If you’ve ever sent money home to Vietnam or another destination and felt unsure whether you got a fair deal, you’re not alone. Thousands of Australian remittance users ask the same question every week. This guide cuts through the noise: what Hai Ha Money Transfer actually offers, where the prices land, and whether the company’s history raises any red flags worth knowing about.

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Years established: 20+ · Countries served: 70+ · Australia offices: 6 · Agent locations: 21 · App destinations: 18+

Quick snapshot

1Confirmed facts
  • Over 20 years in Australia with 6 offices and 21 agents (Wise review)
  • App transfers to 18+ countries (Google Play)
  • Charges from $5 minimum on smaller transfers (Wise review)
2What’s unclear
  • Exact current fee schedule across all corridors
  • Complete list of all 70+ countries served
  • Court outcomes from 2019 ACCC cartel charges
3Timeline signal
  • Price-fixing investigation period: 2011–2016 (ACCC)
  • Charges filed: 11 April 2019 (ACCC)
4What happens next
  • Verify fees directly with agent before transferring
  • Compare to Wise’s mid-market rate for large transfers

Key facts

Here’s the operational profile pulled from public records and verified sources.

Attribute Details
Founded Over 20 years ago (2006)
Headquarters Australia
Office count 6 + 21 agent locations
App countries 18+ via mobile app
Total reach 70+ countries
Transfer minimum $10 for most currencies
Supported currencies AUD, USD, EUR, CAD, CHF, FJD, GBP, HKD, INR, JPY, NZD, PHP, SGD, THB, VND
Security partnership Ripple blockchain integration

The table shows a mature operator with physical presence and app capability, though verified fee data remains limited to specific corridors.

What is a Hai Ha transfer?

Hai Ha Money Transfer is an Australian remittance service that started by serving the Vietnam corridor and later expanded to reach over 70 countries worldwide. The company operates 6 physical offices and 21 agent locations across Australia, with a mobile app covering 18+ destinations for online transfers.

Overview of Hai Ha Money Transfer

Originally focused on sending money to Vietnam, Hai Ha gradually broadened its network to include Cambodia and the rest of the world. The service supports multiple transfer methods: bank deposits, cash pickup at agents, and home delivery in eligible countries. According to Wise’s independent review, the company uses a transfer rate with a markup applied, which differs from services like Wise that pass on the mid-market exchange rate directly to customers.

How it uses Ripple

Hai Ha integrates with Ripple’s blockchain network for certain transactions, which the company markets as enhanced security and faster settlement. The official website promotes this as a differentiator from traditional wire services. Transfer timing varies: SWIFT transfers may take 1–2 business days and can expose transfers to intermediary bank fees, while Ripple-settled transactions may clear faster for supported corridors.

What to watch

When comparing exchange rates, Hai Ha lists separate buy, sell, and transfer rates. Always confirm the exact rate with an agent at transaction time — the spread between rates affects how much your recipient actually receives.

Is Hai Ha Money Transfer safe to use?

Hai Ha operates as a registered money transfer business in Australia, and the company promotes enhanced security features including encrypted transactions and identity verification for account setup. However, potential users should be aware of documented regulatory concerns that affect the broader Australian-Vietnam remittance corridor.

Security features

The Hai Ha blog emphasizes that the service uses enhanced security measures, instant transfer capabilities for eligible routes, and a user-friendly interface. Online account setup requires personal details and ID approval before sending funds. The company states it offers competitive exchange rates alongside these security measures.

Regulatory history to know

The Australian Competition and Consumer Commission (ACCC) filed criminal charges on 11 April 2019 against a money transfer business and five individuals for allegedly fixing the AUD/VND exchange rate and fees between 2011 and 2016. According to the ACCC, Vina Money Transfer Pty Ltd was charged under cartel provisions relating to exchange rates and fees for Vietnam transfers. The ACCC’s investigation focused on Sydney and Melbourne businesses serving the Vietnam remittance corridor.

“Criminal cartel charges have been laid against a money transfer business and five individuals for allegedly fixing the Australian dollar / Vietnamese dong exchange rate and fees.”

— ACCC media release, 11 April 2019

The implication: Hai Ha itself was not named in those charges, but the investigation involved businesses in the same corridor and cities where Hai Ha operates. Public court outcomes from the 2019 charges remain unclear from available records, making it difficult to assess whether any entities faced penalties.

How Hai Ha delivers your remittances safely & securely

Recipients can receive funds through multiple delivery methods depending on the destination country: home delivery, cash pickup at agent locations, bank account deposit, or e-wallet transfer. The Google Play app listing confirms these options are available for supported corridors. The Ripple blockchain integration provides settlement records that both sender and recipient can reference, adding a layer of transparency to the transaction trail. For in-person transfers, the six physical offices offer face-to-face verification, which some users prefer over purely digital transactions.

The catch

Fee structures are complicated and vary by amount sent. Local banks in destination countries may add receiving fees, meaning your recipient could get less than the transfer amount suggests. Always confirm total cost before sending.

What countries use Hai Ha transfer?

Hai Ha serves over 70 countries through its combined network of offices, agents, and mobile app. The app alone supports transfers to 18+ countries, while agent and office locations extend the reach further through partnerships with local financial institutions.

Key destinations like Vietnam to Australia

Vietnam remains Hai Ha’s core corridor, with the company originally founded specifically for Australia-to-Vietnam remittances. Cambodia was added as a secondary focus. The Google Play app listing indicates recipients can receive funds via home delivery, cash pickup, bank account deposit, or e-wallet depending on the destination country.

Full reach via app and agents

For users sending money from Australia, the service covers multiple regions: Southeast Asia (Vietnam, Cambodia, Philippines, Thailand, Singapore), South Asia (India), East Asia (China, Hong Kong, Japan), Europe (UK, Eurozone), North America (US, Canada), and Pacific nations (New Zealand, Fiji). Hai Ha’s official site lists promotions for $0 fee on first transfer and currency exchange discounts for various corridors.

The pattern: the company started narrow (Vietnam only) and expanded outward, which means core corridor reliability likely exceeds peripheral destinations where the network depends on third-party partners.

What are the fees for Hai Ha transfers?

Fee structures at Hai Ha depend on the transfer amount and destination. The company charges a minimum of $5 for smaller transfers between $10 and $200, with fees scaling upward for larger amounts. A bank transfer of AUD 1,000 to VND costs AU$17 plus possible additional bank fees, according to Wise’s fee analysis.

Service fees breakdown

For a cash transfer of 200 AUD to Vietnam on 19 August 2025, the World Bank recorded a fee of AUD 5.00 with an exchange rate of 16,980 VND per AUD and a margin of 0.48%, bringing the total cost to 2.98%. This data from the World Bank Remittance Prices database provides a verified benchmark for the Vietnam corridor.

Hai Ha money transfer fee in Australia

Compared to competitors: a 1,000 AUD transfer via Wise costs approximately AU$10.42 (including a 0.75% percentage fee plus fixed charge) using the mid-market rate, versus Hai Ha’s AU$17 plus potential bank fees. Finder’s comparison notes that Hai Ha exchange rates are usually better than those offered by Australian banks, though both competitors apply markups versus the mid-market rate. CHOICE’s industry review found that 12 of 15 major services now adhere to best practice on fee disclosure, showing improvement since 2020.

The upshot

Online rates through Hai Ha’s app are better than in-store rates, with potential savings up to $10 according to the company’s own promotions. For larger transfers, comparing the total cost (fees plus exchange rate margin) against services like Wise could save meaningful amounts.

Is Hai Ha money transfer reliable?

Customer reviews and operational track record provide mixed signals on reliability. The official Hai Ha website displays testimonials praising friendly staff, good rates, low fees, and quick execution. ProductReview.com.au reviewers describe exchange rates as excellent with frequent promotional offers and fast transfers.

Reviews and reliability checks

Positive feedback centers on the company’s longevity — over 20 years in the Australian market — and physical presence with six offices and 21 agents providing face-to-face service. One customer testimonial on Hai Ha’s site calls it “probably the best money transfer service out there” with effortless setup and good rates. The company’s blog advises users to check reputable providers to avoid fraud, positioning itself within the trustworthy provider category.

Legitimacy verification

Hai Ha is a legitimate registered business in Australia with a documented operational history. The Ripple partnership adds transparency through blockchain settlement records. However, the 2019 ACCC cartel investigation involving businesses in the same Vietnam remittance corridor raises questions that only public court records can definitively answer — and those outcomes remain unclear from available sources.

“With enhanced security measures, instant transfers, a user-friendly interface, and competitive exchange rates, Hai Ha stands out as the trusted partner.”

— Hai Ha blog

The pattern: testimonials on the company’s own site reflect positive experiences but lack independent verification. External review aggregators provide additional data points, though average ratings from independent platforms aren’t available in current records.

Service comparison

Three services, three pricing approaches: here’s how Hai Ha stacks up against alternatives for the Australia-to-Vietnam corridor.

Feature Hai Ha Wise Australian Banks
Rate type Markup applied Mid-market rate Significant markup
1,000 AUD fee AU$17 + bank fees AU$10.42 Varies, often higher
Transfer speed 1–2 days (SWIFT), faster (Ripple) Hours to 1–2 days 2–5 business days
Physical locations 6 offices, 21 agents Online only Widespread branches
First-transfer promo $0 fee None specified None

The comparison shows that for 1,000 AUD transfers, Wise offers a lower total cost through mid-market rates, while Hai Ha’s markup makes it more expensive than Wise for larger transfers but potentially competitive for smaller amounts where flat fees dominate. Banks generally charge more on both fees and exchange margins.

Pros and cons

Upsides

  • 20+ years of Australian operations with established physical presence
  • App transfers to 18+ countries with potentially lower online rates
  • $0 first-transfer promotion available
  • Ripple integration for security and faster settlement on select routes
  • Multiple recipient options: bank, cash pickup, home delivery, e-wallet
  • Rates typically better than Australian banks

Downsides

  • Exchange rate includes markup versus mid-market rate
  • Fee structures are complicated and vary by amount
  • Regulatory history in the Vietnam corridor (2019 ACCC charges)
  • Local receiving bank fees may reduce recipient payout
  • SWIFT transfers expose funds to intermediary bank fees
  • Exact current fee schedule across all corridors remains unclear

The split illustrates the core tension: physical presence and corridor experience versus price transparency and regulatory baggage from the broader corridor.

What we know versus what remains unclear

Confirmed facts

  • Over 20 years in Australia, 6 offices, 21 agents (Wise)
  • App supports transfers to 18+ countries (Google Play)
  • Total reach: 70+ countries via network
  • Fee: $5 minimum for small transfers; $17 for AUD 1,000 SWIFT transfer (Wise)
  • World Bank verified: 200 AUD to VND costs AUD 5 fee at 16,980 VND/AUD on 19 Aug 2025 (World Bank)
  • ACCC filed cartel charges related to AUD/VND price fixing in April 2019 (ACCC)

Claims needing more verification

  • Complete list of all 70+ countries in the network
  • Court outcomes from the 2019 ACCC cartel case
  • Average customer rating from independent review platforms
  • Current exact fee schedule for all corridors
  • Whether Ripple settlement is available for all app transfers or specific routes only

The implication: confirmed facts support operational legitimacy, but gaps in regulatory outcomes and complete fee schedules leave meaningful questions for users making large or frequent transfers.

Expert perspectives

Independent voices from consumers and industry analysts offer additional context for evaluating remittance services.

“Exchange rates are excellent. Offers and discounts are given from time to time. A transfer is executed very quickly.”

— Customer review on ProductReview.com.au

“Many services charge flat fees under certain amounts; others like Wise use percentage-based fees. The total cost depends on both the fee and the exchange rate margin.”

— CHOICE analysis on overseas money transfer fee structures

The consensus from consumer advocates and independent reviewers suggests that for the Australia-Vietnam corridor specifically, Hai Ha competes on convenience and physical presence against pure-play online services, while rates and fees require case-by-case comparison before committing to a transfer.

Why this matters

For Australian workers sending money home regularly, a 1–2% difference in exchange rate margin on a AUD 10,000 monthly transfer amounts to AUD 100–200 lost annually compared to mid-market rates. Choosing a provider involves weighing physical convenience against price efficiency.

Bottom line

Hai Ha Money Transfer offers a legitimate, long-established option for Australian remittance users, particularly those who value in-person service at one of six offices. The app provides online convenience for 18+ destinations with promotional pricing like $0 first transfers. However, the company’s use of exchange rate markups means larger transfers cost more than services like Wise that pass on mid-market rates, and the 2019 ACCC cartel investigation involving businesses in the same corridor deserves acknowledgment when evaluating trust.

For Australian remittance users comparing providers: check the total cost (fees plus rate margin) for your specific amount and corridor before sending. Use the World Bank Remittance Prices database or compare directly with Wise for the AUD-VND route as a benchmark. For smaller, infrequent transfers where convenience outweighs cost, Hai Ha’s physical presence and app options work well. For regular, larger transfers, the math may favor a mid-market rate provider.

Related reading: 15000 USD to AUD – Live Rates and Provider Comparison · SAR to AUD – Current Rate, Charts and Conversion Guide

Hai Ha Transfer supports Australian remittances to over 70 destinations, while NZ overseas transfer providers help New Zealand users find the cheapest overseas options with competitive rates.

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Frequently asked questions

What is the Hai Ha money exchange rate today?

Hai Ha lists separate buy, sell, and transfer rates. Exchange rates are updated daily and vary by corridor. For the AUD-VND route, the World Bank recorded 16,980 VND per AUD on 19 August 2025 with a 0.48% margin. Confirm current rates directly with a Hai Ha agent or through the app before initiating a transfer.

Does Hai Ha Money Transfer have an app?

Yes. The Hai Ha app is available for Apple and Android devices. It supports transfers to 18+ countries with options to pay via PayID, bank transfer, or card. Recipients can receive funds via home delivery, cash pickup, bank account, or e-wallet depending on the destination.

Where is Hai Ha money transfer in Footscray?

Hai Ha operates six offices across Australia. The company has a presence in Melbourne’s western suburbs, where a significant Vietnamese-Australian community resides. Contact the company directly or check the official website for current office locations and hours, as these may change.

What is Hai Ha money transfer fee in Australia?

Fees start at $5 for transfers between $10 and $200. For larger amounts like AUD 1,000 to VND via bank transfer, expect to pay AU$17 plus possible additional bank fees according to Wise’s fee analysis. Online rates through the app are better than in-store rates, with potential savings up to $10.

Is Hai Ha Money transfer Vietnam to Australia available?

Yes. Vietnam is Hai Ha’s core corridor and was the original focus when the company launched over 20 years ago. Both office visits and app-based transfers support the Australia-to-Vietnam route, with multiple recipient delivery options including cash pickup, bank deposit, and home delivery.

What are signs of fake money transfers?

Warning signs include unsolicited messages claiming you’ve won a prize and need to pay a transfer fee to claim it, pressure to send money quickly without verification, and requests to use unusual payment methods like gift cards or cryptocurrency. Use only verified provider websites and offices, never share transfer confirmation codes with unknown parties, and confirm all transactions through official channels.

What is the cheapest way to transfer money internationally?

For Australian users, mid-market rate providers like Wise typically offer the lowest total cost because they pass the real exchange rate to customers without markup. However, the cheapest option depends on your amount, destination, and urgency. Compare the total cost (fees plus exchange rate margin) across at least three providers before transferring large amounts. For small transfers, flat-fee services may be cheaper than percentage-based fees.