Best Way to Send Money from Ireland to Vietnam
Because banks shouldn't hide your money in spreads.
We expose the real cost of every transfer — the spread, the fees, the delivery time — and rank providers by what actually lands in your recipient's account. No sponsored ordering. Ever.
Which provider is cheapest to send money from Ireland to Vietnam in 2026?
Hover any card to see exactly what it costs you.
How has the EUR/VND exchange rate changed recently?
vs Traditional Banks
You save up to VND 2240225
on a EUR 900 transfer
Wise
BEST RATEBank of America
+5% markup + $35 wire fee
Wells Fargo
+4.5% markup + $25 wire fee
Sending EUR from Ireland to Vietnam is cheapest through digital providers like Wise and Remitly, which beat AIB and Bank of Ireland by 3-8% on the exchange rate. To send EUR 1,000 from Ireland, expect fees under EUR 7 and delivery within hours to a Vietcombank or BIDV account.
In Vietnam, recipients can access funds directly at Vietcombank, the country's largest financial institution. By using Wise instead of a traditional bank wire, your recipient gets approximately 1,280,000 VND more on a $1,000 transfer — because digital providers pass the real exchange rate directly. Worth knowing about the local currency: Vietnam's 500,000₫ dong note features Hạ Long Bay on the reverse — the UNESCO site contains over 1,600 limestone islands.
Our verdict: For most senders moving EUR 200-5,000 to Vietnam, Wise offers the best combination of mid-market rate, transparent fees, and fast delivery to local bank accounts.
Why send money from Ireland to Vietnam with a digital provider in 2026?
Ireland sits inside one of the world's biggest remittance engines. The Eurozone's 450+ million residents and millions of cross-border workers make the euro one of the world's top remittance currencies, with major diaspora flows to Asia, Africa, and the Americas. The Ireland-to-Vietnam corridor is small but growing fast — Vietnamese professionals in Dublin's tech sector, students at Trinity and UCD, and seasonal workers in hospitality all send home regularly. Banks like AIB and Bank of Ireland still dominate the conversation, but they shouldn't. Digital providers undercut them by 3-8% on the exchange rate alone, and that's before you count the EUR 15-25 SWIFT wire fee banks tack on top.
What are the transfer fees from Ireland to Vietnam in 2026?
There are two costs on every EUR to VND transfer: the upfront fee and the exchange rate markup. The flat fee is easy to spot — usually EUR 0 to EUR 5 with digital providers. The markup is where banks bury their profit. AIB might quote you a rate 4% below the mid-market, meaning a EUR 1,000 transfer silently loses EUR 40 before it even leaves Ireland. Always check the rate against Google's mid-market rate. If the gap is more than 1%, you're overpaying.
Which provider offers the best EUR to VND exchange rate?
Wise is the benchmark for EUR to VND. It uses the real mid-market rate and charges a transparent fee around 0.5-0.7% of the transfer — typically EUR 4-7 on a EUR 1,000 send. Remitly is the better pick if you want speed promotions and a strong first-transfer bonus rate. Revolut works well for small amounts within plan limits, but watch the weekend markup. WorldRemit covers cash pickup at Vietnamese partner agents, useful if your recipient doesn't have a bank account. Skip the banks entirely unless you're moving over EUR 50,000 and need a paper trail.
How long does it take to send money from Ireland to Vietnam?
Most digital providers deliver to a Vietnamese bank account within minutes to a few hours. Wise's "instant" tier from a debit card lands inside an hour during business hours. Remitly's Express option is similar; their Economy tier takes 3-5 days but costs less. Bank SEPA pulls add 1-2 business days. If you're sending on a Friday evening, expect Monday morning delivery — Vietnamese banks don't clear on weekends.
Where does the money land in Vietnam?
You have three delivery options: bank deposit, mobile wallet, or cash pickup. The two largest receiving banks in Vietnam are Vietcombank and BIDV, and most digital providers can deliver directly to accounts at these banks, along with Techcombank, VietinBank, and ACB. Vietnam's remittance inflows exceed $14 billion annually (6% of GDP), and the country has built serious digital infrastructure to handle them. Ho Chi Minh City and Hanoi residents can receive funds directly to ViettelPay or MoMo mobile wallets — useful for younger recipients who barely use bank branches. Cash pickup through partners like Vietcombank counters is the backup if neither works.
What taxes or regulations apply to EUR to VND transfers?
Ireland doesn't tax outbound personal remittances, though anything over EUR 10,000 may trigger a Revenue check on source of funds. On the receiving side, Vietnam's State Bank allows up to $1,000/month without documentation; larger amounts require a declared source of funds, which usually means a copy of the sender's payslip or a notarised gift letter. Recipients don't pay income tax on family remittances, but commercial transfers are treated differently — keep the purpose field accurate.
What is the best time to send EUR to Vietnam to get the best rate?
EUR/VND is relatively stable because the dong is loosely managed against the dollar, so timing matters less than on volatile pairs. Still, mid-week sends (Tuesday-Thursday) avoid weekend markups that providers like Revolut apply. Set a rate alert on Wise or Xe — a 1% swing on a EUR 5,000 send is EUR 50 in your recipient's pocket. For amounts above EUR 2,000, Wise's percentage fee drops, making it the clear winner. Below EUR 500, Remitly's promotional rates often beat everyone.