1. Minh Thu Money Changer
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Address: 22 Nguyen Thai Binh, District 1.
Minh Thu is a state-licensed currency exchange office right in the heart of Saigon. They trade a wide range of currencies: USD, EUR, GBP, JPY, THB, and more. While their rates can be slightly lower than top-tier shops, you’re guaranteed a trustworthy transaction at an official location.
Minh Thu Money Changer
2. Ha Tam Jewelry Shop
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Address: 2 Nguyen An Ninh, Ben Thanh, District 1.
Located next to Ben Thanh Market, Ha Tam Jewelry is frequently recommended by locals, expats, and Reddit users alike as offering one of the best rates for currency exchange in Ho Chi Minh City. They accept USD, JPY, THB, and more. Tip: bring crisp, new USD bills for best rates, smaller denominations often fetch lower value.
Ha Tam Jewelry Shop
3. Kim Mai Jewelry Shop
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Address: 84C Cong Quynh, Pham Ngu Lao, District 1.
Famous for consistently high exchange rates and smooth service, Kim Mai is popular for exchanging significant amounts at once. With minimal lines and quick service, it’s ideal when you want reliable, fast currency exchange.
Kim Mai Jewelry Shop
4. Kim Hoan PNJ Jewelry Center
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172 - 174 Le Thanh Ton, District 1.
This well-established gold and jewelry center doubles as a currency exchange office known for stable, fair rates and secure service. It’s licensed and trusted, perfect for travelers looking for consistency when converting USD, EUR, or THB.
Kim Hoan PNJ Jewelry Center
5. Licensed Bank Branches (Vietcombank, BIDV, VietinBank)
Ho Chi Minh City is filled with reputable banks like Vietcombank, BIDV, VietinBank, Sacombank that offer foreign exchange services during business hours. While their rates may be slightly less competitive, they offer maximum safety, clear receipts, and legal compliance
Best place to exchange money in Ho Chi Minh City
Quick Comparison of Exchange Options
|
Place |
Trust Level |
Rates & Features |
|---|---|---|
|
Ha Tam Jewelry |
High (lots of positive reviews) |
Among the best rates, especially for USD |
|
Kim Mai Jewelry |
High |
Competitive rates, preferred for larger exchanges |
|
Minh Thu Money Changer |
Licensed government vendor |
Reliable and safe, though slightly lower rates |
|
Kim Hoan PNJ Jewelry Center |
Licensed bullion center |
Stable rates with official approval |
|
Major Banks |
Safest option |
Regulated, secure, but slower and small commission fee |
Useful Tips for Exchanging Money
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Always bring your passport, especially when exchanging at banks or official counters.
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Check the current mid-market rate online so you know whether you’re getting a fair price.
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Bring new, undamaged USD bills. Older or small-denomination notes get lower rates.
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Avoid exchanging large sums at the airport or hotel, they usually charge much higher rates.
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When changing over VND 15 million (~USD 600) or USD 5,000 or more, Vietnamese law requires declaration upon arrival.
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Stick to authorized exchanges or banks to avoid counterfeits or scams.
Hopefully, you've found a few reliable choices when it comes to finding the best place to exchange money in Ho Chi Minh City. And if you're dreaming of a journey packed with authentic experiences across Vietnam, make it happen with New Asia Tours - your trusted partner for unforgettable adventures in the heart of Asia.
