The best money transfer services in 2026 are EzyRemit, Wise, and Remitly — each charging $3.99–15 per transfer compared to $25–45 at traditional banks. This guide ranks the top 6 services by fees, exchange rates, speed, and coverage to help you choose the right provider for your needs.
📌 Key Takeaways
- The best money transfer service for Australia-to-Vietnam is EzyRemit ($5 fee, 0.5–1% markup, bilingual support)
- For multi-country transfers, Wise covers 80+ countries with transparent mid-market rates
- Avoid banks for personal transfers — they charge $25–45 + 2–4% markup per transaction
- All top services are regulated: AUSTRAC, ASIC, or FCA licensed
Top 6 Best Money Transfer Services 2026
| Rank | Service | Fee | Rate Markup | Speed | Countries | Best For |
|---|---|---|---|---|---|---|
| 1 | EzyRemit | $5 ($0 first) | 0.5–1% | 1–2 days | 30+ | AUD→VND specialist |
| 2 | Wise | $5–15 | 0.5–1.5% | 1–3 days | 80+ | Multi-currency |
| 3 | Remitly | $3.99+ | 1–2% | Min–3 days | 100+ | Express delivery |
| 4 | WorldRemit | $3.99+ | 1.5–3% | Min–2 days | 130+ | Mobile money |
| 5 | Western Union | $10–30 | 2–5% | Min–2 days | 200+ | Cash pickup |
| 6 | PayPal | $2.99–4.99 | 3–4% | 1–3 days | 200+ | Person-to-person |
1. EzyRemit — Best for Australia to Vietnam
EzyRemit is the best money transfer service for the AUD-to-VND corridor. It charges a flat $5 AUD fee (first transfer free) with exchange rates just 0.5–1% from mid-market. The service is licensed by AUSTRAC (IND100838372) and offers bilingual Vietnamese/English customer support. Transfers arrive in Vietnamese bank accounts within 1–2 business days, with support for MoMo and ZaloPay e-wallets.
2. Wise — Best for Multi-Currency
Wise (formerly TransferWise) is the best money transfer service for people sending to 80+ countries. It uses the real mid-market rate with a transparent fee starting from $5 AUD. However, Wise lacks Vietnamese-language support and charges slightly higher fees for the AUD/VND corridor than specialist services.
3. Remitly — Best for Urgent Transfers
Remitly excels at speed, offering express delivery in minutes to many countries. The standard fee starts at $3.99, but express delivery costs more. Exchange rate markup ranges from 1–2%, making it slightly more expensive than EzyRemit or Wise for regular transfers.
How to Choose the Best Money Transfer Service
The best money transfer service depends on your specific needs:
- Regular transfers to Vietnam: EzyRemit — lowest total cost for AUD→VND
- Multiple countries: Wise — broadest coverage with transparent pricing
- Urgent delivery: Remitly — express option in minutes
- Cash pickup: Western Union — largest physical network globally
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Frequently Asked Questions
What is the cheapest money transfer service?
For Australia-to-Vietnam transfers, EzyRemit is the cheapest with a $5 fee and 0.5–1% markup (total cost ~$13 per $1,000). For other corridors, Wise generally offers the best rates.
Which is the safest and best money transfer service?
All services in our top 6 are regulated. EzyRemit holds AUSTRAC + PCI DSS Level 1 certification. Wise is regulated by ASIC and FCA. Check for regulatory licensing before using any service.
Can I send money internationally for free?
Several services offer free first transfers, including EzyRemit ($0 fee on first transaction). However, exchange rate markup still applies, so compare the total cost (fee + markup) rather than just the headline fee.
Related Resources
- EzyRemit Review 2026 — Detailed Assessment
- Wire Transfer Guide — SWIFT vs Modern Alternatives
- Send Money Online — Complete Guide
- Send Money Vietnam — Cheapest Ways
Compare for yourself. Try EzyRemit free — $0 first transfer, AUSTRAC licensed, rated 4.4/5 on Trustpilot.