Send Money Japan → Vietnam
Best Remittance Services for Vietnamese Workers in Japan 2026
Compare Panda Remit, Wise, Smiles — bank transfer, cash pickup, home delivery.
How much do you want to send?
Compare Services
Panda Remit
⭐ Recommended¥400 flat fee — fastest option, supports ACB, BIDV, VIB, Sacombank
Recipient gets ~
₫32,046,778
As fast as 2 minutes
Fee
¥400 flat fee
Rate
Competitive — verify vs Wise for large transfers
Speed
As fast as 2 minutes
⚠️ Check the exchange rate — not just the fee. Panda Remit warns: first-transfer rates may differ from regular rates. Always compare total cost (fee + rate) for your specific amount.
Wise
Cheapest total cost for large transfers — ~0.6% vs 5.1% for expensive options
Recipient gets ~
₫32,241,400
Minutes to 1 business day
Fee
~0.5-1% of amount
Rate
Mid-market rate (best available)
Speed
Minutes to 1 business day
Smiles (スマイルズ)
Popular in Vietnamese community — supports home delivery and cash pickup in Vietnam
Recipient gets ~
₫31,900,078
Same day to 1 business day
Fee
First transfer/month FREE; subsequent transfers small fee
Rate
Competitive — ¥1 = ~163 VND (June 2026)
Speed
Same day to 1 business day
Japanese Bank Wire Transfer
AVOID for regular remittances — up to 5.1% total cost
Recipient gets ~
₫30,670,080
1-3 business days
Fee
¥2,000-¥7,000 flat + poor exchange rate
Rate
Poor — up to 5.1% total vs 0.6% for cheapest option
Speed
1-3 business days
⚠️ Bank wires can cost up to 5.1% total — that is 8x more expensive than using Wise for the same transfer. Use apps instead.
Quick Comparison — Sending ¥200,000
| Service | VND Received | Speed | Home Delivery |
|---|---|---|---|
| Panda Remit | ₫32,046,778 | As fast as 2 minutes | — |
| Wise | ₫32,241,400 | Minutes to 1 business day | — |
| Smiles (スマイルズ) | ₫31,900,078 | Same day to 1 business day | ✅ |
| Japanese Bank Wire Transfer | ₫30,670,080 | 1-3 business days | — |
Estimates only. Actual amounts depend on current exchange rates. Reference rate used: ¥1 = ₫163.
FAQ — Sending Money Japan to Vietnam
Q: Is it legal to send money from Japan to Vietnam?
A: Yes — Panda Remit, Wise, and Smiles are all registered money transfer operators under Japan's Payment Services Act (資金決済法). Using regulated services is both legal and required for your protection. Never use informal or unregistered transfer agents, as these are illegal in Japan and leave you with no recourse if something goes wrong.
Q: What ID do I need to register?
A: All services require your Japanese Residence Card (在留カード). Most also require a Japanese bank account to send from. Wise additionally requires a photo ID selfie for identity verification. Setup typically takes 1-3 days. Register before you need to send money urgently.
Q: Can my family receive money without a Vietnamese bank account?
A: Yes — Smiles supports home delivery and cash pickup in Vietnam, which is useful for family members in rural areas or who do not have a bank account. Cash pickup locations are available through Smiles' partner network in Vietnam.
Q: What is MoMo and can I receive remittances there from Japan?
A: MoMo is Vietnam's dominant mobile wallet with over 31 million users. As of mid-2026, major Japan remittance apps do not yet support direct MoMo wallet deposits — Panda Remit, Wise, and Smiles all send to Vietnamese bank accounts (ACB, BIDV, VIB, Vietcombank, etc.) or via cash/home delivery. Your family can easily transfer from bank to MoMo once received.
Q: Is there a monthly limit on how much I can send home?
A: Japan's financial regulations require identity verification for transfers above ¥100,000 per transaction. Most apps allow up to ¥1,000,000+ per month once fully verified. Vietnam has no limit on receiving international remittances. Complete full KYC verification in your app before you need to send large amounts.
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Vietnamese workers often send bigger remittances before Tết (Lunar New Year, January/February). If you are planning your Tết transfer, check the rate 2-3 weeks early — high demand around that period can affect rates. For amounts under ¥100,000, Panda Remit's ¥400 flat fee usually wins. For amounts over ¥100,000, compare Wise's percentage fee — it may be cheaper overall.