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    ATM Fee Guide
    🇻🇳

    ATM Fees in Vietnam

    Vietnamese Dong (VND) • Updated April 2026

    Vietnam is affordable with growing card acceptance in cities. Cash still king in local areas. Amazing food, culture and landscapes. Very tourist-friendly.

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    Tips for Vietnam

    • • Large denominations (millions normal)
    • • Cards in tourist areas
    • • Cash for street food
    • • Bargain in markets
    • • Grab app works well
    ✈️

    Airport tips

    • • ATMs at all airports
    • • Avoid poor exchange rates
    • • Grab available at airports
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    Closed Currency Warning: Restricted / Non-Convertible

    Strictness: High (Practical)

    You must declare amounts over 15,000,000 VND upon exit. The currency is 'closed,' meaning banks outside Vietnam will generally not exchange it.

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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Vietnam, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    450,000-1,000,000 VND

    VND/day

    🏨 Accommodation200,000-400,000 VND
    🍜 Food & drinks100,000-200,000 VND
    🚌 Transport50,000-150,000 VND
    🎟️ Activities100,000-250,000 VND

    ≈ $17.09-37.98 USD

    Mid-range

    Hotels, restaurants, mix of transport

    1,600,000-3,700,000 VND

    VND/day

    🏨 Accommodation800,000-1,800,000 VND
    🍜 Food & drinks300,000-600,000 VND
    🚌 Transport200,000-500,000 VND
    🎟️ Activities300,000-800,000 VND

    ≈ $60.77-141 USD

    Luxury

    Premium hotels, fine dining, private transport

    5,400,000-14,500,000 VND

    VND/day

    🏨 Accommodation3,000,000-8,000,000 VND
    🍜 Food & drinks800,000-2,000,000 VND
    🚌 Transport600,000-1,500,000 VND
    🎟️ Activities1,000,000-3,000,000 VND

    ≈ $205-551 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Vietnam.

    Credit card acceptance

    Moderate

    Growing in cities. Cash for local places. Apple Pay/Google Pay is gaining acceptance at major chains (convenience stores, Starbucks, malls).

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    You'll need cash for

    • • Street food
    • • Markets
    • • Local transport
    • • Small shops
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    Cards usually accepted

    • • Hotels
    • • Restaurants in tourist areas
    • • Malls
    • • Cafes
    • • Major chains

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    TPBank0 VND0 USD200
    VPBank0 VND0 USD250
    Vietcombank0 VND0 USD500
    BIDV0 VND0 USD400
    Techcombank55,000 VND~2.20 USD300

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Vietcombank0 VND0 USD500
    BIDV0 VND0 USD400
    Techcombank55,000 VND~2.20 USD300
    VPBank0 VND0 USD250
    TPBank0 VND0 USD200

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