Send money from Japan to Vietnam: providers, fees and MoMo compared

To send money from Japan to Vietnam, use a registered money transfer company (資金移動業者) from its app or website. On our sample of ¥100,000 sent on October 20, 2026, Remitly gave the most to a Vietnamese bank account: VND 16,238,458 after a ¥200 fee. SBI Remit, Western Union and Wise gave VND 16,133,471 to 16,176,120. Japan Post Bank charges ¥3,000 before its rate. You need your residence card (在留カード) and My Number (個人番号), as of October 2026.

How much does ¥100,000 to Vietnam cost?

We priced ¥100,000 paid in total by bank transfer, using quotes captured between 02:31 and 02:38 JST on October 20, 2026. Where a provider adds the fee on top, we took it out of the ¥100,000 first. Wise’s mid-market rate at that moment was 1 JPY = 163.367 VND. Rates change every day.

Total cost compares what arrives with ¥100,000 at the mid-market rate. Remitly’s figure is the regular price for a returning customer. New customers got a promotional rate of 163.60 VND and no fee on their first ¥100,000.

Western Union’s mobile money rate was the same as its bank rate. Its cash pickup rate was 162.83 VND, giving VND 16,159,407. SBI Remit’s cash pickup pays US dollars, not dong: at 62.61 USD per ¥10,000, ¥100,000 less the ¥760 fee gave about $621.

Fee only, rate not captured

Instarem also sends from Japan to Vietnam, from its app, for ¥5,000 to ¥1,000,000 per transfer. Its public calculator didn’t give a clear price for ¥100,000. Digital Wallet, the company behind the Smiles app, is also FSA-registered, but we couldn’t find an official fee table to compare.

Which provider is best for Vietnam?

We score each provider with a full price on the sample, using our remittance method: total cost (30%), speed (15%), payout options (15%), sign-up for foreigners (15%), support (10%) and regulation (15%). “n/a” means no evidence, and it’s left out of the average.

• Remitly: most dong on our sample, with bank, cash pickup, MoMo and home delivery; no published delivery times.
• Western Union: bank, mobile money and cash pickup in dong, for ¥760.
• SBI Remit: second-most dong to a bank account, but cash pickup is in US dollars only.
• Wise: mid-market rate and usually fast, but bank accounts only and the highest fee of the four.

All four are registered with the FSA: Remitly Japan (Kanto 00077), Western Union Japan (Kanto 00039), SBI Remit (Kanto 00008) and Wise Payments Japan (Kanto 00040).

Best for:

• Most dong to a bank account: Remitly.
• MoMo: Remitly, or Brastel for its published 15-minute delivery.
• Cash in dong: Western Union. SBI Remit pays cash in US dollars.

How does the money arrive in Vietnam?

• Bank account: every provider here. SBI Remit pays to all banks in Vietnam, in VND only. Remitly names Vietcombank, Agribank, BIDV, Techcombank and Vietinbank. Brastel says a bank deposit takes 30 minutes to 1 hour.
• MoMo: Remitly lists MoMo. Brastel’s MoMo payout arrives within 15 minutes, up to VND 20,000,000 per transfer.
• Cash pickup: SBI Remit through MoneyGram, in US dollars, usually about 10 minutes. Brastel says 2 hours to 1 day.

How do I send money to Vietnam step by step?

Can I pay in cash without a bank transfer?

Yes, with some providers. This helps if you’re new in Japan and your bank account isn’t ready yet.

• SBI Remit at FamilyMart: pay cash at the Multi Copier with a 17-digit order number, up to ¥100,000 per deposit, 07:00 to 21:00. The deposit fee is ¥800 for ¥50,000 to ¥100,000, on top of the remittance fee.
• SBI Remit’s Remit Card: deposit at Japan Post ATMs for ¥330 up to ¥50,000 and ¥500 above, or at Lawson Bank ATMs for ¥300.
• Brastel’s free card: deposit at Japan Post Bank ATMs for ¥440 (¥1,000 to ¥110,000).
• Seven Bank ATMs: since May 2026, KYODAI customers can deposit cash at Seven Bank ATMs with a card or the スマホATM smartphone service.
• Western Union: accepts cash at convenience stores (コンビニ払い).

Remitly doesn’t accept cash at ATMs or credit cards from Japan. Wise is cheapest when you pay by bank transfer; a debit card raised its fee on our sample to about ¥3,700 to ¥4,900.

What do I need to sign up in Japan?

• Residence card (在留カード). Wise, SBI Remit, Western Union, Remitly and Brastel accept it as ID for foreign residents.
• My Number. The overseas transfer reporting law requires it for every transfer abroad, including through money transfer companies.
• A way to pay in yen. Most providers want a bank transfer; the cash options are above.

Each transfer through a Type 2 provider is capped at ¥1,000,000 by law, and transfers over ¥1,000,000 are reported to the tax office. Our send money from Japan guide explains the limits and the cash options.

More guides: send money from Japan to the Philippines, send money from Japan to Nepal and opening a bank account in Japan.