You can send money directly to MoMo and ZaloPay e-wallets in Vietnam through licensed remittance services like EzyRemit, with fees from $5 AUD and delivery in minutes to hours. MoMo has over 40 million users and ZaloPay over 20 million, making e-wallet delivery the fastest way to send funds — especially during bank holidays.
📌 Key Takeaways
- Send money directly to MoMo and ZaloPay wallets in Vietnam — no bank account needed
- MoMo has 40+ million users in Vietnam; ZaloPay has 20+ million
- E-wallet transfers arrive in minutes to hours, even during bank holidays
- Fees from $5 AUD with exchange rates 0.5–1% from mid-market
MoMo vs ZaloPay: Overview — send money MoMo ZaloPay Vietnam
| Feature | MoMo | ZaloPay |
|---|---|---|
| Users | 40+ million | 20+ million |
| Parent company | M-Service (Vietnam) | VNG Corporation |
| Linked messaging | No | Zalo app |
| Tet features | Lì xì, games | Lì xì, group send |
| Merchant coverage | Very wide | Growing |
How to Send Money to MoMo and ZaloPay in Vietnam
To send money to MoMo and ZaloPay in Vietnam through EzyRemit:
- Register at EzyRemit — Visit ezyremit.com.
- Select delivery method — Choose “MoMo Wallet” or “ZaloPay.”
- Enter phone number — The recipient’s Vietnamese mobile number linked to MoMo/ZaloPay.
- Enter amount — See real-time VND conversion.
- Confirm and send — Pay from your bank account.
- Recipient gets notified — Money appears in their MoMo/ZaloPay wallet.
Benefits of Sending Money via MoMo ZaloPay to Vietnam
Specifically, choosing to send money to MoMo and ZaloPay in Vietnam offers these advantages:
- Faster than bank: Wallet credit is often faster than bank account transfer.
- No bank account needed: Recipients don’t need a bank account — just a phone.
- Instant spending: Recipients can use funds immediately at millions of merchants.
- Digital receipts: Both sender and recipient get transaction confirmations.
What Recipients Can Do with the Money for send money MoMo ZaloPay Vietnam
Furthermore, MoMo and ZaloPay users can use received funds for:
- Bill payments: Electricity, water, internet, and phone bills.
- Online shopping: Shopee, Lazada, Tiki purchases.
- Food delivery: GrabFood, ShopeeFood, Baemin orders.
- Transfer to bank: Move funds to their bank account if needed.
- Tet spending: Buy groceries, decorations, and gifts.
Who Should Use E-Wallet Delivery
Additionally, MoMo and ZaloPay delivery is best for:
- Sending to young relatives: Everyone under 30 uses MoMo daily.
- Small, frequent transfers: Lì xì, pocket money, and quick gifts.
- Elderly parents: ZaloPay links to Zalo — already widely used for messaging.
Security and Limits for E-Wallet Transfers
Importantly, when you send money to MoMo and ZaloPay in Vietnam, understanding wallet limits is essential. MoMo accounts have three tiers based on identity verification: unverified wallets hold up to 20 million VND, while fully verified accounts can hold up to 100 million VND. ZaloPay operates on a similar tiered system. For regular family support transfers, ensure your recipient has completed their wallet identity verification to avoid hitting balance limits.
In addition, both MoMo and ZaloPay use advanced security measures including biometric authentication, transaction PIN codes, and real-time fraud detection. When combined with EzyRemit’s own security protocols, your international transfer benefits from end-to-end protection at every step. The entire process from your Australian, New Zealand, American, or Canadian bank account to the recipient’s Vietnamese e-wallet is encrypted, monitored, and fully compliant with both Australian AUSTRAC regulations and Vietnamese State Bank requirements.
Furthermore, transaction receipts from both EzyRemit and the receiving wallet provide a complete audit trail, which is valuable for record-keeping and resolving any disputes that may arise.
Related EzyRemit Resources
- Why Choose EzyRemit — Compare rates, fees, and features
- Business Payment Solutions — For companies and SMEs
- Online Support — Get help with your transfer
Author: EzyRemit Team | About EzyRemit | Contact Us | AUSTRAC Licensed | Updated: 01/2026
Related: How to Send Money Overseas for the First Time: A Complete Beginner’s Guide
Related: Send Money UK to Vietnam
Related: Send Money Singapore to Vietnam
Frequently Asked Questions
Can I send money from overseas to MoMo in Vietnam?
Yes, licensed services like EzyRemit support direct transfers to MoMo wallets using the recipient’s registered phone number. No Vietnamese bank account is needed.
Which is more popular in Vietnam — MoMo or ZaloPay?
MoMo leads with 40+ million users and wider merchant acceptance. ZaloPay has 20+ million users and integrates with the Zalo messaging app. Both accept international transfers.
Are MoMo transfers faster than bank transfers?
Yes, MoMo and ZaloPay transfers arrive in minutes to hours, while bank transfers take 1–2 business days. E-wallet transfers also work during bank holidays when traditional banking is unavailable.