Top trusted foreign currency exchange locations in Ho Chi Minh City 2025 – Good exchange rates, safe, transparent

Date: 2025.10.11

Where to Exchange Currency in HCMC for Competitive Rates in 2025

Why is Choosing the Right Currency Exchange Location Important?

In today’s globalized era, foreign currency exchange is not only a need for travelers but also an essential requirement for many businesses and individuals with international transactions. Ho Chi Minh City, as Vietnam’s largest economic center, boasts a vibrant foreign exchange market with hundreds of different currency exchange locations.

However, not every location guarantees reliability and competitive exchange rates. Choosing the wrong location not only causes financial losses but may also lead to unnecessary legal risks. According to data from the State Bank of Vietnam, USD/VND exchange rates can differ by 50-200 VND between different locations, which can amount to millions of VND for large transactions.

This article will introduce you to trusted foreign currency exchange locations in Ho Chi Minh City in 2025, helping you make optimal choices for your currency exchange needs.

Top Trusted Foreign Currency Exchange Locations in HCMC

1. Kim Mai Gold Shop

📍 84C Cong Quynh, Ben Thanh Ward
(Former address: 84C Cong Quynh, Nguyen Cu Trinh Ward, District 1)
📞 0933 888 212
⏰ Monday to Sunday: 8:00 AM – 8:00 PM

Kim Mai is an unmissable name when mentioning foreign currency exchange locations in HCMC. Located on the bustling Cong Quynh Street, Kim Mai not only deals in gold and silver but is also a trusted foreign currency exchange location. Kim Mai is known for offering competitive rates and efficiently handling large-volume transactions.

According to statistics, exchange rates at Kim Mai are usually 30-70 VND higher than those offered at most other locations, making many customers willing to travel far to conduct transactions here. Additionally, Kim Mai offers exchange rate consultation services over the phone, helping customers monitor price fluctuations before visiting in person.

2. Ha Tam Gold Shop

📍 2 Nguyen An Ninh, Ben Thanh Ward
(Former address: 2 Nguyen An Ninh, Ben Thanh Ward, District 1)
📞 (028) 38 237 243 – (028) 38 223 964
⏰ Monday to Sunday: 8:00 AM – 7:00 PM

Ha Tam is one of the gold shops with a long history in the central area of District 1. With a convenient location near Ben Thanh Market, Ha Tam attracts both domestic and international customers. Ha Tam’s specialty is Asian currencies such as Japanese Yen, Thai Baht, Singapore Dollar, and Chinese Yuan.

Exchange rates at Ha Tam are continuously updated according to international markets, ensuring customers always receive the fairest prices. Especially for customers with regular currency exchange needs, Ha Tam offers special preferential exchange rate policies.

3. Mai Van Gold Enterprise

📍 1 Nguyen An Ninh, Ben Thanh Ward
(Former address: 1 Nguyen An Ninh, Ben Thanh Ward, District 1)
📞 028 3823 1836
⏰ Monday to Saturday: 8:00 AM – 8:00 PM

Mai Van is a private enterprise specializing in gold and foreign currency trading in District 1. Despite its small scale, its reputation has been established through many years of operation, particularly trusted by regular customers. Mai Van’s strength lies in dedicated consultation services and the ability to quickly process transactions.

Exchange rates at Mai Van are usually stable and competitive, especially for common foreign currencies like USD and Euro.

4. Eximbank 59 Foreign Currency Exchange Counter

📍 153 Dong Khoi, Saigon Ward
(Former address: 153 Dong Khoi, Ben Nghe Ward, District 1)
📞 028 3823 1316
⏰ Monday to Sunday: 7:00 AM – 10:00 PM

Eximbank is one of Vietnam’s leading commercial banks, and the 59 foreign currency exchange counter is highly rated for reliability and professionalism. With a solid financial foundation, Eximbank ensures complete transparency and safety for all transactions.

Exchange rates at Eximbank are publicly quoted and updated in real-time, helping customers monitor and make informed decisions. Particularly, transactions at the bank are insured and have high legal value, suitable for large-value transactions.

5. Mi Hong Gold Shop

📍 306 Bui Huu Nghia, Gia Dinh Ward
(Former address: 306 Bui Huu Nghia, Ward 2, Binh Thanh District)
📞 028 3841 0068
⏰ Monday to Sunday: 8:00 AM – 8:00 PM

Established in 1989, Mi Hong is one of the most reputable gold shops in Saigon, licensed by the State Bank to legally trade gold bars and exchange foreign currency. It provides exchange services for many popular foreign currencies such as USD, Euro, Japanese Yen, British Pound, and many other currencies, meeting the needs of travel, study abroad, and business.

Exchange rates at Mi Hong usually differ by about 30–60 VND compared to commercial banks, depending on the type of foreign currency and transaction volume. This is quite competitive compared to the general rate, especially when customers exchange large amounts or frequently.

The staff team is knowledgeable about the market, provides quick support, with no quantity limits, suitable for both individuals and businesses.

6. Kim Tam Gold Shop

📍 444 Pham Van Hai, Tan Son Nhat Ward
(Former address: 444 Pham Van Hai, Ward 5, Tan Binh District)
📞 028 3846 1729
⏰ Monday to Sunday: 8:00 AM – 9:00 PM

A reputable location in Tan Binh, operating for many years in gold, silver, jewelry, and foreign currency exchange, highly rated by customers for reliability.

Exchange rates at Kim Tam are usually 20–40 VND higher than banks, especially for USD and Euro. Regular customers can negotiate for even better rates.

7. DOJI Gold Silver Jewelry Gemstone Center

DOJI jewelry stores have many branches nationwide and are licensed to operate foreign currency exchange:
📍 66 Cach Mang Thang 8, Xuan Hoa Ward
(Former address: 66 Cach Mang Thang 8, Ward 6, Tan Binh District)
📞 028 7300 0228
📍 239 Nguyen Thi Thap, Tan My Ward
(Former address: 239 Nguyen Thi Thap, Tan Phu Ward, District 7)
📞 028 7300 5818
📍 214 Phan Dang Luu, Duc Nhuan Ward
(Former address: 214 Phan Dang Luu, Ward 4, Phu Nhuan District)
📞 028 3995 3666
📍 231 3 Thang 2, Vuon Lai Ward
(Former address: 231 3 Thang 2 Street, Ward 10, District 10)
📞 028 7300 0332
⏰ Monday to Sunday: 8:30 AM – 8:30 PM

Established in 1994, DOJI is a Vietnamese national brand, among the top 5 largest private enterprises, licensed by the State Bank to legally trade gold bars and exchange foreign currency. It provides exchange services for popular foreign currencies such as USD, Euro, Japanese Yen, British Pound, AUD, and many other currencies, meeting travel, study abroad, and investment needs.

DOJI publicly quotes prices, with exchange rates usually differing by 10–30 VND from banks, depending on the foreign currency type. While not as high as private gold shops, exchanging at DOJI provides peace of mind, clear invoices and full legal support.

8. Thien Xuan Foreign Currency Exchange (69)

📍 38 Phan Boi Chau St., Ben Thanh Ward
(Former address: 38 Phan Boi Chau, Ben Thanh Ward, District 1)
📞 0909 946 817
⏰ Monday to Sunday: 8:00 AM – 8:00 PM

Thien Xuan is one of the reputable foreign currency exchange locations in the Ben Thanh Market area, HCMC. It offers competitive exchange rates, helping customers get the best value when exchanging money. Thien Xuan accepts many popular foreign currencies such as US Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), Canadian Dollar (CAD), and some other Asian currencies.

Exchange rates at Thien Xuan are usually 30–70 VND higher than bank rates, especially for currencies like USD, EUR, JPY. This is a location that many tourists pass on by word of mouth due to good rates and simple procedures.

9. Hung Long Money Exchange

📍 86 Mac Thi Buoi, Saigon Ward
(Former address: 86 Mac Thi Buoi, Ben Nghe Ward, District 1)
📞: 028 3829 7887
⏰: Monday to Sunday: 8:00 AM – 8:00 PM

With professional service, Hung Long provides competitive exchange rates for many popular foreign currencies such as US Dollar (USD), Euro (EUR), Japanese Yen (JPY), British Pound (GBP), and Australian Dollar (AUD).

Exchange rates at Hung Long are usually 25–50 VND higher than banks, depending on the time of day. With a central location and stable customer flow, Hung Long is rated as one of the quick and safe currency exchange locations in District 1.

Important Notes When Exchanging Foreign Currency

Check Exchange Rates Before Trading

Foreign currency exchange rates fluctuate continuously according to international markets. According to data from the State Bank of Vietnam, USD/VND exchange rates can change by 10-50 VND in just one day. Therefore, you should monitor exchange rates from various sources before deciding to exchange money.

Prepare Identity Documents

According to State Bank regulations, foreign currency transactions valued at 15 million VND or more require identity documents to verify identity and purpose of use.

– For Vietnamese citizens: prepare valid ID card, citizen ID card, or passport.
– For foreigners: must present valid passport with valid visa, or temporary/permanent residence card (TRC/PRC) if available.

Some exchange locations may also require proof of foreign currency usage purpose, such as airline tickets, work invitations, study abroad contracts, especially for large-volume transactions.

👉 Note: You should call ahead to clearly ask about required documents at each location to avoid wasting time when coming to exchange money.

Carefully Check Money Before Receiving

Verifying the authenticity of foreign currency is very important. Check factors such as: color, paper material, security features, and serial numbers on the bills. Especially with USD, pay attention to details like: security strips, watermarks, and color-changing ink.

Appropriate Currency Exchange Timing

Statistics show that exchange rates tend to be better at the beginning of the week and end of the month. However, this is not always true and depends on many macroeconomic factors. If you don’t have urgent needs, you can monitor exchange rates for several days to choose the appropriate time.

Common Mistakes When Exchanging Foreign Currency

Only Focusing on Exchange Rates While Ignoring Reputation

Many people only focus on the highest exchange rates while ignoring the reputation factor of currency exchange locations. This can lead to receiving counterfeit money or being scammed. According to reports from Ho Chi Minh City Police, there are hundreds of fraud cases related to foreign currency exchange each year.

Not Comparing Exchange Rates Between Locations

Not comparing exchange rates can cause significant losses. With a 1,000 USD transaction, a 100 VND exchange rate difference between locations can equivalent to 100,000 Vietnamese dong.

Exchanging Money at Inappropriate Times

Many people tend to exchange money on weekends or holidays when reputable locations are closed, forcing them to accept poorer exchange rates at places that are still open.

Foreign Currency Market Trends in 2025

Impact of Digital Economy

With the strong development of blockchain technology and cryptocurrencies, the traditional foreign exchange market is undergoing significant changes. However, the demand for cash exchange still exists, especially in tourism and small retail trade.

Impact of Exchange Rate Policy

The State Bank has made adjustments to exchange rate policy to stabilize the market. This creates a more favorable environment for foreign currency transactions and reduces risks for people.

Service Digitization Trend

Many foreign currency exchange locations have begun applying digital technology to improve services, such as providing online exchange rates, phone reservations, and cashless payments.

Conclusion

Choosing reputable foreign currency exchange locations in Ho Chi Minh City ensures cost savings and secure transactions. The locations introduced in this article all have reputations established through many years of operation and are trusted by the community.

However, you need to keep an eye on fluctuating rates, compare options, and select trusted services for peace of mind. Take time to monitor the market, compare exchange rates between locations, and most importantly, choose reputable places to ensure safety for your transactions.

With the information shared in this article, we hope you will make suitable and smart choices for your foreign currency exchange needs in Ho Chi Minh City in 2025.