When the rate is fixed
The manager agrees the rate, amount and receiving method before payment. An order reserves the rate for 15 minutes.
We reply from 9:00 Bangkok time
Currency Exchange in Ha Long
Ha Long: bay, cruise and dong without hassle. Rubles and Online USD — cardless ATM, VietQR, transfer to your own account. In advance, remotely.
Exchange country:
You send
1 RUB = 288 VND
You receive
1,000 VND = 3.472 RUB
Exchange
15,000,000 VND
or more for a better rateProperty payments worldwide
We help pay for property purchases or rentals in different countries — Freehold and Leasehold, primary and secondary markets.
Cash transfers
Move funds from one country to another through a cash-to-cash arrangement.
SWIFT transfers
Invoice payments for any payment purpose, for individuals and businesses.
How to arrange an exchange
Managers accept orders daily from 09:00 to 00:00 Thailand time (GMT+7) — 05:00–20:00 in Moscow.
- Calculate the amount and select a currency pair.
- Tell the manager the currency, amount and receiving method.
- Complete identity verification for your first exchange.
- Transfer funds using the details supplied by the manager.
- Receive your money.
What affects the rate
The currency, direction, amount and banknote denomination affect the rate.
Minimum and maximum amounts
The minimum is 1,000 THB in Thailand and 2,000,000 VND in Vietnam. Delivery has separate thresholds. There is no general maximum.
Commission
Commission is included in the agreed rate.
Verification
A passport or another identity document is required for any currency and amount. Your first exchange includes a KYC video check.
More about each method
Transfer to a Vietnamese account
Receive dong directly in your Vietnamese bank account. Suitable for rent, school fees, services and regular expenses. Transfers to a third-party account are not available.
How it works
- Send a request via Telegram or WhatsApp and specify the amount to exchange.
- Your manager confirms the rate and final amount to be credited.
- Provide the purpose of the transfer, account number and account holder’s name.
- Once the exchange is confirmed, EXFM transfers dong to the specified account.
- The transaction is complete once the transfer receipt has been sent.
Requirements
Transfers are made only to the applicant’s own account.
ATM cash withdrawal
Withdraw cash dong at an ATM — no Vietnamese bank card or account is required. Your manager sends a code and step-by-step instructions.
How it works
- Request an exchange via Telegram or WhatsApp, specifying the amount and currency.
- Your manager confirms the rate and exact amount you will receive in dong.
- After you meet the exchange conditions, you receive a simple set of instructions.
- Go to the ATM and follow the instructions.
- The transaction is complete when the full cash amount has been dispensed.
Available banks
Vietcombank
Pay for purchases by QR code
Pay for goods and services in Vietnam by QR code — EXFM makes the payment for you, without the need to collect cash first.
How it works
- Get a QR code from the seller or service provider.
- Send the QR code to your EXFM manager via Telegram or WhatsApp.
- Your manager checks the details and confirms the amount and exchange rate.
- Pay for the exchange request.
- EXFM pays using the QR code provided.
- You receive a receipt once the payment has been made.
What you can pay for
Medical care, shops, restaurants, hotels, services, property and vehicle rentals, and other purchases.
Courier delivery
Receive cash dong at your address — without a trip to a bank or exchange office. Convenient on arrival for taxis, accommodation and initial expenses.
How it works
- Contact your manager via Telegram or WhatsApp and specify the exchange amount.
- If this is your first exchange, complete a short KYC video verification.
- Provide a delivery address and agree on a convenient time to meet the courier.
- Transfer funds using the details provided by your manager.
- At the meeting, show the passport used for verification and collect your cash.
Delivery cities
Nha Trang, Da Nang, Hanoi, Ho Chi Minh City and Phu Quoc. Delivery to other cities and locations is available by arrangement.
Advantages
Why choose EXFM
Rate agreed in advance
We confirm the rate and final amount in dong before you send funds.
Transparent terms
Agree on the exchange terms before sending your funds.
Transaction checks
We check bank details and send a receipt after transferring your funds.
Company offices in Thailand
EXFM has physical offices in Thailand and provides online exchange in Vietnam.
Independent reviews
Read customer reviews and ratings on independent platforms before exchanging.
Four ways to receive dong
Bank transfer, cardless ATM cash, QR payment or courier delivery.
Currency exchange license
Authorized Money Changer license MC225670007 and a listing in the Bank of Thailand register.
Personal support
Your manager confirms the rate and guides you through each step until you receive funds.
Partner Program Share Your EXFM Link and Earn Up to 40% of Service Fees
1
Fair Terms
Lifetime payouts — clients stay linked to you with no time limit
2
Personal Dashboard
Full transparency and detailed stats in your partner dashboard
3
Works in Offices
Tracking captures partner ID even for offline ruble exchange at a branch
Currency exchange in Ha Long is something to arrange before heading to the bay: dong come in handy in town, at the pier and on board.
How exchange works in Ha Long
Ha Long is known for a bay with hundreds of limestone islands, a UNESCO World Heritage site. Visitors come for cruises on the bay, and the Bai Chay area is a common starting point. The main part of a cruise is usually paid for in advance, but tips, drinks, local markets and transport call for cash — easiest to withdraw with a code at an ATM before boarding.
How to get dong in Ha Long without an office
EXFM doesn't have offices in Vietnam, and it doesn't get in the way: everything is handled in Telegram or WhatsApp, and you receive dong the way that fits your route:
-
Cardless ATM. After your transfer, the manager gives you a withdrawal code: you walk up to the ATM, tell the manager you're there and follow the step-by-step instructions. No card is needed, but the partner ATM network grows gradually — check in advance whether one is close to you.
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VietQR instead of cash. If you're short on dong and need to pay right now, send the seller's QR code to your manager. The manager pays the bill and confirms the payment, while you transfer rubles to EXFM — no dong in hand required.
-
To your account at a Vietnamese bank. A fit for people who stay for a long time and have already opened an account. Transfers go only to an account in your own name: the manager checks the recipient's details against the sender's before the operation. The list of banks keeps growing — ask your manager for the current one.
| Method | Card needed | Vietnamese account needed | Where you get the dong |
|---|---|---|---|
| Cardless ATM | No | No | Partner ATM in Ha Long |
| VietQR payment | No | No | Payment made directly to the seller |
| Transfer to an account | No | Yes, in your name | Your account at a Vietnamese bank |
VietQR payment is available when you settle in rubles; for Online USD, use an ATM or a transfer to your account.
Exchange terms in Vietnam at a glance
- KYC by video. If you're a first-time client, a video verification is required — your manager will walk you through it.
- Rate comes first. Tell your manager the currency and amount — the manager tells you how much dong you'll receive, and only then do you send funds.
- From foreign currency into dong. The service works one way — from rubles or Online USD into Vietnamese dong; reverse conversion is not offered.
- Double-check the details. An electronic transfer is hard or impossible to recall — confirm the details with your manager before you send.
- One name. The Vietnamese account holder and the sender of the funds must be the same person: the manager checks the details before the operation.
How to exchange money in Ha Long: step by step
- Message an EXFM manager in Telegram or WhatsApp.
- Name the currency (rubles or Online USD), the amount and how you'll send the funds.
- Complete a video verification (KYC) if it's your first request.
- Choose how to receive your dong: cardless ATM, VietQR payment or a transfer to your account.
- Send the funds to the details your manager provides.
- Receive your dong the chosen way, along with a confirmation from your manager.
Currency exchange topics in Ha Long
Need dong in Ha Long? Message an EXFM manager in Telegram or WhatsApp — we'll agree on the amount, the rate and a convenient way to receive it.
Contacts and ways to reach us
Send a message
Contact us — a personal manager will advise you and support you through every stage
Call and email
Service hours: 09:00–00:00 Thailand time (GMT+7)
- 05:00–20:00 Moscow (GMT+3)
- 06:00–21:00 Dubai (GMT+4)
Answers to frequently asked questions
Which currencies can I exchange in Ha Long?
EXFM accepts rubles and Online USD and pays out Vietnamese dong. Exchanging dong back into foreign currency is not offered.
Does EXFM have an office in Ha Long?
No, EXFM has no offices in Vietnam. All operations are handled remotely by a manager in Telegram or WhatsApp.
How do I pay for a Ha Long Bay cruise?
If the cruise is paid for in dong on site, get cash with an ATM code or use VietQR when payment by QR is accepted. Confirm payment terms with the cruise operator, and ask your EXFM manager how to receive the dong.
How do I contact a manager, and when are they available?
Messenger contacts are listed on exfm.app. The service runs from 09:00 to 00:00 GMT+7, which is Vietnam local time.
Do I need a Vietnamese card or account to exchange?
No: for an ATM and a VietQR payment you need neither a card nor an account. An account is required only for the "transfer to an account" method and must be in your name.