Transfer money from Vietnam to US: Guide for Businesses & Investors

As of 2026, the United States remains Vietnam's top export market and a leading destination for overseas investment and education. With over $10 billion in remittances flowing annually through major financial hubs like Ho Chi Minh City, the demand to transfer money from Vietnam to US has evolved beyond simple family support into a sophisticated pillar of digital finance.

1. The 2026 Landscape: Why sending money to the US is surging

The corridor between Vietnam and the US is no longer one-way. Three major trends are driving the 2026 surge:

• Institutional Investment: More Vietnamese enterprises are expanding their footprints into the US market, necessitating large-scale capital transfers.
• High-End Tourism & Business Travel: With simplified visa processes, the flow of travelers and digital nomads between the two nations has reached an all-time high.
• The Rise of WealthTech: Individual investors are increasingly seeking to diversify their portfolios through US-based assets.
• Regulatory Sandboxes for Stablecoin Payments: Emerging pilot frameworks are enabling controlled use of stablecoins for cross-border transactions (IFC Danang), reducing settlement time and costs while testing new compliance models for digital finance.

2. Navigating the 2026 legal framework (SBV & Circular 20)

Sending USD to the United States requires strict adherence to the State Bank of Vietnam (SBV) regulations. As of January 2026, new reporting requirements for international electronic transfers over $1,000 have been implemented to ensure transparency and prevent money laundering.

Permitted Purposes for Sending Money to the US:

• Education: Tuition and living expenses for students at US universities.
• Healthcare: Payment for medical treatments at US-based hospitals.
• Business Expenses: Paying for imported goods, software licenses, or consulting services.
• Inheritance & Migration: Transferring assets for individuals settling in the US.

3. 9Pay: The strategic partner in the US-Vietnam corridor

In the competitive landscape of 2026, 9Pay stands out by integrating traditional reliability with the speed of a Fintech pioneer.

3.1. 9Remit: Specialized for B2B and high-volume transfers

For businesses needing to transfer money from Vietnam to US, 9Pay’s 9Remit solution offers a streamlined alternative to the bureaucratic hurdles of traditional banking.

Speed (T+0 Settlement): Leveraging a global network of partners like Ria Money Transfer, 9Pay ensures that funds reach US bank accounts with unprecedented speed.

Optimized FX Rates: Minimize the loss on the VND/USD spread. 9Pay provides real-time, competitive rates that are crucial for high-value corporate transactions.

Digital Compliance: 9Pay’s platform automates much of the paperwork required for SBV reporting, making the compliance process effortless for your finance team.

3.2. Security & Global integration

Operating under License No. 60/GP-NHNN, 9Pay is more than just a wallet; it is a financial gateway.

PCI DSS Level 1 Certification: The highest security standard for payment processing.

Strategic Partnerships: By collaborating with global giants, 9Pay acts as a bridge, allowing Vietnamese businesses to function as local entities in the global digital economy.

4. Comparing transfer methods to the US

5. Step-by-Step guide to sending money via 9Pay

Step1. Registration Process

Complete the registration process to use 9Pay's solution for your business through the following channels.

Contact us now!

• Website: 9Pay.vn
• Hotline: 1900 88 68 32 (Support 24/7)
• Email: [email protected]

Step2. Compliance Check

Provide the necessary trade invoices or service agreements.

Step3. Rate Execution

Secure the best live USD/VND exchange rate on the platform.

Step4. Instant transactions

9Pay transfers funds through its optimized partner network directly into the recipient's US bank account.

6. FAQs: Transferring money to the USA

Is there a limit on how much I can send to the US?

Limits are governed by the purpose of the transfer. For business invoices or tuition, the limit is typically the amount stated on the official document. 9Pay helps you navigate these limits efficiently.

How does 9Pay ensure the safety of my USD transfer?

9Pay is a licensed intermediary supervised by the SBV and holds the ISO/IEC 27001 certification for information security, ensuring your funds and data are protected by bank-grade protocols.

Can I send money to a US-based business account?

Yes. 9Pay’s 9Remit is specifically optimized for B2B payments, allowing you to settle international invoices quickly to avoid late fees or supply chain disruptions.

By partnering with a licensed Fintech leader like 9Pay, you gain access to an integrated ecosystem that simplifies global finance, empowers your investments, and secures your cross-border growth. Contact 9Pay today for a professional consultation and custom FX quote.