Send Money from Germany to Vietnam
Regularly updated EUR → VND rates from 17+ providers. Compare and save.
Why People Send Money Germany → Vietnam
Germany has one of the largest Vietnamese communities in Europe — numbering over 200,000 — originally from both North and South Vietnam. The community is strongly entrepreneurial, running restaurants and trading businesses, with strong ties to families and investments back home.
Pro Tip: VND Has Restrictions — Verify Delivery
The Vietnamese Dong (VND) is a restricted currency. Verify your chosen provider actually delivers VND to a Vietnamese bank account — some only offer USD delivery, which adds a conversion step for the recipient.
How to send money from Germany to Vietnam
- Verify VND delivery is available: Before comparing rates, filter providers that offer direct VND delivery to a Vietnamese bank account. Our table shows this clearly — some providers only offer USD delivery to Vietnam, which costs your recipient an extra conversion.
- Compare EUR→VND rates: VND is a restricted currency so rate spreads can be wider than for major currencies. Even small differences between providers can be worth thousands of Dong on larger transfers. Check the live table above.
- Register and verify identity: Sign up with your chosen provider using your German ID or passport. First-time transfers to Vietnam often include extra compliance checks — having your purpose of transfer ready speeds up approval.
- Enter Vietnamese bank details: You need the recipient's bank account number and bank name (Vietcombank, VietinBank, BIDV, Techcombank, etc.). Some providers also require the bank's SWIFT code, which your recipient can find on their bank's website.
- Confirm and track: After sending, share the transfer reference with your recipient. Most transfers to Vietnam are completed within 1–3 business days. First transfers may take slightly longer due to compliance review.
What to know
VND is a restricted currency
The Vietnamese Dong (VND) cannot be freely traded on international markets — Vietnam's State Bank tightly controls foreign exchange. This means fewer providers support direct VND delivery compared to currencies like INR or PHP. Always verify that your chosen provider credits the recipient's account in VND, not USD. Receiving USD in a Vietnamese bank account means the recipient's bank applies its own (often unfavorable) USD→VND conversion rate.
Vietnamese bank account formats
Vietnamese bank accounts vary in length by bank — typically 9–14 digits. There is no IBAN system in Vietnam. You need the account number and bank name. Major banks include Vietcombank (VCB), VietinBank (CTG), BIDV, Techcombank, and MB Bank. Some providers (like Wise) also require the bank's SWIFT code. Your recipient can find SWIFT codes on their bank's website or mobile app.
First transfer compliance checks
Vietnam is on several financial monitoring lists, which means first-time transfers from Germany can trigger additional compliance review — typically adding 24–48 hours to the transfer time. This is completely normal. Once your profile is established with a provider and you have sent to the same recipient before, subsequent transfers process much faster.
Wise and WorldRemit are the most reliable choices for Germany→Vietnam transfers with direct VND delivery. Wise offers the mid-market rate with a transparent fee and is generally the cheapest for amounts above €500. WorldRemit is competitive for smaller amounts and has good customer support if issues arise. WorldRemit also supports Vietnam with bank transfer delivery. Avoid providers that only offer USD delivery to Vietnam — the recipient's bank conversion from USD to VND typically costs 1–3% more than getting VND directly.
FAQs
How long does a transfer from Germany to Vietnam take?
Wise and WorldRemit typically deliver to Vietnamese bank accounts within 1–3 business days. Processing times can vary due to compliance checks on first transfers. Cash pickup options through Western Union are available in major Vietnamese cities within minutes.
Which provider is best for EUR to VND transfers?
Wise and WorldRemit are both popular for EUR→VND. Wise offers mid-market rates with transparent fees. Compare the recipient amount in VND in our live table above — this is the number that matters most.
Can I send money directly to a Vietnamese bank account?
Yes. Most providers support transfers to Vietnamese banks like Vietcombank, VietinBank, BIDV, and Techcombank. You'll need the recipient's account number and bank name. Some providers also accept the recipient's national ID number for additional verification.
Are there limits on how much I can send to Vietnam from Germany?
Providers typically allow up to €15,000–€30,000 per transaction for verified users. Vietnam has no tax on incoming personal remittances. German regulations require providers to report transfers above €10,000 to German authorities — this is handled automatically.
Why do some providers only offer USD delivery to Vietnam?
The Vietnamese Dong is a restricted currency that cannot be freely traded internationally. Some providers route transfers through USD as an intermediary currency, meaning your recipient receives USD in their bank account and must convert it to VND at their bank's rate. This is usually less favorable. Always choose a provider that offers direct VND delivery where possible.
Can I send money to Vietnam for a property purchase?
Yes, but property purchases in Vietnam by overseas Vietnamese (Viet Kieu) or foreigners involve specific legal requirements. Transfers for property should go through a provider comfortable with large amounts and clear purpose documentation. Wise handles large transfers well. Always consult with a Vietnamese property lawyer before transferring significant amounts for real estate.