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 Ho Chi Minh City (Saigon)
Ho Chi Minh City, a.k.a. Saigon: rubles and Online USD into dong. Cardless ATM, VietQR, transfer to your own account. Remote and straightforward.
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 Ho Chi Minh City (Saigon) is a question for visitors on a short stay and for business travelers alike: you'll need dong as soon as you leave the airport.
Money in Ho Chi Minh City: what you need dong for
Ho Chi Minh City, still called Saigon by many, is Vietnam's largest city and its business hub. People come for a few days before a Mekong Delta trip, for work, or as a stopover on the way south. It's easier to find a bank or ATM in a large city, but it's worth agreeing on a suitable partner ATM with your manager in advance — that way you don't waste time searching.
Ways to get dong in Ho Chi Minh City
EXFM has no offices in Vietnam — the exchange is done remotely. You send rubles or Online USD to the details your manager provides, then receive dong in one of these ways:
-
Cash dong from an ATM, no card. Your manager sends a code and instructions, and you withdraw dong at a partner ATM — no bank card and no office visit needed. Before sending funds, tell your manager which ATM you'll be near and when.
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Paying by VietQR. VietQR is Vietnam's national QR standard and works in most banking and payment apps. Photograph the QR code in a café or shop and send it to your manager — the manager makes the payment, and you settle with EXFM in rubles.
-
Transfer to a Vietnamese account. EXFM sends dong to your account at Vietcombank, BIDV, VietinBank, Techcombank, ACB, VPBank, MB Bank or Sacombank. The account must be opened in your name, and the name must match the sender of the funds exactly.
| Method | Card needed | Vietnamese account needed | Where you get the dong |
|---|---|---|---|
| Cardless ATM | No | No | Partner ATM in Ho Chi Minh City |
| 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.
Before you exchange: five rules
- Know the amount in advance. Ask your manager for the rate and the dong amount before the transfer, not after.
- Into dong only. EXFM exchanges rubles and Online USD for dong. Converting dong back into rubles or dollars through the service isn't possible.
- Transfers go to an account in your name. EXFM sends dong only to an account held by the same person who sent the funds.
- Verification on the first exchange. The manager carries out a video verification (KYC) — the procedure is explained in the chat.
- Details only from your manager. Transfer funds to the details your manager sent and verify them before sending: an electronic transfer can't be reversed.
Step-by-step: exchanging in Ho Chi Minh City
- Contact a manager in a messenger — the contacts are on exfm.app.
- State how much you want to exchange and in which currency — rubles or Online USD.
- If you're new to us, the manager runs a video verification (KYC).
- Decide what suits you: an ATM code, a VietQR payment or a transfer to a Vietnamese account.
- Send the funds to the details you were given.
- Collect your dong and keep the confirmation of the operation.
Currency exchange topics in Ho Chi Minh City
- Ho Chi Minh City – Currency Exchange at Tan Son Nhat Airport
- Ho Chi Minh City – Exchange Rubles for Dong in Ho Chi Minh City
- Ho Chi Minh City – Exchange Online USD for Dong in Ho Chi Minh City
Planning a trip and want to sort out dong in advance? Message an EXFM manager — we'll pick a way to receive it that fits your route.
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 Ho Chi Minh City?
Through EXFM you can exchange rubles and Online USD for Vietnamese dong. There is one direction: foreign currency → dong.
Does the exchange work the same in Ho Chi Minh City as at the beach resorts?
The principle is the same: an ATM code, VietQR or a transfer to your account. The practice differs — in a big city it's easier to find a suitable ATM, but agree on the point and time with your manager anyway.
Do I need a Vietnamese card or account to exchange?
Neither a card nor an account is needed for cash withdrawal by code or for VietQR payments. A Vietnamese account is only needed when dong are sent to it — and only in your name.
Does EXFM have an office in Ho Chi Minh City?
There is no office: in Vietnam EXFM works remotely. You receive dong at an ATM with a code, through a VietQR payment or by transfer to your own account.
How do I contact a manager, and when are they available?
Message us in Telegram or WhatsApp — the contacts are on exfm.app. Managers are available from 09:00 to 00:00 GMT+7, the same time zone as Vietnam.