The most affordable way to send money from the USA to Vietnam for Tet 2026 is through digital remittance services like Remitly or Wise, with fees from $4.99 USD and exchange rates 0.5–1.5% from mid-market. Transfer by January 25 to ensure delivery before Vietnamese banks close for the Tet holiday period (January 27–February 2).
📌 Key Takeaways
- Send money from USA to Vietnam for Tet 2026 with fees from $4.99 USD via digital services
- Transfer deadline: January 25, 2026 to arrive before Tet bank closures
- USD/VND rates at 0.5–1.5% from mid-market — save $30–60 per $1,000 vs banks
- Over 2 million Vietnamese Americans send remittances home annually
USA-Vietnam Remittance Overview — send money USA Vietnam Tet
First, Vietnamese-Americans sent over $12 billion to Vietnam in 2024. Moreover, Tet season accounts for approximately 35% of annual transfers. Therefore, competition among providers to send money from USA to Vietnam for Tet is intense, giving senders plenty of options.
Top 5 USD/VND Services Compared for Send Money USA Vietnam Tet
| Service | USD/VND Rate | Fee ($1000) | Speed |
|---|---|---|---|
| EzyRemit ⭐ | 25,450 | $0 first | 1-2 days |
| Wise | 25,200 | $8 | 1-3 days |
| Remitly | 25,100 | $3.99 | Minutes-3 days |
| Vietcombank Transfer | 25,000 | $40 | 3-5 days |
| Western Union | 24,800 | $5-12 | Minutes |
How to Send from the USA for Send Money USA Vietnam Tet
To send money from USA to Vietnam for Tet:
- Create EzyRemit account at ezyremit.com.
- Verify your identity — Upload US passport, State ID, or Green Card.
- Add beneficiary — Enter family member’s Vietnamese bank or MoMo details.
- Enter USD amount — See real-time VND conversion.
- Send via ACH or wire — Funds deducted from US bank account.
- Family gets VND — 1-2 business days.
Popular Sending Corridors for send money USA Vietnam Tet
Furthermore, the most active USA-Vietnam sending cities are:
- Orange County, CA: Home to “Little Saigon,” the largest Vietnamese community outside Vietnam.
- Houston, TX: Second largest Vietnamese-American population.
- San Jose, CA: Large tech-savvy Vietnamese diaspora.
- Seattle, WA: Growing Vietnamese community.
- DFW, TX: Fast-growing Vietnamese business community.
Tax Reporting for US Senders
Additionally, US senders should be aware of reporting requirements:
- Gift tax: Amounts over $18,000/year per recipient may require IRS Form 709.
- FBAR: If you maintain foreign bank accounts, file FinCEN 114 if total exceeds $10,000.
- No income tax: Gifts to foreign family members are not taxable for the recipient.
Why USA Vietnamese Community Chooses EzyRemit
Importantly, Vietnamese-Americans have many options to send money from USA to Vietnam for Tet, but EzyRemit stands out for several critical reasons. The platform offers real-time exchange rate transparency — you see exactly what USD to VND rate you are getting before confirming any transfer. There are no hidden markup fees or surprise charges that many traditional providers use to inflate their revenue.
In addition, EzyRemit supports multiple delivery channels in Vietnam. While most US-based remittance services only offer bank deposit, EzyRemit also enables delivery to MoMo and ZaloPay wallets. This flexibility is especially valuable during Tet when family members need quick access to funds for lì xì, holiday shopping, and travel arrangements. Parents in rural areas who primarily use MoMo for daily transactions particularly benefit from this direct wallet delivery option.
Furthermore, security is paramount for large Tet transfers. EzyRemit employs bank-grade encryption, mandatory two-factor authentication, and continuous transaction monitoring aligned with AUSTRAC regulations. All transaction records are maintained for seven years, providing complete audit trails for tax reporting purposes. For Vietnamese-Americans sending substantial amounts during the holiday season, this level of security and compliance is essential for peace of mind.
Related EzyRemit Resources
- Why Choose EzyRemit — Compare rates, fees, and features
- Business Payment Solutions — For companies and SMEs
- Online Support — Get help with your transfer
Author: EzyRemit Team | About EzyRemit | Contact Us | AUSTRAC Licensed | Updated: 01/2026
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Frequently Asked Questions
What is the cheapest way to send money from USA to Vietnam?
Digital services like Remitly and Wise charge $4.99–15 per transfer with rates near mid-market. US banks charge $25–50 per wire plus 2–4% markup, costing significantly more.
How long does a USA-to-Vietnam transfer take?
Express services deliver in minutes to hours. Standard digital transfers take 1–3 business days. Bank wires take 3–5 days. Send early for Tet deadlines.
Is it safe to send money to Vietnam online?
Yes, when using licensed services. In the US, look for FinCEN-registered providers. Services like Remitly and Wise hold state money transmitter licenses and use bank-grade encryption.