How to Send Money from Japan to Vietnam【2026 Route & Fee Comparison】
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📋 Contents
As of June 2025, approximately 660,000 Vietnamese nationals live in Japan (a record high, 2nd by nationality). Demand for remittances to family back home is exceptionally high. The main options are Wise, SBI Remit, and Kyodai Remittance. Bank wire transfers (megabanks, Japan Post) are typically far more expensive in fees and exchange rates and are generally not recommended.
① Service Comparison (Japan → Vietnam)
| Service | Fee (reference) | Exchange rate | Speed | Payout method | Rating |
|---|---|---|---|---|---|
| WiseLow-cost pick | 0.5–1% (≈¥300–500 per ¥50,000 · reference) | Mid-market rate | Hours–1 business day | VN bank account | ⭐⭐⭐⭐⭐ |
| SBI Remit | From ~¥460 (reference) | SBI proprietary rate (may be slightly worse) | Same day–1 business day | Bank / Cash pickup | ⭐⭐⭐⭐ |
| Kyodai Remittance | From ¥460 (reference) | Proprietary rate | Same day–next business day | Bank / Cash pickup | ⭐⭐⭐⭐ |
| Megabanks | ¥2,500–5,000 + rate spread | TTS rate (least favorable) | 2–5 business days | Bank account | ⭐⭐ |
- When sending money from Japan to Vietnam, specialized remittance services such as Wise, SBI Remit, and Kyodai Remittance tend to offer an advantage over bank transfers in terms of fees and exchange rates.
- Wise uses the mid-market rate, so for small to mid-size amounts (roughly 50,000-200,000 yen) it can be easier to keep the total cost down.
- In addition to bank deposits, SBI Remit and Kyodai Remittance sometimes support cash pickup at MoneyGram partner locations and similar points.
- The recipient's account name must match the name entered at the time of the transfer (in the Roman-alphabet spelling matching their passport or similar ID).
* All fees and rates are indicative and change with amount, timing, and payment method. Always check the official sites before sending.
Not sure which service? Try the 3-question finder →② Sending to Vietnam via Wise
- Supported banks
- Vietcombank, BIDV, VietinBank, Agribank, Techcombank, Sacombank and other major banks (some banks may not be supported — verify on Wise's official site)
- Required info
- Recipient's full name (Latin script, matching passport/ID), bank name, branch, account number, SWIFT code
- Transfer limit
- Up to approx. 499,999,999 VND per transfer (depends on verification level)
- Fee example
- ¥50,000 → approx. ¥300–500 (reference)
- Open the Wise app, select "Send money," enter amount (JPY) and "VND"
- Enter recipient details (name, bank, account number, SWIFT code)
- Fund the transfer via bank transfer or convenience store payment
- Track delivery in the app — typically arrives in hours to 1 business day
Vietcombank: BFTVVNVX / BIDV: BIDVVNVX / VietinBank: ICBVVNVX / Techcombank: VTCBVNVX / Agribank: VBAAVNVX
③ Sending to Vietnam via SBI Remit
SBI Remit supports direct bank deposits in Vietnam and cash pickup through MoneyGram (funds can be available in approximately 10 minutes in some cases). Fees can be competitive for smaller amounts, but the exchange rate markup means Wise is sometimes cheaper overall. Use both simulators to compare actual received amounts before each transfer.
Kyodai Remittance is another popular choice among Vietnamese residents in Japan, offering Vietnamese-language support and both bank transfer and cash pickup options.
④ How to Receive Money in Vietnam
- Bank account deposit: Major banks (Vietcombank, BIDV, VietinBank, Sacombank, Techcombank, Agribank) generally accept international transfers
- Cash pickup: Available via MoneyGram partner locations with SBI Remit and Kyodai Remittance
- Mobile wallets: MoMo, ZaloPay, VNPay — direct wallet transfers are still limited from major services in 2026; check official sites for the latest
⑤ Required Information & Key Cautions
- Recipient full name (Latin script): Must match passport or ID exactly
- Bank name, branch, account number: Confirm in advance with the recipient
- SWIFT code: Look up on the recipient bank's official website
- Purpose of transfer: For large amounts, you may be asked to state the purpose
For the tax side of overseas remittances (living expense transfers, gift tax, mandatory reporting), see the overseas remittance and tax guide.
If you also send money to China, see the guide to remittance from Japan to China.
New to sending money abroad? See the Wise how-to guide (sign-up, verification, sending steps) for the full flow. For a comparison of all services across countries, see the international remittance comparison.
Are you losing money on transfer fees and exchange rates without realizing it? Wise (multi-currency transfers) has a clear fee structure and can sometimes send at near the real exchange rate.
* Fees, rates and supported banks change; check the official sites. Availability may depend on residence status/verification.