#AppArrives asBehind the top
1RemitlyVND 10,586,862Most arrivesBest regular price in the comparison this week. Visible fee £0.99. Rate about 0.49 percent below the real market rate. About 19,454 dong ahead of Wise, worth about £0.55.
2InstaremVND 10,569,282VND 17,580.00Essentially tied with Wise. No visible fee, and the exchange rate is about 0.98 percent below the real market rate. That gap is worth about £2.94 on £300.
3WiseVND 10,567,408VND 19,454.00Rate right at the real market rate, visible fee £2.99. About 19,454 dong behind Remitly, or £0.55.
4Xoom (PayPal)VND 10,279,336VND 307,526.00Visible fee £2.99. About 307,526 dong behind Remitly, or £8.64. The exchange rate takes about 2.73 percent quietly, worth about £8.10 on the money that gets converted.
5OFXVND 9,937,979VND 648,883.00Worst named this week. About 648,883 dong behind Remitly, or £18.24. The £7 fee is on the screen; the exchange rate takes another 4.67 percent, worth about £13.68 on the money that gets converted.
Among the apps with a fresh price this morning, the top three in the comparison arrived within about half a pound of each other. The worst named app came in 648,883 dong behind the best, or about £18.24. The number to beat in the comparison this week is Remitly's. It shows 10,586,862 dong for £300 sent, narrowly ahead of Instarem and Wise.
Wise's and Instarem's prices are for a bank account. The Xoom, Remitly and OFX rows do not say how the money is paid out. Xoom's £2.99 fee was the same as its bank account fee on 5 November 2026.
What to actually open
If you already have Remitly installedUse Remitly if the amount on its last screen beats Wise's.In the comparison on £300 this week it delivered 19,454 dong more than Wise, worth about £0.55. It is the best regular price in the comparison, narrowly.
If you do not already have Remitly and do not want to set up a new appUse Wise.On £300 this week Wise gave 19,454 dong less than Remitly, but the fee is on the screen and the exchange rate is the real market rate. For a small win of £0.55, opening a new app is not worth the friction.
If you already have Instarem installedInstarem is a fine answer too.It delivered 1,874 dong more than Wise for the same £300, worth about £0.05. That is a tie by any real measure. Use whichever of Wise or Instarem you already have.
If you are a new Remitly customerThe first-transfer offer is worth taking.Remitly's UK page advertises a promotional rate of 35,700.96 dong to £1 on your first transfer, capped at the first £500 sent. A £300 send falls inside the cap, so the whole £300 converts at the promo rate. That delivers about 10,710,288 dong, with no fee. That is roughly 123,000 dong more than Remitly's everyday number this morning, or about £3.47.
Do not open Xoom for this send unless there is no other option.The visible £2.99 fee looks small. Once you add the fee and the gap to the real market rate, the full cost on £300 this morning comes to about £11.09. That is £8.64 more than Remitly took on the same £300, on the same morning.
And do not open OFX at all for a £300 send.On this morning's numbers OFX kept about £20.68 of your £300 between the £7 fee and the wide exchange rate. Remitly kept £2.44.
For the whole route in one place, see how to send money to Vietnam.
Catches
Remitly's rate changes with how you pay, and the comparison does not say how the sender paid. Remitly's own page that morning listed everyday rates from 35,140.20 to 35,417.62 dong to £1. The rate in the table sits near the top of that range. At the low end about 10,507,000 dong arrives, behind Wise and Instarem.
Western Union's last sample in the comparison is from Friday 14 August, seven days old, so it is not in the table this week. Its quoted rate then was 35,203 dong to the pound. Moneygram, LemFi, Taptap Send, Sendwave, WorldRemit, Skrill and PayPal do not show a fresh price on this route in the comparison today.
How we checked
We checked on Friday 21 August 2026, morning UK time. The prices are from the Wise price comparison: Wise at 05:05 UK time, Instarem at 04:24, Remitly at 04:40, OFX at 04:21 and Xoom at 03:53. We worked Wise's live rate at 05:05 a second way, through dollars: the pound at 1.3645 US dollars and the dollar at 26,075 dong give 35,579 dong to the pound, exactly on Wise's direct live rate. The rate is verified.
Next Friday: another country, another number.
Corrections
- 2026-11-05: An earlier version of this page called Remitly the number to beat and the best regular price, put it in the top three, and said to use it, without saying that its rate changes with how you pay. Those lines now say they are the comparison's, the page gives Remitly's range that morning, and the advice is to use Remitly if the amount on its last screen beats Wise's.
- 2026-11-05: An earlier version of this page gave every price as one for a bank account. Only Wise's and Instarem's are shown to be, and the page now says so.
- 2026-11-05: An earlier summary of this page said "this Friday morning" with no date. It now says Friday 21 August.
- 2026-11-05: An earlier version of this page said Xoom took £8.65 more than Remitly on the same £300. The gap is £8.64, the figure in the table.
- 2026-11-04: An earlier version of this page said Western Union's last sample was from Thursday 14 August. 14 August was a Friday.
- 2026-11-04: An earlier version of this page said two independent sources put the rate at 35,309 dong to the pound and update at midnight UK time. Both come from the same provider, and it last updated at about 01:00 UK time, so the line is gone.
- 2026-11-04: An earlier version of this page called Wise the safe default, said its money arrives fast and the same morning on most sends, unlike the two-day wait on some other Asian routes, and said a bank deposit to Vietnam typically clears within a few hours to the same working day. We have no source for these, so the lines are gone.
- 2026-11-04: An earlier version of this page said OFX is designed for much larger sends, that the choice for most senders comes down to the app they already have, and that a new app is not worth it for most senders. We have no source for these, so the words are gone.
- 2026-08-21: An earlier version of this article said Wise delivered VND 10,567,022. The correct figure from the Wise price comparison is VND 10,567,408 - a transcription error of 386 dong. Five dependent numbers were also wrong: the Remitly-vs-Wise gap was stated as 19,840 dong (£0.56) and is 19,454 dong (£0.55); the Instarem-vs-Wise gap was stated as 2,260 dong (£0.06) and is 1,874 dong (£0.05). The "about an hour and ten minutes" delivery estimate for Wise was removed because the underlying source (the Wise price comparison) returns a placeholder value, not a live ETA; the delivery-time section now uses the general Vietnam-bank claim, which is supported. The Wise sample time was corrected from 05:04 to 05:05 UK time.