Toby Keps

Travelled to 12 countries / regions

Written 42 briefs
Visited Ho Chi Minh City and Da Nang in 2020



Asia > Vietnam > Useful Info
Submitted on Feb 20, 2020 Useful Info

How to use ATMs in Vietnam to get cash as a traveler

  • ATMs are the easiest way to get cash in Vietnam, which you can do with your regular bank card from home (the PIN number and everything is the same as normal). In major cities like Ho Chi Minh City, Hanoi, Da Nang, etc., you can find these machines in pretty much every block in the central areas. ATMs are all owned and run by the banks, and in major cities banks will have lots of ATMs located both at and outside of their branches for wide access. In smaller towns though, ATMs will usually be at bank branches and you may have to go to the town centers to find them
  • ATMs are a pretty expensive way to get money in Vietnam. The cheapest is definitely to bring cash and exchange it at one of the gold shops in the country. But the convenience is hard to beat so it's still one of the best ways to get cash in Vietnam
  • Which bank cards can be used on Vietnamese ATMs?
  • Most ATMs in Vietnam are on the PLUS network, which is operated by Visa. The majority of bank cards issued in the US and Canada are compatible with PLUS. If your bank card has this logo on its back it's good to go:User submitted photo of Vietnam
  • If your card is not on PLUS, it's likely on Cirrus (this is the logo), which is the network operated by MasterCard. It's less common in Vietnam and the banks whose ATMs accept Cirrus cards include VietcomBank and CitiBank
  • (Even though PLUS and Cirrus are operated by Visa and MasterCard, they are networks for bank cards, not credit cards. So when you withdraw cash from these ATMs, use your regular bank card and not your credit card)
  • Withdrawal fees and limit:
  • ATMs in Vietnam charge a 22,000-99,000 VND ($1-$4.3USD) fee per withdrawal, meaning you pay this much every time you make a withdrawal regardless of the amount being withdrawn, so it makes sense to take out as much as you can.
  • However, all ATMs impose a maximum withdrawal limit, mostly ranging from 2,000,000-3,000,000 VND ($85-$130USD). The maximum limit is per withdrawal, meaning you can withdraw as many times as you want, but this is the limit that you can withdraw each time. Your own bank will usually impose some sort of daily withdraw limit as well, so when you hit that limit you won't be able to take any more cash for the remainder of that day
  • Which ATMs are the best to use in Vietnam depends on their fees, withdrawal limit,a and location. Here are some specific ATM fees and limits for major banks in Vietnam, ordered from least expensive to most expensive. These fees do change from time to time so please only use this as a rough guide:
  • TPBank: no fee and 3,000,000 VND maximum per withdrawal (0%)
  • Eximbank: no fee and 3,000,000 VND maximum per withdrawal (0%)
  • Agribank: 22,000 VND fee and 3,000,000 VND maximum per withdrawal (0.7%)
  • Citibank: 60,000 VND fee and 8,000,000 VND maximum per withdrawal. Free for Citibank customers (0.8%)
  • Sacombank: 30,000 VND fee and 3,000,000 VND maximum per withdrawal (1%)
  • MB Bank: 33,000 VND fee and 3,000,000 VND maximum per withdrawal (1.1%)
  • ACB: 55,000 VND fee and 3,000,000 VND maximum per withdrawal (1.8%)
  • HSBC: 160,000 VND fee and 8,000,000 VND maximum per withdrawal (2%)
  • VietcomBank: 50,000 VND fee and 2,000,000 VND maximum per withdrawal (2.5%)
  • VietinBank: 55,000 VND fee and 2,000,000 VND maximum per withdrawal (2.8%)
  • Techcombank: 66,000 VND fee and 2,000,000 VND maximum per withdrawal (3.3%)
  • BIDV: 99,000 VND fee and 3,000,000 VND maximum per withdrawal (3.3%)
  • VietBank: 160,000 VND fee and 2,000,000 VND maximum per withdrawal (8%)
  • Also, keep in mind that on top of the ATM fees, depending on what banking package you have, your own bank will also charge you an international withdrawal fee as well. This amount ranges and for me it's $5USD, but it can be as high as $10-$15. Again, check with your bank to see if you're going to be charged for making overseas ATM withdrawals
  • Most ATMs will ask you if you want to convert to your home currency first before making the withdrawal. Always choose no for this. This is called Dynamic Currency Conversion and is a major ripoff and will cost you $5-$10 USD if you use it (https://en.wikipedia.org/wiki/Dynamic_currency_conversion)

  • Other ATM tips:
  • Not all ATMs accept chip cards. Most do, but some ATMs accept only magnetic strips. This shouldn't be an issue as most bank cards issued have both magnetic strips and chips, but just double check to make sure
  • I saw some posts before I went to Vietnam about the ATMs there requiring 6 digit PINs, but personally I never had any such issues on my trip. All the ATMs I came across asked for 4 digits. What the posts I read said was that if you do come across ATMs that require 6-digit pins, add two 0s in front of your 4-digit pin. I personally can't say whether this works or not, but my suggestion is to just use another ATM because some travelers have had their cards "eaten" (withheld) by the machine for security reasons, so I wouldn't risk it
  • If this is your first trip to southeast Asia, I suggest you call your bank first to let them know you'll be doing some ATM withdrawals. Some banks block it for security reasons when they see cash withdrawal from other countries, especially from countries the card holder has never been to before
  • Don't forget about your daily withdrawal limit imposed by your own bank. This shouldn't be an issue for most visitors because Vietnam is such a cheap place. For example my bank has a $2000 daily ATM withdrawal limit on my account, and this applies to any ATM in the world
  • Card skimming happens in Vietnam too. This is basically where the thief installs a data reader device on top of the ATM's card insertion slot that looks just like part of the ATM, and steals bank card data when people insert their bank cards through it. This has not happened to me, but stay vigilant and I suggest only using ATMs in enclosed spaces with a monitoring camera (banks, convenience stores, etc.)