ATMs In Vietnam: Tips For Atms, Credit Cards, And Cash In Vietnam

How to get cash in Vietnam?

• Using Your Home Currency and Exchanging it in Vietnam: You can bring your home currency and exchange it at currency exchange locations in Vietnam. Some reference points for currency exchange locations in Vietnam may be useful for you. 
• Withdrawing Cash from ATMs in Vietnam: ATMs are widely available throughout the country, providing convenient access to VND. This method often offers potentially lower fees and readily available local currency.

• Convenience: ATMs are widely available in both urban and even rural areas in Vietnam. This makes it convenient for travelers to access cash when needed without relying solely on Vietnam banking or currency exchange services.
• Beneficial: Using an ATM in Vietnam can help you avoid unfavorable exchange rates that may be offered at currency exchange offices.
• Accessibility: Many ATMs in Vietnam accept international cards, such as Visa or MasterCard.
• Lower Fees: ATM withdrawals often have lower fees compared to currency exchange services or withdrawing money directly from a bank teller.

• ATMs are not replenished during Tet (Vietnamese New Year). It is conceivable that ATMs may run out of cash during this period.
• Choose ATMs from foreign banks with a higher maximum withdrawal amount to minimize the total costs that you have to pay and avoid having to go to the ATM too often to withdraw cash in Vietnam.
• Withdraw a substantial amount in each transaction to reduce withdrawal fees.
• Count the money before departing from the ATMs.
• Consult the Vietcombank website (search for Vietcombank exchange rate on Google) to ensure a favorable exchange rate and avoid unfavorable rates at the ATMs.
• If your card is swallowed when withdrawing money at an ATM, contact the bank hotline or the phone number provided on the ATM. Make sure to retain the receipt and capture a photo of the ATM number in case of any issues.

• The standard transaction fee is 3%. Amex payments typically incur an additional 4% fee.
• Higher-end establishments generally don't add extra charges, while the surcharge varies in smaller businesses (often higher) and upscale providers (more moderate).

• Notify your bank about your trip to Vietnam to avoid card suspension due to unusual activity. Keep your card provider's contact number handy for any issues.
• If your card is lost, contact your bank immediately to block it.
• Use PINs or passwords on your mobile devices to prevent theft.
• Keep your card in sight during transactions.
• Be cautious about online payments on unfamiliar platforms.
• Verify any additional fees before using your credit card in Vietnam.

• Pros: No transaction fees, widely accepted in local establishments, and avoids potential payment issues.
• Cons: Risk of carrying significant amounts, potential for currency exchange fees depending on your home country.

• Pros: Convenient, and secure, some cards offer travel rewards, widely accepted in tourist areas and larger establishments.
• Cons: Potential transaction fees, may not be accepted everywhere, some businesses surcharge credit card payments.

• Pros: readily access local currency, often offer more competitive exchange rates than exchange bureaus.
• Cons: Potential ATM fees, and risk of card skimming or malfunction, may not be readily available in remote areas.

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