Remitly vs. Hai Ha for Vietnam: Compare Fees, Exchange Rates, and VND Delivered From Australia [2026]

If you’re comparing Remitly vs. Hai Ha for sending money to Vietnam from Australia, one question matters most: how many Vietnamese dong does your recipient get? Both providers publish their fees and exchange rates. Comparing the final VND delivered, not just the fee or the rate on its own, is the clearest way to see which one gives you more.

Quick answer: Remitly vs. Hai Ha for AUD-to-VND transfers

Based on transfers of AUD 200–5,000 paid by bank account and sent via bank deposit

• Remitly’s flat AUD 1.99 fee beat Hai Ha’s tiered fee (AUD 3.00–8.10) at every amount tested
• Once the exchange rate is factored in, Remitly delivered more value up to about AUD 1,000
• At AUD 2,000, the two were effectively tied, and at AUD 5,000, Hai Ha’s tighter exchange rate margin overtook Remitly’s fee advantage
• The best way to compare is to check the final dong amount your recipient receives

*Tested amounts were captured on September 16, 2026, using the transfer amounts and payment methods shown in the pricing comparison table below. Exchange rates and fees are subject to change. Your amount at the time of sending may differ.

Sending Money to Vietnam With Remitly

Remitly is designed to help people send money internationally in a way that’s simple, secure, and flexible.

From Australia, you can fund a transfer using a bank account, debit or credit card, Apple Pay or Google Pay. Recipients in Vietnam can receive money by bank deposit, cash pickup, mobile wallet, or home delivery. Remitly also backs transfers with a delivery-time guarantee.*

For people in Australia sending money to family or friends in Vietnam, Remitly is a practical option for everyday needs such as household support, rent, education costs, and medical expenses.

Sending Money to Vietnam With Hai Ha

Hai Ha Money Transfer has served the Vietnam and Australia from Melbourne since 1991, with roughly 30 shopfronts and kiosks across Australia alongside its website and app. You can fund a transfer by bank transfer, PayID, PayTo, card (1.2% surcharge), or cash in-store. Payout options include bank deposit, cash pickup, home delivery, or mobile wallet.

Remitly vs. Hai Ha: VND Exchange Rate vs. Fee

When people compare money transfer services in Australia, they often focus on the exchange rate first. If fees were the same across providers, that would make sense. However, Hai Ha and Remitly use different fee structures, so a more complete comparison looks at the total amount paid and the total VND received rather than the exchange rate alone.

The total cost of an international transfer usually comes down to two things:

1. Exchange rate — how much dongs each Australian dollar converts to
2. Transfer fee — the amount paid before the money is converted

Speed can also be an important factor when choosing between Remitly and Hai Ha. With Remitly, more than 90% of funded transfers arrive in under an hour, with most arriving within seconds.** However, because delivery times can vary based on factors such as payment method, recipient details, and compliance requirements, this comparison focuses on the amount of VND delivered.

**Remitly Q3-26 data: Disbursement speed reflects the time between when Remitly has the customer funds and when the funds are successfully disbursed (e.g., completed or available for pickup).

To compare providers clearly, it is best to compare directly the total pay-in against the total pay-out because they both impact the amount the recipient receives. The metric to watch carefully when comparing costs: how much VND your recipient actually receives.

In the live transfer prices we reviewed on September 16, 2026 for Australia to Vietnam, debit card-funded and bank-funded transfers, Hai Ha showed a slightly higher exchange rate. However, Remitly’s fees were lower than Hai Ha’s. For bank-funded amounts up to AUD 1,000, the recipient got more dong for every dollar the sender paid with Remitly.

Remitly vs. Hai Ha: Which Sends More VND to Vietnam From Australia?

*The information is based on Hai Ha’s website(s) as of September 16, 2026. Australia → Vietnam, paying by debit card and bank account, for bank deposits received in Vietnam. Delivered amounts shown are VND . Exchange rates and fees are subject to change. Your amount at the time of sending may differ.

What the Pricing Data Shows

Looking at the pricing data, a few points stand out right away:

• Hai Ha’s advertised exchange rate was more favorable than Remitly’s, but once the fee is added, Remitly still gave more dong per dollar paid for amounts up to AUD 1,000
• Remitly’s fee stayed flat at AUD 1.99 no matter the amount, while Hai Ha’s fee went up as the send amount grew, from AUD 3.00 to AUD 8.10
• For send amounts from AUD 200 to AUD 2,000, Remitly delivered more VND overall

For example, sending AUD 500 cost less all-in with Remitly and delivered more dong per dollar paid, even though Hai Ha’s recipient received slightly more VND in raw terms because the Hai Ha sender paid a higher fee on top. That is why it’s important to compare the final amount received against the total cost, not just one part of the pricing, such as the exchange rate.

Remitly vs. Hai Ha for Vietnam: Side-by-Side Comparison

*Transfer speed is an estimate depending on factors including payment and delivery method, subject to banking partner operating hours and availability, local laws/regulations, and compliance requirements.

Which Is Better for Sending Money to Vietnam: Remitly or Hai Ha?

If your priority is getting more VND to your recipient on a typical transfer, the pricing data in this comparison points to a fairly clear answer: Remitly gave more dong per dollar paid at every amount up to AUD 1,000.

Remitly may be the better fit if you want:

• More VND delivered on transfer amounts up to AUD 1,000, which covers most typical transfers
• Delivery options beyond bank deposit, including cash pickup, mobile wallet, and home delivery
• A flat AUD 1.99 fee no matter how much you send
• To see your exchange rate and fee before you even create an account

Hai Ha may appeal to senders who want a physical branch, prefer to pay in cash, or are sending a larger amount (around AUD 5,000 and up).

The key takeaway is simple. Do not stop at the headline rate. Compare the final amount your recipient receives.

How to Compare Live Amounts Yourself

Before you confirm a transfer, both Remitly and Hai Ha let you review your fee and exchange rate. That helps you compare with confidence.

Here is one way to do it:

1. Enter your transfer details for AUD to VND on both Remitly and Hai Ha Select the same funding and delivery method where possible
2. Check the fee
3. Check the exchange rate
4. Compare the final VND delivered

This only takes a minute, and it gives you the most useful answer.

Bottom Line: Who Sends More VND From Australia to Vietnam?

Both Remitly and Hai Ha offer transfers from Australia to Vietnam and both are transparent about fees. Based on our comparison of bank-account-funded transfers of AUD 200 to AUD 5,000, Remitly delivered more Vietnamese dong to recipients for typical transfer amounts, making it the better option for most senders.

Based on live pricing captured on 16 September 2026, Remitly gave more dong per dollar paid than Hai Ha for every amount tested up to AUD 1,000. The reason was simple: Remitly’s flat AUD 1.99 fee beat Hai Ha’s rising fee, even though Hai Ha’s exchange rate was slightly better.

If you’re deciding between the two, start with the figure that matters most: how much dong your recipient gets, for your actual transfer amount.

Methodology: How We Compared Remitly vs. Hai Ha

We compared Remitly and Hai Ha using identical send amounts across all five transfer scenarios (AUD 200, 500, 1,000, 2,000, and 5,000). Fee figures for both providers were pulled from their own websites on 16 September 2026.

As a result, the fee is added on top of the same send amount for both providers, and the total VND delivered reflects each provider’s exchange rate applied to that amount. We believe this method offers the fairest comparison because it reflects what matters most: how much the sender pays in total and how much the recipient actually receives.

Frequently Asked Questions (FAQs)

Is Remitly or Hai Ha cheaper for sending money to Vietnam from Australia?

Remitly is cheaper for bank-funded transfers up to about AUD 1,000. Based on live pricing captured on 16 September 2026, Remitly gave more dong per dollar paid than Hai Ha across the transfer amounts included in this comparison, up to that point.*

*The analysis covered AUD-to-VND transfers of AUD 200–5,000, funded by bank account, with bank deposit delivery in Vietnam. Hai Ha showed a slightly stronger exchange rate in the tested amounts, but Remitly’s lower fee resulted in more VND delivered overall for amounts up to AUD 1,000. At AUD $5,000 Hai Ha’s exchange rate advantage overtook Remitly’s lower fee. Exchange rates and fees are subject to change.

Why is the amount received in VND more important than the exchange rate alone?

The amount received in VND reflects the true value of a transfer because it takes both the exchange rate and the fee into account. Hai Ha may offer a better exchange rate at some amounts, but if its fee is higher, the recipient could still receive less overall. Comparing the final VND amount makes sure you get the full picture.

Can I send money to Vietnam with Remitly from Australia using a bank account?

Yes. You can fund a Remitly transfer using a bank account (PayTo). Debit card, credit card, and Apple Pay options are also available.

How can recipients in Vietnam receive money with Remitly?

Remitly supports bank deposit, cash pickup, mobile wallet, and home delivery in Vietnam. Available options may vary by transfer details and location.

How fast is Remitly for transfers from Australia to Vietnam?

Remitly backs transfers with a delivery-time guarantee — if a transfer arrives late, the fee is refunded.*

*Transfer speed is an estimate depending on factors including payment and delivery method, subject to banking partner operating hours and availability, local laws/regulations, and compliance requirements.

Does Hai Ha offer cash pickup in Vietnam?

Yes. Hai Ha’s payout options for Vietnam include bank deposit, cash pickup, home delivery, and mobile wallet.

Should I compare live amounts before sending money to Vietnam?

Yes. Fees and exchange rates can change over time. Always check live rates and fees before you send so you can compare the full cost and the final VND amount your recipient will receive.

Trademarks, trade names and logos displayed are registered trademarks of their respective owners. No affiliation or endorsement of Remitly should be implied.

Sources

• Remitly — Send money to Vietnam from Australia — accessed 16 Sep 2026
• Hai Ha — Send Money to Vietnam — accessed 16 Sep 2026
• Hai Ha Money Transfer — homepage — accessed 16 Sep 2026
• Wise — Hai Ha Money Transfer review: Fees, rates and transfer time — accessed 16 Sep 2026
• Finder — Hai Ha Money Transfer Review 2026 — accessed 16 Sep 2026
• ProductReview.com.au — Hai Ha Money Transfer reviews — accessed 16 Sep 2026
• Google Play — Hai Ha Money Transfer app listing — accessed 16 Sep 2026