Global Money Transfers: The Ultimate Financial Solution for World Citizens

Choose ACB – Comprehensive Benefits for Global Citizens

As the demand for cross-border financial services continues to rise, ACB solidifies its leadership position by offering comprehensive international money transfer solutions. Annually, the bank invests over 1 trillion VND in technology, continuously innovating to meet diverse international transaction needs. By integrating Blockchain, AI, and API, ACB enhances processing speed, reduces intermediary costs, and strengthens security.

ACB delivers comprehensive financial solutions for global citizens.

Notably, ACB has transitioned its international payment system to the MX format compliant with ISO 20022 standards, accelerating processing, enhancing accuracy, and expanding global connectivity. This enables the efficient deployment of modern services. Built on this foundation, the SWIFT GO service offers customers a swift international payment experience with fixed and transparent fees. Many transactions are completed in just 21 seconds, connecting over 70 countries within the SWIFT network—particularly beneficial for regular payments.

ACB prioritizes security in product development, especially for international money transfer services. The bank adheres to PCI DSS standards, implements 3D Secure authentication, and features proactive transaction limit management to protect accounts and prevent unauthorized transactions. ACB has been honored with three International Payment Quality Awards for Straight Through Processing (STP) rates from JP Morgan Chase, Wells Fargo Bank, and Standard Chartered Bank. According to Standard Chartered Bank, ACB’s international payment standardization rate significantly surpasses the global average of 90%. ACB maintains a global network of correspondent banks, with its international payment services recognized by global banks for years. These services are supported by advanced IT systems and a team of experienced professionals, certified by the International Chamber of Commerce (ICC).

ACB also offers practical promotions such as “Five Continents Fee Waiver – Deep Discounted Exchange Rates,” helping customers save on international transfer costs while enjoying competitive foreign exchange rates. Additionally, the ACB ONE app introduces a “one-tap foreign currency” feature, enabling online currency sales anytime, anywhere.

Meeting borderless financial needs

The world is experiencing economic and political shifts, with the monetary policies of major economies directly impacting personal finances. Notably, the U.S. Federal Reserve’s anticipated resumption of interest rate cuts by year-end, potentially accelerating in 2026, sends a significant signal to the international currency market. This could strengthen currencies like the EUR, JPY, AUD, and CAD, while the USD/VND exchange rate remains under pressure due to growth support policies and trade factors with the U.S. For those transferring money internationally, these fluctuations mean transaction costs could rise without proactive timing management.

Growing demand for international money transfers to support education, settlement, and family remittances.

Thus, the need for international money transfers—whether for education, settlement, or family support—goes beyond mere “fast transfers and full receipts.” It requires risk management for exchange rate fluctuations and cash flow optimization. With over 6 million Vietnamese living in more than 130 countries and territories, this need is increasingly evident and diverse. For families making regular tuition or living expense payments, exchange rate changes can cause total costs to exceed expectations. In such cases, tools like Forward Contracts to “lock in” exchange rates or balancing income and expenses in the same currency become essential for risk control and cash flow optimization. Natural Hedging—balancing income and expenses in the same currency—is a simple yet effective solution, especially when executed through a reputable bank like ACB, where all transactions are monitored and ensured transparency.

Furthermore, technology is reshaping international money transfers. From Blockchain and AI to SWIFT GPI and ISO 20022 standards, new platforms enable faster, more transparent, and secure transactions. The rise of Fintech and digital banking ushers in a new era where customers can transfer money across borders conveniently, cost-effectively, and securely using just a mobile app. These developments underscore ACB’s role in providing comprehensive financial solutions—combining speed, transparency, and security—to help customers confidently connect globally.

For more information on international money transfer offers, visit here or contact the nearest ACB branch/transaction office or the 24/7 Contact Center at 028 38 247 247.