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

URL: https://japanhow.com/money/remittance/send-money-japan-to-vietnam/
Author: japanhow editors
Updated: Oct 20, 2026

## Summary

As of October 2026, Remitly gave the most dong on our ¥100,000 sample to a Vietnamese bank account: VND 16,238,458 after a ¥200 fee, for a returning customer paying by bank transfer. SBI Remit gave VND 16,176,120, Western Union VND 16,167,511 and Wise VND 16,133,471. KYODAI (¥760), Brastel (¥880) and Seven Bank (¥890) publish fees, but we couldn't record their rates. MoMo payouts exist through Remitly and Brastel. Japan Post Bank charges ¥3,000.

## Key facts

- Most received on our sample: VND 16,238,458 (Remitly)
- Lowest published fee: ¥760 (SBI Remit, KYODAI, WU)
- MoMo payout: Remitly, Brastel
- Japan Post Bank fee: ¥3,000

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.

| Provider | Fee | Rate (1 JPY =) | Recipient gets (bank) | Total cost |
|---|---|---|---|---|
| Remitly | ¥200 | 162.71 VND | VND 16,238,458 | 0.60% |
| SBI Remit | ¥760 | 163.00 VND | VND 16,176,120 | 0.98% |
| Western Union | ¥760 | 162.91 VND | VND 16,167,511 | 1.04% |
| Wise | ¥1,244 | 163.367 VND | VND 16,133,471 | 1.24% |

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

| Provider | Fee for ¥100,000 | Payouts |
|---|---|---|
| KYODAI Remittance | ¥760 | Bank, cash pickup, e-wallet |
| Brastel Remit | ¥880 | Bank, cash pickup, MoMo |
| Seven Bank with Western Union | ¥890 bank, ¥1,950 cash | Bank, Western Union agents |
| Japan Post Bank | ¥3,000, plus possible intermediary charges | Bank (SWIFT) |
| MUFG Bank (online) | ¥3,000, plus 0.050% (min ¥2,500) if sent in yen | Bank (SWIFT) |

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](/money/remittance/send-money-from-japan/): 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.

| Provider | Cost | Speed | Payouts | Sign-up | Support | Regulation | Overall |
|---|---|---|---|---|---|---|---|
| Remitly | 8.2 | n/a | 9 | 8 | 7 | 10 | **8.5** |
| Western Union | 6.9 | n/a | 8 | 7 | 7 | 10 | **7.7** |
| SBI Remit | 7.1 | 7 | 6 | 7 | 7 | 10 | **7.3** |
| Wise | 6.3 | 9 | 4 | 8 | 8 | 10 | **7.3** |

- **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.

**Get the account details right:** SBI Remit charges ¥1,000 when a remittance error forces a cancellation. Check the bank, account number and the recipient's name before you pay.

## 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](/money/remittance/send-money-from-japan/) explains the limits and the cash options.

More guides: [send money from Japan to the Philippines](/money/remittance/send-money-japan-to-philippines/), [send money from Japan to Nepal](/money/remittance/send-money-japan-to-nepal/) and [opening a bank account in Japan](/money/banking/bank-account-for-foreigners-japan/).

## Questions people ask

### What is the cheapest way to send money from Japan to Vietnam?

On our ¥100,000 sample on October 20, 2026, Remitly gave VND 16,238,458 to a bank account after a ¥200 fee. SBI Remit, Western Union and Wise gave VND 16,133,471 to 16,176,120. Rates change daily, so compare on the day.

### Can I send money from Japan to MoMo?

Yes. Remitly lists MoMo as a mobile wallet payout, and Brastel Remit pays to MoMo within 15 minutes, up to VND 20,000,000 per transfer. Western Union also offers mobile money for Vietnam.

### Can the recipient in Vietnam collect cash?

Yes. SBI Remit's cash pickup pays US dollars through MoneyGram, usually in about 10 minutes. Western Union, Brastel, KYODAI and Remitly also offer cash pickup.

### How long does a transfer from Japan to Vietnam take?

Brastel says 30 minutes to 1 hour for a bank deposit and within 15 minutes for MoMo. Wise says most of its transfers arrive within seconds, and 95% the same day.

## Sources

- [資金移動業者登録一覧 (as of Aug 31, 2026)](https://www.fsa.go.jp/menkyo/menkyoj/shikin_idou.xlsx), 金融庁 (FSA) (accessed Oct 20, 2026)
- [資金決済に関する法律施行令, art. 12-2](https://laws.e-gov.go.jp/law/422CO0000000019), e-Gov 法令検索 (accessed Oct 20, 2026)
- [国外送金等調書法 (Overseas Wire Transfer Statement Act)](https://laws.e-gov.go.jp/law/409AC0000000110), e-Gov 法令検索 (accessed Oct 20, 2026)
- [Send money to Vietnam (calculator)](https://wise.com/jp/send-money/send-money-to-vietnam), Wise (accessed Oct 20, 2026)
- [Getting verified in Japan](https://wise.com/help/articles/2968293/getting-verified-in-japan), Wise (accessed Oct 20, 2026)
- [Remittance fee](https://www.remit.co.jp/en/kaigaisoukin/exchangeratecommission/commission/), SBI Remit (accessed Oct 20, 2026)
- [Current exchange rates (2026/10/20 02:31)](https://ires.remit.co.jp/IRESWeb/ExchangeDirect.jsf), SBI Remit (accessed Oct 20, 2026)
- [Remittance to Vietnam](https://www.remit.co.jp/en/kaigaisoukin/sendremittance/remittancearea/vietnam/), SBI Remit (accessed Oct 20, 2026)
- [Western Union Japan (home page and price calculator)](https://www.westernunion.com/jp/en/home.html), Western Union Japan (accessed Oct 20, 2026)
- [Send money to Vietnam from Japan (page and calculator)](https://www.remitly.com/jp/en/money-transfer/send-money-to-vietnam), Remitly (accessed Oct 20, 2026)
- [Send money to India from Japan (payment and ID rules)](https://www.remitly.com/jp/en/money-transfer/send-money-to-india), Remitly (accessed Oct 20, 2026)
- [Fees](https://kyodairemittance.com/fees), KYODAI Remittance (accessed Oct 20, 2026)
- [Fees](https://brastelremit.jp/eng/fees), Brastel Remit (accessed Oct 20, 2026)
- [The smartest app to send money from Japan](https://brastelremit.jp/24h/), Brastel Remit (accessed Oct 20, 2026)
- [International Money Transfer Service (with Western Union)](https://www.sevenbank.co.jp/soukin/en/wu/), Seven Bank (accessed Oct 20, 2026)
- [Instarem Japan](https://www.instarem.com/en-jp/), Instarem (accessed Oct 20, 2026)
- [Convenience store remittance](https://www.remit.co.jp/en/kaigaisoukin/sendremittance/method/famiport/), SBI Remit (accessed Oct 20, 2026)
- [ATM tie-ups with Unidos, Queen Bee Capital and Dicommunications (May 1, 2026)](https://digitalpr.jp/r/133924), Seven Bank (accessed Oct 20, 2026)
- [Deposit fee](https://www.remit.co.jp/en/kaigaisoukin/exchangeratecommission/deposit/), SBI Remit (accessed Oct 20, 2026)
- [料金 (国際送金)](https://www.jp-bank.japanpost.jp/ryokin/rkn_others.html), ゆうちょ銀行 (accessed Oct 20, 2026)
- [外為手数料（個人のお客さま）](https://www.bk.mufg.jp/tesuuryou/gaitame.html), 三菱UFJ銀行 (accessed Oct 20, 2026)