5 Ways to Send Money from Germany to Vietnam Safely and Quickly

How to send money from Germany to Vietnam Fast, safe and economical? This is the concern of many students. vocational training in Germany when you need to transfer money back home or make financial transactions. With the development of technology, you have many different options, from banking services to online money transfer platforms. Each method has its own advantages and disadvantages in terms of fees, speed and convenience. To find the best option for you, let's join SHD Academy Find out 5 popular ways to transfer money in the article below! 

>> Reference:

• SHOULD I STUDY AT A VOCATIONAL COLLEGE IN GERMANY?
• OPPORTUNITIES WHEN STUDYING AT VOCATIONAL COLLEGE IN GERMANY, YOU MAY NOT KNOW?
• What is life like in Germany? Daily life habits of Germans

1. Send money from Germany to Vietnam via bank

Send money from Germany to Vietnam Transferring money via bank is chosen by many international students because of its safety and high security. The normal transfer time ranges from 2 to 5 working days depending on the bank you use. The cost for each transfer from Germany to Vietnam is usually between 20 and 50 Euros (about 530,000 and 1,300,000 VND), the difference depends on the policy of each bank.

How to transfer money from Germany to Vietnam via bank

• Step 1: Prepare recipient information (account number, bank name, SWIFT/BIC code).
• Step 2: Go to a bank branch in Germany (Vietinbank, Deutsche Bank, Commerzbank, Sparkasse,...) to request an international money transfer.
• Step 3: Confirm the transaction, pay the fee and receive a receipt.

If you and the recipient both have Vietinbank accounts in Germany, transferring money via Internet Banking will be simple and fast. Currently, in addition to VietinBank, you can also refer to some other banks such as Vietcombank, BIDV and Techcombank, these banks all support money transfers from Germany to Vietnam.

Advantages and disadvantages of sending money from Germany to Vietnam via bank

Advantage:

• Safe and secure.
• Send money to any bank in Vietnam.
• Transaction information is provided fully and transparently.
• Transfer large amounts of money without restrictions.

Disadvantages:

• Money transfer fees are high, from 20 to 50 Euros (about 530,000 to 1,300,000 VND).
• Long transaction time, usually 2 to 5 days for successful transaction.
• The procedure is complicated, requires a lot of information and requires going directly to the bank.
• The conversion rate is lower than the market rate.

>> Reference:

• Find out information about health insurance in Germany for international students
• Is the income of Vietnamese people in Germany high?

2. Send money from Germany to Vietnam via Paypal e-wallet

PayPal is an online payment and international money transfer platform that helps users make transactions over the Internet quickly and securely. Send money from Germany to Vietnam via PayPal is a popular option these days, especially when you need to make online transactions. The platform allows users to transfer money between Paypal accounts globally with ease. The transfer time usually takes only a few minutes to a few hours. 

Note: You should carefully check the conversion rate and fees before making a transaction.

How to transfer money from Germany to Vietnam via Paypal

To make a transaction, both the sender abroad and the recipient in Vietnam need to have a PayPal account linked to a bank account.

• Step 1: Go to the PayPal website or app and log in with your information.
• Step 2: At the main interface, select "Send Money" to start the transaction.
• Step 3: Enter the email address associated with the recipient's PayPal account.
• Step 4: You fill in the amount you want to deposit and select the appropriate currency.
• Step 5: PayPal will display the service fee and conversion rate. You will need to review the information and confirm the transaction.

Advantages and disadvantages of sending money from Germany to Vietnam via Paypal

Advantage

• Fast speed, takes only a few minutes to a few hours to complete the transaction.
• Safe with effective financial information protection measures.
• Conveniently transfer money from your computer or phone without having to go directly to the bank.
• Reasonable cost, ranging from 2.99 to 4.99 Euro (about 80,000 - 130,000 VND)

Disadvantages

• PayPal accounts are required for both sender and recipient to make transactions.
• The recipient can only withdraw funds to a bank account linked to a Visa or MasterCard.

>> Reference:

• Things to know about blocked accounts for vocational study in Germany
• How much is the cost of living in Germany for international students?

3. Send money from Germany to Vietnam via post office

A way send money from Germany to Vietnam Another simple way you can refer to is sending it through the post office. You can transfer money through Deutsche Post or services such as Western Union, MoneyGram at the post office. The time to receive money ranges from a few hours to a few days, depending on the service you choose.

How to transfer money from Germany to Vietnam via post office

• Step 1: Find your nearest post office in Germany or affiliated service points such as Western Union, MoneyGram.
• Step 2: Provide sender and recipient information and select a method of receiving money.
• Step 3: Complete the transaction and pay the transfer fee.
• Step 4: Get a receipt with a transaction code to track the transfer progress and send this code to the recipient to withdraw the money in Vietnam.
• Step 5: The recipient provides the transaction code and valid identification (passport or CCCD) to receive the money.

Advantages and disadvantages of sending money from Germany to Vietnam via post office

Advantage

• Easily done at post offices throughout Germany.
• Sending money through the post office is considered a safe and reliable method.

Disadvantages

•  The fees are higher than online forms.
• The time to receive money can take from a few hours to a few days, longer than online methods.
• The procedure is complicated, the recipient needs to go directly to the post office and provide valid identification to receive the money.

>> Reference:

• Summary of the highest paying occupations in Germany 2025
• TOP 9 prestigious, free vocational training schools in Germany 2025

4. Send money from Germany to Vietnam via Western Union

Western Union is one of the most popular international money transfer systems today and is present in many countries around the world. Thanks to that, you can easily transfer money from Germany to Vietnam quickly and conveniently. 

How to transfer money from Germany to Vietnam via Western Union

• Step 1: Go to a Western Union agent in Germany or make the transaction online.
• Step 2: Fill in the recipient's information (full name, country, phone number, etc.) and provide necessary documents such as documents verifying the relationship, purpose of money transfer, and origin of the money to ensure a valid transaction.
• Step 3: Pay the amount to deposit and the transaction fee. 
• Step 4: Get transaction control number (MTCN) and notify the recipient.
• Step 5: The recipient goes to a Western Union agent in Vietnam to receive money.

Advantages and disadvantages of sending money from Germany to Vietnam via Western Union

Advantage

• Fast speed, transactions are processed in just a few minutes.
• No bank account required.
• Widespread system, easy to find transaction points.

Disadvantages

• Western Union service fees are usually quite high, ranging from 5 – 10% of the amount sent, depending on the amount and speed of transfer.
• In case the recipient loses the MTCN code, they will not be able to receive the money. 

>> Reference:

• Total cost of vocational study in Germany latest 2025
• Study and work in Germany: Summary of detailed information

5. Send money from Germany to Vietnam through friends and relatives

Send money from Germany to Vietnam Through friends or relatives is also a method chosen by many international students because of its simplicity and cost savings. 

How to transfer money from Germany to Vietnam through relatives

According to current regulations, you are allowed to carry less than 10,000 Euros when leaving the country without having to declare to customs. In case the amount is greater than or equal to 10,000 Euros, you need to carry out the declaration procedure to ensure legality and compliance with the law.

• Step 1: You can give cash directly to your relatives or friends when they arrive in Germany or when you return to Vietnam.
• Step 2: You can transfer money in Vietnamese Dong or foreign currency. Customs will convert the amount according to the current exchange rate.

Advantages and disadvantages of sending money from Germany to Vietnam through relatives

Advantage

• No service fees like other international money transfer channels.
• No need for complicated procedures, just pay directly.
• Money can be transferred in many currencies depending on your needs.

Disadvantages

• Carrying cash can pose a risk of loss or theft.
• It is up to the remitter to ensure the correct amount is delivered.
• The carry-on allowance may not be sufficient to meet large remittance needs.

>> Reference:

• HOW MUCH IS INCOME TAX IN GERMANY?
• Studying in Germany after graduating from university and what you need to know

Some notes when sending money from Germany to Vietnam

Send money from Germany to Vietnam is a common need of many international students when studying vocational training in Germany. For this process to go smoothly, you need to note the following points:

• Before making a transaction, please prepare the necessary documents such as ID card, passport, citizen identification card and other relevant documents. This helps save time and ensures the legality of the transaction.
• You can send money through a bank, an international money transfer service, or have a relative bring it home. Each method has its own advantages and disadvantages. For example, sending money online saves time, but you need to be careful about the security of each application.
• Exchange rates and fees vary over time and with service providers, so it's important to compare your options to find the best option for you.
• If you choose to bring cash into Vietnam, you need to comply with customs regulations on the amount of money you are allowed to bring. Amounts greater than or equal to 10,000 Euros must be declared.
• When sending money online, you should make sure to use reputable channels and not share personal information with third parties.
• Once completed, please keep your receipt and track the transaction status to promptly handle any problems that arise.

>> Reference: 

• Summary of German vocational scholarships 2025
• TOP 10 most prestigious German vocational study centers today

Job send money from Germany to Vietnam It will be easier if you are well prepared and choose the right method. Before making a transaction, you need to consider factors such as cost, transfer time and security to ensure the money transfer process goes smoothly. SHD Academy Hope this article has provided you with useful information, helping you find the money transfer solution that best suits your needs.