In today's interconnected world, it's not uncommon for families to be spread across different countries and continents. Whether you have loved ones studying abroad, working in a foreign land, or simply living overseas, you may find yourself in a situation where you need to send them money. While banks have traditionally been the go-to option for international money transfers, not everyone has a bank account. In 2022, The World Bank Group supports financial inclusion through various initiatives, such as the Universal Financial Access 2020, which aimed to provide transaction accounts for 1.2 billion unbanked adults worldwide. According to Statista’s data from 2017, the share of the unbanked population varied widely across countries, from zero percent in some developed countries, such as Canada and Germany, to over 70 percent in some developing countries, such as Nigeria and Pakistan.  



Digital financial services, facilitated by fintech, possess the potential to reduce costs, enhance speed, security, and transparency, and provide more appealing services. EzyRemit's innovative cash delivery and cash pickup service can emerge as the optimal choice for sending money without the need for a bank account. 


The Challenge of Sending Money Without a Bank Account 

For many, the idea of sending money without a bank account might seem daunting. However, it's important to recognize that not everyone has access to traditional banking services. Many individuals, especially in developing countries, rely on alternative financial services, and sometimes, even family members may not have a bank account. This is where EzyRemit steps in to provide a secure and convenient solution. 



EzyRemit: A New Way to Send Money Abroad 

EzyRemit is a trusted name in the world of international money transfers, known for its commitment to making the process as easy and accessible as possible. With EzyRemit, you can send money to family overseas without a bank account through their innovative cash delivery and cash pickup services. 

Cash Delivery Service 

EzyRemit's cash delivery service is a lifeline for those who don't have access to a bank account. Here's how it works: 

Initiating the Transfer: You can initiate the transfer on the EzyRemit website or app, providing the necessary information such as the recipient's name, contact details, and the amount to be sent. 

Selecting Cash Delivery: When you reach the payout options, choose the cash delivery option. EzyRemit allows you to select from various delivery methods, depending on the recipient's location. 

Confirmation and Tracking: After confirming the details and paying for the transfer, you'll receive a tracking number. The recipient will be contacted to arrange a convenient time and location for the cash delivery. 

Secure Delivery: EzyRemit works with a network of trusted partners to ensure secure and timely delivery of cash to your family members. The recipient can collect the money without the need for a bank account, providing a hassle-free experience. 

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Cash Pickup Service 

If your family member prefers to collect the money in person, EzyRemit's cash pickup service is the perfect solution: 

  • Transfer Initiation: Start the transfer process on the EzyRemit platform, providing recipient details and the amount to be sent. 
  • Selecting Cash Pickup: Choose the cash pickup option when selecting the payout method. EzyRemit has a vast network of partner locations, making it convenient for the recipient to collect the cash. 
  • Confirmation and Tracking: After confirming the transaction and making the payment, you'll receive a tracking number for the transfer. Share this with your family members so they can collect the cash at their chosen pickup point. 
  • Convenient and Reliable: EzyRemit's extensive network ensures that your family members can access the money quickly and conveniently. This service is precious when your loved ones are in need of urgent financial support. 


Trust EzyRemit for Safe and Convenient Money Transfers 

EzyRemit's cash delivery and cash pickup services are the ideal solutions for sending money to families overseas without a bank account. These services offer a secure, reliable, and user-friendly way to support your loved ones, no matter where they are in the world. 

So, whether it's helping your child with their education, supporting family members in a time of need, or simply sending a gift for a special occasion, EzyRemit's services make it easier than ever to connect with your family and provide financial assistance when they need it most. With EzyRemit, the world truly becomes a smaller and more accessible place for your family and friends abroad. 

Vietnam, with its stunning landscapes, vibrant culture, and booming economy, has become an attractive destination for expatriates and foreigners seeking new opportunities and adventures. Whether you're an expat working in Vietnam, a retiree enjoying its serene beauty, or a foreign investor exploring business prospects, managing your finances efficiently is crucial.  

In this article, we'll explore the best banks in Vietnam for expats and foreigners, helping you establish a better understanding of the options available to you and assist in making an informed decision about which bank best suits your needs. 


Numbers of Expats and Foreigners Living and Working in Vietnam 

According to the Ministry of Labour, Invalids, and Social Affairs of Vietnam, there were roughly 99,876 licensed expats in 2021, and 35,454 licensed expats in 2022 working and living in Vietnam.  

The expats in Vietnam mostly reside in the major cities of the country such as Ho Chi Minh City, Hanoi, Da Nang, Nha Trang, etc. The majority of expats come from China, Korea, Japan, Taiwan, and other Asian countries, but there are also many Westerners, Africans, and Indians who choose Vietnam as their second home.  


What to  Consider When Choosing Bank in Vietnam? 

Choosing the right bank in Vietnam, especially as an expat or foreigner, requires careful consideration of various factors. Here are the key criteria you should keep in mind when making your decision: 

  • Accessibility and Branch Network: 

Consider the bank's presence and the availability of branches and ATMs in the locations you frequent. This is crucial for easy access to your accounts and conducting in-person transactions. 

  • Language Support: 

Look for a bank that offers services in English or your preferred language. This is essential for understanding account terms, and transaction details, and communicating effectively with bank staff. 

Regarding customer service, assess the quality of customer service, including responsiveness, availability of English-speaking staff, and the overall reputation of the bank for addressing customer inquiries and issues. 

  • Account Types: 

Evaluate the types of accounts the bank offers. You may want to choose a bank that provides multi-currency accounts, both in Vietnamese Dong (VND) and foreign currencies, to accommodate your international financial needs. 

  • Online Banking and Mobile Apps: 

Check the bank's online banking capabilities and the quality of their mobile banking app. A user-friendly digital platform can simplify day-to-day banking tasks and offer greater convenience. 

  • Fees and Charges:  

Review the bank's fee structure, including account maintenance fees, ATM withdrawal fees, and international transaction charges. Ensure you understand the cost associated with various services. 

  • Currency Exchange Rates and Service: 

Compare the exchange rates offered by different banks for currency conversion, especially if you frequently deal with foreign currencies. 

Meanwhile, if you frequently deal with foreign currencies, consider whether the bank offers competitive currency exchange services and whether they provide favorable rates for currency conversion. 

  • International Banking Services: 

Evaluate the bank's ability to facilitate international transactions, wire transfers, and foreign investments. A bank with a strong international banking division can be beneficial if you have global financial ties. 

  • Security and Regulatory Compliance: 

Ensure that the bank adheres to international banking standards and is regulated by the State Bank of Vietnam. Security measures, such as two-factor authentication, are also important to protect your accounts. 

  • Account Opening Requirements: 

Understand the documentation and requirements for opening an account, as these can vary from bank to bank. Some banks may have specific requirements for expatriates or foreigners. 

EzyRemit offers money transfer services to bank accounts in Vietnam with low fees and good exchange rates. Check out the rate on EzyRemit’s website. 


Best Banks for Expats and Foreigners in Vietnam 

Vietcombank (Vietnam Joint Stock Commercial Bank for Industry and Trade) 

Vietcombank is one of the most reputable banks in Vietnam, offering a wide range of services tailored to expats and foreigners. It provides multi-currency accounts, making it convenient for those who deal with various currencies. Their online banking system is user-friendly and available in English, ensuring easy access to your accounts and transactions. 

Additionally, Vietcombank has an extensive network of branches and ATMs across the country, making it convenient for expats to manage their finances wherever they are in Vietnam. 




HSBC Vietnam 

HSBC is a globally recognized bank with a strong presence in Vietnam, providing expats and foreigners with international banking services. With a strong international presence, HSBC is a trusted choice for those with international financial ties. 

What sets HSBC apart is its comprehensive wealth management services designed specifically for expatriates. This includes investment advisory and financial planning services tailored to individual financial goals. 




Standard Chartered Bank 

Standard Chartered Bank is another trusted choice for expats and foreigners in Vietnam. They offer various banking solutions, including foreign currency accounts, international transfers, and investment options. Standard Chartered is known for its commitment to customer service, and it often has dedicated relationship managers to assist expat clients with their financial needs. 




Techcombank (Vietnam Technological and Commercial Joint-Stock Bank) 

Techcombank is gaining popularity among expats for its modern banking services. They provide user-friendly online banking platforms, English-language support, and multi-currency accounts. Techcombank also has a robust mobile banking app, making it convenient for expats to manage their finances on the go. 




Sacombank (Saigon Thuong Tin Commercial Joint Stock Bank)

Sacombank is an increasingly popular choice among expats and foreigners looking for banking services in Vietnam. With its comprehensive range of financial products and services, Sacombank has made a significant impact on the country's banking landscape. 

One of Sacombank's notable strengths lies in its commitment to serving the needs of expatriates and foreigners. The bank offers various account options, including both Vietnamese Dong (VND) and foreign currency accounts, ensuring that customers can easily manage their finances, no matter their currency preferences. Additionally, Sacombank provides international banking services, making it convenient for individuals with global financial connections. 





When it comes to managing your finances as an expat or foreigner in Vietnam, choosing the right bank is a critical decision. The banks mentioned above are known for their expat-friendly services, including multi-currency accounts, English-language support, and a robust branch and ATM network. However, it's essential to conduct thorough research and consider your specific financial needs and preferences before making a final choice. 

Remember that banking regulations and services may change over time, so it's advisable to consult with the chosen bank directly for the most up-to-date information and personalized advice. By selecting the best bank for your needs, you can enjoy a worry-free and financially secure experience while living or investing in the beautiful country of Vietnam. 

Remittances are the money transfers that migrants send to their families and friends in their home countries. Remittances are a vital source of income for many developing countries, as they help to reduce poverty, improve living standards, and support economic growth.  

Some countries saw a significant increase in remittances, such as India (19.6 percent), Mexico (11.5 percent) and Guatemala (15.4 percent). This could be due to the recovery of the economies and labor markets in the countries where the migrants work, such as the United States, Saudi Arabia, and the United Arab Emirates. 

In this blog post, we will look at the top 10 most received remittance countries in 2022, based on the Statista data.  


  1. Nigeria 

Nigeria is the most populous country in Africa and the seventh most populous country in the world. It has a large diaspora population, as many Nigerians choose to travel and live abroad for work, education, or other reasons. Nigeria is also the largest economy in Africa, with a GDP of $398 billion in 2020. 
In 2022, Nigeria is expected to receive $14.2 billion in remittances, according to Statista. This is a slight decrease from $14.6 billion in 2021, but still a significant amount that accounts for about 3.6% of the country's GDP. The main sources of remittances to Nigeria are the United States, the United Kingdom, Canada, and other African countries. 

Remittances play an important role in Nigeria's economy, as they help support household consumption, education, health, and investment. EzyRemit helps you to send money to Nigeria in such a simple way. 



  1. Germany

Germany is the most populous country in the European Union and the fourth largest economy in the world, with a GDP of $3.89 trillion in 2020. It is also a leading importer and exporter of goods and services, with a strong industrial and technological base. 

Germany is expected to receive $17.4 billion in remittances in 2022, according to Statista. This is equivalent to about 0.4% of the country's GDP. The main sources of remittances to Germany are Switzerland, Luxembourg, and the United States. 

Remittances are mainly used by migrants and their families for personal purposes, such as consumption, savings, or investment. Remittances also contribute to Germany's social welfare system, as they help reduce poverty and inequality among migrant households. From Australia to Germany, the transaction would be so simple to be completed by EzyRemit 


  1. Bangladesh

Bangladesh is a densely populated country in South Asia, with a population of about 165 million people. It has a vibrant agrarian culture, as more than half of its population engages in agriculture. It is also one of the world's leading exporters of garments and textiles.
Bangladesh is expected to receive $36 billion in remittances in 2022, according to Statista. This is an increase of 11% from $32.4 billion in 2021, and represents about 6.7% of the country's GDP. The main sources of remittances to Bangladesh are Saudi Arabia, the United Arab Emirates, India, and Malaysia. 
Remittances are a crucial source of income for many Bangladeshi households, as they help improve their living standards, education, health, and resilience. Remittances also support Bangladesh's balance of payments, foreign exchange reserves, and fiscal revenue. 

Nothing is better than to be able to support the family in Bangladesh with US dollars. It’s even easier to send online through EzyRemit. 

  1. France

France is one of the most visited countries in the world, known for its rich culture, cuisine, and history. It is also one of the founding members of the European Union and a major economic and political power globally. It has a GDP of $2.71 trillion in 2020. France is expected to receive $21 billion in remittances in 2022.

It’s easy, convenient, and fast to send your remittance to France via EzyRemit  

  1. Egypt - An Important Source of Foreign Currency

Egypt features on the list due to its sizable workforce abroad, primarily in the Gulf countries and Europe. Egypt has a large and growing migrant population of over 6 million people, mainly in the GCC countries, Europe, North America, and Africa. The remittances to Egypt are driven by the political and economic reforms undertaken by the country since 2016, which have improved its macroeconomic stability, fiscal discipline, and investment climate. Remittances to Egypt also benefit from the depreciation of the Egyptian pound against the US dollar, which increases the value of the transfers. 


  1. Pakistan

In 2022, Pakistan received an estimated $26 billion in remittances, which accounted for 9.4 percent of its gross domestic product (GDP). This was an increase of 8.6 percent from 2021 when Pakistan received $24 billion in remittances. 

Remittances play a vital role in Pakistan's economy and society. They help reduce poverty, improve living standards, and finance consumption and investment. They also support the balance of payments and the foreign exchange reserves of the country. You can send to Pakistan through three different payout methods with EzyRemit, including cash pickup and cash delivery. 


  1. Philippines - Sustaining Economic Growth

The Philippines stands 4th on the list, receiving approximately USD 35 billion in remittances, accounting for about 6% of the global total. The Philippines has a large and diverse migrant workforce of over 10 million people, mainly in the GCC countries, East Asia, North America, and Europe. Overseas Filipino workers, often hailed as modern-day heroes, play a pivotal role in supporting their families and contributing to the nation's prosperity. 

The Philippines holds a prominent position in the remittance landscape. Overseas Filipino workers (OFWs) contribute significantly to the country's economy by sending money back to their families. These remittances support consumption, education, and investments, driving economic growth and stability. Remittances to the Philippines also benefit from the strong support and protection provided by the government to its overseas workers, such as through bilateral agreements, consular services, and welfare programs. 

EzyRemit supports OFWs with the most secure and competitive rate in the Philippines.  


  1. China - A Magnet for Overseas Funds

As the world's most populous nation, China holds the third position in remittance inflows. The country has a vast number of migrants primarily working in other Asian nations and North America. The remittances play a vital role in supporting families, particularly in rural areas, and fueling domestic consumption. 

China has a large and diverse migrant population of over 10 million people, mainly in Hong Kong, Macao, Taiwan, Southeast Asia, North America, and Europe. The remittances to China are driven by the rapid economic development and urbanization of the country, which create opportunities for migrants to invest in real estate, education, health care, and business ventures. Remittances to China also benefit from the stable political and social environment of the country, which ensures the safety and security of the funds. 

No need to worry much about the strict regulations of sending remittances to China, since you have EzyRemit now. Send you love to this magnificent land with hassle-free:  


  1. Mexico - A Lifeline for Families

With an impressive USD 61.1 billion in remittances, Mexico secured the 2nd position. As the largest remittance-receiving country in Latin America, Mexico benefits from its proximity to the United States, where millions of Mexican immigrants reside. Remittances serve as a financial lifeline for many families, improving their standard of living and supporting local businesses. 

The remittances to Mexico are driven by the strong economic and trade integration between the two countries, as well as by the historical and cultural ties between the migrants and their families. Remittances to Mexico also benefit from the low-cost and efficient money transfer services available in both countries, which reduce the transaction fees and increase the speed of delivery. 

Send money to Mexico with good rates through EzyRemit 



  1. India - A Leading Recipient of Remittances 

India stands at the top of the list as the world's largest remittance-receiving country. According to the World Bank, India received $87 billion in remittances in 2022, an increase of 19.6 percent from 2021. This amount accounted for 2.9 percent of India's gross domestic product (GDP) in 2022. 

The main sources of remittances to India are the Gulf Cooperation Council (GCC) countries, the United States, and the United Kingdom. These countries host millions of Indian migrants who work in various sectors such as construction, services, IT, and health care. 

Send money to India with good rates through EzyRemit 



Remittances are expected to continue growing in the future, as more people migrate for work, education or other reasons. They can have positive effects on poverty reduction, human development and social inclusion. However, they can also have negative effects on inequality, dependency and brain drain. Therefore, it is important to have policies and regulations that facilitate safe, affordable and productive remittance flows for both senders and receivers. 




In an increasingly interconnected world, the need for international money transfers has become more prevalent than ever. For Australians sending money to loved ones or conducting business transactions in the Philippines, the convenience and efficiency of online money transfers have become indispensable.  

According to the World Bank, in 2020, Australia ranked as one of the top countries in terms of remittance outflows to the Philippines, with an estimated $1.3 billion sent. However, with convenience comes responsibility, as online financial transactions can be susceptible to scams and fraud. In this article, we will explore the various payment methods and gateways available for sending money online from Australia to the Philippines and discuss essential strategies to safeguard against scams and fraud. 


Payment Methods and Gateways 

In the landscape of payment methods and gateways for international money transfers from Australia to the Philippines, it's crucial to consider the local favorites. Popular gateways like Poli and PayID have gained significant traction among Australian users due to their convenience and reliability.  

Poli, for instance, enables users to make real-time payments directly from their bank accounts, simplifying the transfer process. PayID, on the other hand, allows for easy transactions by using a registered mobile number or email address as a payment identifier. These gateways have become trusted choices for many Australians looking for efficient and secure ways to send money abroad. 


 PayID - Receive payments fast with PayID


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When it comes to selecting a service that combines the convenience of these popular gateways with a comprehensive array of payment options, EzyRemit emerges as a top choice. EzyRemit caters to users who prioritize both convenience and security by offering a diverse range of payment methods, including Poli and PayID, alongside traditional bank transfers and mobile wallet options. This versatility ensures that users can select the payment method that best suits their needs while benefiting from the convenience of a single platform. 

Bank Transfers 

One of the most secure methods for sending money from Australia to the Philippines is through bank transfers. Major Australian banks offer international wire transfer services. While this method may be slower and involve higher fees, it is reliable and traceable. 

Online Money Transfer Services 

When it comes to payment methods and gateways for sending money online from Australia to the Philippines, online money transfer companies like EzyRemit offer a user-friendly and efficient platform. These services typically provide competitive exchange rates and lower fees compared to traditional banks, making them a preferred choice for many users. With EzyRemit you can enjoy the convenience of a reliable online money transfer service that caters to your international financial needs, ensuring a secure and hassle-free experience. 

Cryptocurrency Transfers 

For those seeking alternative methods, cryptocurrency transfers offer speed and, in some cases, lower fees. Bitcoin and Ethereum are commonly used for international transfers, but users must be aware of the volatile nature of cryptocurrencies. 

Cash Pickup Services 

Cash delivery is a convenient method for sending money from Australia to the Philippines, especially for recipients who prefer physical cash. With this option, the sender can initiate the transfer online, and the recipient can collect the funds in local currency at a designated cash pickup location in the Philippines. While this method can be a bit more expensive due to fees associated with cash handling and exchange rates, it offers ease of access and the assurance of having cash in hand quickly, making it a viable choice for those who prioritize physical currency. 

 Learn more about cash delivery in this article



Preventing Scams and Fraud 

Choose Reputable Service Providers 

Stick to well-established and reputable online money transfer services or banks. Research the service provider thoroughly, read reviews, and ensure they are regulated by relevant authorities. 

When selecting a trustworthy service provider for online money transfers from Australia to the Philippines, look for AUSTRAC and ASIC registration, which ensures compliance with legal regulations. EzyRemit, a highly trusted service with millions of users worldwide, possesses both of these documents, making it a secure choice for your financial transactions. 


 Australian Securities and Investments Commission (ASIC) là gì?


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Verify the Recipient 

Always double-check the recipient's details, such as their full name and contact information, before initiating the transfer. Fraudsters often use fake identities. 

Use Secure Internet Connections 

When initiating an online transfer, ensure you are using a secure and encrypted internet connection to prevent interception of your In the realm of online money transfers, safeguarding your financial information from phishing attempts is paramount.  

To ensure a safe web address, always double-check the URL's authenticity before entering sensitive information. Look for "https://" at the beginning of the web address, which indicates a secure, encrypted connection.  

A good example of a safe website:  

Beware of Phishing 

Be cautious of unsolicited emails or messages requesting your financial details. Scammers often use phishing techniques to trick you into providing sensitive information. 

Detecting phishing emails is crucial for online security. Here's how to check for phishing: 

  • Check the Sender's Email Address: Verify the sender's email address closely. Scammers often use slightly altered or fake addresses that resemble legitimate ones. 
  • Examine the Message Content: Be wary of urgent or threatening language, spelling errors, and generic greetings. Phishing emails often lack personalization. 
  • Hover Over Links: Hover your mouse cursor over any links in the email to preview the actual URL. Ensure it matches the legitimate website address. 
  • Beware of Attachments: Avoid opening attachments from unknown or unexpected sources. They may contain malware. 
  • Check for Urgent Requests: Be cautious of emails requesting personal or financial information urgently. Legitimate organizations typically don't ask for sensitive data via email. 
  • Verify with the Sender: If you're unsure, contact the supposed sender through a separate, trusted channel (not the email) to confirm the message's authenticity. 
  • Use Email Security Tools: Utilize email security software or browser extensions that can identify and flag phishing attempts. 



Keep Transaction Records 

Maintain a record of all your online money transfers, including transaction IDs, dates, and recipient information. This documentation can be valuable if you encounter any issues. 

Maintaining detailed transaction records is essential to safeguard your online money transfers. It provides a clear financial trail, crucial in case of disputes or issues. Unregistered remittance dealers pose risks, as they lack oversight and transparency, making it challenging to recover funds if problems arise. By keeping meticulous records and using registered, reputable service providers, you can minimize these risks and ensure secure transactions between Australia and the Philippines. 



Educate Yourself 

Stay informed about common scams and fraud schemes targeting money transfers. Awareness is your first line of defense. Meanwhile, you can read through AUSTRAC’s guide on how to detect some specific actions of scamming and the right way to send money  



Sending money online from Australia to the Philippines has never been easier, thanks to a variety of payment methods and gateways. However, convenience comes with risks, making it crucial to prioritize security and fraud prevention.  

Detecting and avoiding phishing attempts, maintaining thorough transaction records, and using reputable service providers like EzyRemit are essential steps to ensure the safety and security of your financial transactions. EzyRemit's trusted services offer a secure and convenient platform for sending money internationally, providing peace of mind for millions of users worldwide. Your financial well-being is of utmost importance, and by following these precautions and choosing reliable service providers, you can send money with confidence. 


If you are looking for some inspiration for your next travel destination, you might want to check out the top 10 happiest countries in the world. According to the World Happiness Report 2023, these are the countries that scored the highest on various indicators of well-being, such as life satisfaction, social support, freedom, generosity, and trust. The report is produced by the Sustainable Development Solutions Network, a global initiative of the United Nations. 

In this article, we will explore what makes these countries so happy and what you can learn from them. 

  1. Australia

Australia is known for its laid-back lifestyle, beautiful beaches, and diverse wildlife. The country ranks high on health, education, and income, as well as environmental quality and civic engagement. Australians enjoy a strong sense of community and a culture of volunteering. They also have a lot of opportunities to enjoy nature and outdoor activities, which can boost their mood and mental health. 

Australia is a country that is known for its unique and diverse wildlife. Among the many animals that inhabit the continent, two of the most iconic and recognizable are the koala and the kangaroo. These two marsupials have become symbols of Australia, representing its culture, identity, and heritage. 

 Send money to Australia with high secure and speedy process:  

Source: Sydney, Opera House during daytime photo – Free Sydney Image on Unsplash 


Koala in Australia - happiest countries

Source: Koala bear clinging on tree branch photo – Free Australia Image on Unsplash 


Want to know more about why animals in Australia can kill you?  

  1. Sweden

Sweden is a Nordic country that combines a high standard of living with a strong social safety net. The country offers free health care and education, as well as generous parental leave and childcare policies. Swedes value equality, democracy, and human rights, and have a high level of trust in their institutions and each other. They also have a rich cultural heritage and a vibrant creative scene. 

There are many things you can do in Sweden, depending on your interests and preferences. Here are some suggestions: 

- If you love nature and outdoor activities, you can hike, bike, paddle, ski, or camp in Sweden’s beautiful landscapes. You can also explore the Stockholm archipelago, which has thousands of islands and skerries to discover. 



- If you are interested in culture and history, you can visit some of Sweden’s many museums, castles, churches, and historic sites.   

Learn more about Vasa Museum: 




- If you enjoy food and drink, you can taste some of Sweden’s culinary delights, such as meatballs, herring, crayfish, lingonberries, and cinnamon buns. You can also try some of the local beverages, such as coffee, glögg (mulled wine), and snaps (a strong spirit flavored with herbs and spices). You can also join a fika, a social ritual that involves having coffee and cake with friends or colleagues.  

- If you are looking for fun and entertainment, you can visit some of Sweden’s amusement parks, such as Liseberg in Gothenburg or Gröna Lund in Stockholm. 

  1. New Zealand

New Zealand is an island nation that boasts stunning natural scenery, from mountains and glaciers to forests and beaches. The country has a low population density and a high level of environmental protection, which contributes to its clean air and water. New Zealanders are friendly, welcoming, and resilient, as shown by their response to the COVID-19 pandemic and the Christchurch Mosque shootings. They also have a strong sense of identity and pride in their Maori culture and heritage. 

It's so much easier to send love to New Zealand with good rate and low fee:  

  1. Canada

Canada is a multicultural country that embraces diversity and inclusion. The country has a high level of immigration and a policy of bilingualism, which fosters tolerance and respect among its people. Canada also has a robust economy and a stable political system, as well as a universal health care system and a progressive social welfare system. Canadians are polite, friendly, and optimistic, and have a great sense of humor. 




Canada is one of the top choices for both immigration and studying overseas. According to the National Statistics Office of Canada, in 2021, there were 621,565 international students holding study permits for different study levels in Canada. EzyRemit offers an exclusive offer for Vietnamese students in Canada – 0 fee for education payment! Meanwhile, they can also pay all-in-one through EzyRemit: tuition fee insurance, rent fee, living expenses, etc. 


Grab our one-of-a-kind deal now:  


  1. Finland

''Bordered by Sweden, Russia, and Norway, Finland is an exciting destination for a very specific reason—lakes. The nation has an astounding number of lakes, and the official number stands close to 168,000, which is why it is known as “A Land of Thousand Lakes.” It has at least 55,000 lakes that are 200 m wide.'' The Times of India (2017). 

Finland is the happiest country in the world for the sixth year in a row, according to the World Happiness Report 2023. The country has a high quality of life, a low level of corruption, and a strong sense of community. Finns enjoy free education and health care, as well as generous social benefits and pensions. They also have a culture of sisu, which means perseverance and courage in the face of adversity. 






  1. Denmark

Denmark is another Nordic country that excels in happiness and well-being. The country has a high level of income equality, social trust, and personal freedom, as well as low levels of crime and violence. Danes benefit from a flexible work-life balance, a comprehensive welfare system, and a high-quality education system. They also have a cozy concept of hygge, which means creating a warm and comfortable atmosphere with loved ones. 


  1. Switzerland

Switzerland is a landlocked country that is famous for its scenic beauty, chocolate, cheese, and watches. The country has a prosperous economy, a direct democracy, and a high level of innovation and competitiveness. Swiss people enjoy a high life expectancy, a low unemployment rate, and a high level of education and skills. They also have a culture of neutrality, peace, and humanitarianism. 


  1. Norway

Norway is another Nordic country that ranks among the happiest in the world. The country has abundant natural resources, such as oil, gas, fish, and hydropower, which contribute to its wealth and stability. Norway also has a generous welfare state, a high level of gender equality, and a low level of social conflict. Norwegians value freedom, independence, and individualism, as well as nature, adventure, and outdoor activities. 






  1. Iceland

Iceland is an island nation that is known for its volcanic landscapes, geothermal pools, and northern lights. The country has a small population but a big heart. Icelanders are warm, friendly, and supportive of each other. They have a high level of trust in their government and institutions, as well as in their neighbors and strangers. They also have a strong sense of community, culture, and identity. 


  1. Netherlands

Netherlands is the happiest country in Europe, according to the World Happiness Report 2023. The country has a flat landscape, a mild climate, and a bike-friendly culture, which promote physical activity and environmental sustainability. 

The country also has a high level of income, education, and health, as well as a tolerant and progressive society. Dutch people are open-minded, pragmatic, and fun-loving, and have a positive

outlook on life. 




The report’s findings and recommendations are based on sound data and analysis, but they may not capture the full complexity and diversity of human happiness. Happiness is a subjective and multidimensional concept that can vary depending on the individual, the culture, and the context. Therefore, it is important to consider other sources of information and perspectives besides the report, such as personal experiences, local values, and alternative indicators. 

Moreover, happiness is not a fixed or static state, but a dynamic and evolving process that requires constant effort and adaptation. Happiness is not something that can be achieved once and for all, but something that can be cultivated and maintained through positive habits, attitudes, and actions. Happiness is not only dependent on external factors, but also on internal factors, such as self-awareness, gratitude, optimism, and resilience. 

In conclusion, the report’s findings and recommendations are good for reference to some extent, but you also acknowledge that they are not the only or definitive way to measure and promote happiness. It's critical to remember that everyone has their own definition and path to happiness, and that’s what makes life interesting and meaningful. 


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