD (high-value interbank) | Used for payouts above VND 500 million; Nium processes them same day with a 15:30 local time (08:30 UTC) cut-off for supported banks. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 8 dates when Australia is closed and Vietnam is open, the payout balance has to already hold enough to cover them. On the 12 dates when Vietnam is closed, instant rails may still pay out.
| Date | Australia | Vietnam | What it means |
|---|---|---|---|
| Tue 24 Nov 2026 | Open | Vietnamese Culture Day (Ngay Van hoa Viet Nam) | Vietnam banks closed: only always-on rails pay out |
| Fri 25 Dec 2026 | Christmas Day | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Mon 28 Dec 2026 | Additional day for Boxing Day | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Fri 1 Jan 2027 | New Year's Day | New Year's Day | Both closed |
| Tue 26 Jan 2027 | Australia Day | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Thu 4 Feb 2027 | Open | Tet holiday (28th day of the 12th lunar month) | Vietnam banks closed: only always-on rails pay out |
| Fri 5 Feb 2027 | Open | Tet holiday (eve of Lunar New Year) | Vietnam banks closed: only always-on rails pay out |
| Mon 8 Feb 2027 | Open | Tet holiday (3rd day of the 1st lunar month) | Vietnam banks closed: only always-on rails pay out |
| Tue 9 Feb 2027 | Open | Tet compensatory day | Vietnam banks closed: only always-on rails pay out |
| Wed 10 Feb 2027 | Open | Tet compensatory day | Vietnam banks closed: only always-on rails pay out |
| Fri 26 Mar 2027 | Good Friday | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Mon 29 Mar 2027 | Easter Monday | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Fri 16 Apr 2027 | Open | Hung Kings Commemoration Day (10th day of the 3rd lunar month) | Vietnam banks closed: only always-on rails pay out |
| Fri 30 Apr 2027 | Open | Reunification Day (Victory Day) | Vietnam banks closed: only always-on rails pay out |
| Mon 3 May 2027 | Open | Labour Day compensatory day | Vietnam banks closed: only always-on rails pay out |
| Mon 14 Jun 2027 | King's Birthday | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Thu 2 Sep 2027 | Open | National Day | Vietnam banks closed: only always-on rails pay out |
| Fri 3 Sep 2027 | Open | National Day (second day) | Vietnam banks closed: only always-on rails pay out |
| Wed 24 Nov 2027 | Open | Vietnamese Culture Day (Ngay Van hoa Viet Nam) | Vietnam banks closed: only always-on rails pay out |
| Mon 27 Dec 2027 | Additional day for Christmas Day | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
| Tue 28 Dec 2027 | Additional day for Boxing Day | Open | Prefund Vietnam the day before: no funding from Australia, payouts continue |
Full calendars: Australia and Vietnam. Size the buffer with the corridor runway calculator.
Funding the corridor
- NPP payments settle in the Fast Settlement Service 24 hours a day on every day of the year, so AUD collections can arrive on weekends and holidays. source
- All other RITS settlement runs only on days when banks are open in Sydney or Melbourne, from 7:30 am to 10:00 pm AEST/AEDT, and closes on weekends and on New Year's Day, Australia Day, Good Friday, Easter Monday, Anzac Day, the King's Birthday, Christmas Day and Boxing Day where observed in NSW and Victoria. source
- NAPAS 247 handles transfers below VND 500 million per transaction at any hour; larger payouts move to same-day CITAD, which Nium cuts off at 15:30 local time. source
- Xendit caps NAPAS payouts at VND 299,000,000 and cuts off CITAD at 2 p.m. Vietnam time, so provider limits can sit below the network limit. source
- Nium notes that banks can ask for documents on transactions above VND 250 million. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Australia, the payout partners and banks in Vietnam and any stablecoin in between. It warns before the Vietnam balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from Australia to Vietnam?
The World Bank's survey put the average total cost of sending AUD 200 at 5.01% in Q3 2025, across 18 services. Money transfer operators averaged 3.29%.
Which rails pay out in Vietnam?
Local payouts run over NAPAS 247, VietQR (NAPAS 247 by QR), CITAD (high-value interbank).
When do I need to prefund Vietnam payouts ahead of holidays?
Between now and December 2027 there are 8 weekdays when Australia is closed and Vietnam is open, the first on Fri 25 Dec 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- RITS Business Hours · Reserve Bank of Australia
- Public and Bank Holidays 2026 · Reserve Bank of Australia
- Thong bao lich nghi tet Am lich va le Quoc khanh nam 2027 · Ministry of Home Affairs
- Viet Nam announces 2027 public holiday schedule · Viet Nam Government Portal
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