Automated Teller Machines (ATMs) play a vital role for travelers and residents in Vietnam when it comes to handling cash transactions efficiently. In Vietnam, ATMs are widespread, especially in urban areas like Hanoi and Ho Chi Minh City, offering convenient access to Vietnamese currency, the dong (VND), around the clock. Travelers will find that most ATMs support international cards, with instructions available in both Vietnamese and English, easing the process of withdrawing cash.

However, it's important to be aware of the fees associated with using these machines. Depending on the bank and the type of card used, transaction fees can vary, and there is typically a withdrawal limit per transaction, which may necessitate multiple withdrawals for larger sums of cash. It is also advisable to inform one's bank of travel plans to Vietnam to prevent the triggering of any fraud protection measures that can block access to funds.

When navigating through Vietnam's diverse landscape of ATM services, security considerations should be kept in mind. Users should opt for ATMs located in well-lit, secured areas, preferably attached to bank branches, and remain vigilant for any signs of tampering on the machine. By taking these precautions and staying informed about the local banking infrastructure, accessing cash through ATMs in Vietnam can be a straightforward and secure process.

Understanding ATMs in Vietnam

Navigating the ATM network in Vietnam is straightforward, with a variety of machines available across major cities and towns. They feature diverse operating hours and network affiliations catering to both locals and tourists.

Types of ATMs

Vietnam hosts a range of ATMs from both local and international banks. Prominent Vietnamese banks like Vietcombank, Vietinbank, Agribank, and Sacombank offer widespread ATM services, whereas international banks such as HSBC, ANZ, and more localized ones like Techcombank, TPBank, ACB, VPBank, Eximbank, and MB Bank, provide additional options for cash withdrawals.

ATM Locations

ATMs can be found in various locations throughout Vietnam, especially in major cities such as Ho Chi Minh City, Hanoi, and Da Nang. They are frequently located in:

Common ATM Networks

In Vietnam, ATMs are part of extensive networks, with each bank having its own series of partnered ATMs to reduce or eliminate withdrawal fees for their customers. Vietcombank ATMs are noted for their high prevalence, making it an advantageous network for many users. Agribank similarly boasts a substantial network, especially in rural areas.

Operating Hours and Accessibility

ATMs in Vietnam are typically accessible 24/7, ensuring that cash withdrawal needs can be met at any time. However, some machines, especially those located within certain venues or branches, may operate on restricted hours that align with the operating times of the venue or branch. ATMs are generally equipped with English language options to accommodate international users.

Banking Cards and Currency

In Vietnam, ATMs widely accept several types of international banking cards, and the local currency is the Vietnamese dong, which comes in various denominations. Managing banking cards and understanding currency exchange rates are vital for smooth financial transactions during your stay.

Accepted Cards

Most ATMs in Vietnam are compatible with a range of international banking cards. Major credit and debit cards like Visa and MasterCard are commonly accepted, while JCB, American Express, and UnionPay also have considerable acceptance, especially in urban areas. Keep in mind that although American Express may be less widely accepted due to higher merchant fees, larger hotels and retailers tend to accept it.

Local Currency and Exchange Rate

Vietnam's official currency is the dong (VND). As of the current date, the exchange rates are approximately 23,000 VND for 1 USD, 25,000 VND for 1 Euro, 17,500 VND for 1 AUD, and 200 VND for 1 Japanese Yen. It is important for travelers to know the mid-market rate to compare it with the rates offered by currency exchange services.

Exchanging Foreign Currency

You can exchange USD, Euro, AUD, Japanese Yen, and other foreign currencies at banks, hotels, and authorized currency exchange counters. To get the best rates, compare the offered exchange rates to the mid-market rate and be aware of any additional fees or commissions that may be charged.

Understanding Dong Banknotes

Vietnamese dong is issued in both polymer and paper banknotes, with denominations ranging from 500 to 500,000 VND. Coins are no longer in active circulation. It is essential to be familiar with the appearance of different denominations to handle transactions quickly and to prevent confusion.

Recognizing the color and size differences among these banknotes will help in identifying the correct amounts for purchases and change.

Using ATMs

When utilizing ATMs in Vietnam, it's essential for users to be aware of the different aspects that can affect their transactions. This includes understanding the fees involved, how to securely withdraw cash, as well as being cognizant of the withdrawal limits.

Withdrawing Cash

To withdraw cash from an ATM in Vietnam, one must insert their card, enter the PIN, and follow the prompts to complete the transaction. The ATMs in Vietnam dispense the local currency, Vietnamese dong (VND), and most machines offer English language options for convenience.

ATM Fees and Charges

ATM Fees: Users should anticipate fees for transactions at ATMs. These fees can include:

Avoiding Fees: To minimize fees, users can:

Understanding Withdrawal Limits

Withdrawal Limits: Each bank sets daily withdrawal limits on ATMs, which may be lower for foreign cards. Here's a typical structure:

Safety and Security

Scams: Be vigilant to avoid scams such as card skimming and shoulder surfing at ATMs.

Dynamic Currency Conversion: Users should decline this service at ATMs to avoid inflated exchange rates and additional fees.

Security Tips: To ensure safety:

Practical Tips for ATM Use

When using ATMs in Vietnam, international travelers can navigate the local banking infrastructure more efficiently by understanding fee structures, scam prevention, currency conversion, and emergency access to funds.

Minimizing Fees and Charges

Travelers can avoid excessive fees during ATM transactions by choosing banks with lower charges and by understanding their home bank's policies. Citibank and Wise (formerly TransferWise), for example, often have favorable foreign transaction terms. It is advisable to:

Avoiding Scams and Fraud

Vigilance at ATMs can prevent most scams and frauds. Travelers should:

Currency Conversion and Dynamic Currency Conversion

International travelers should be aware of the exchange rates and opt out of Dynamic Currency Conversion (DCC) offers to avoid inflated rates. They should:

Accessing Money During Emergencies

In the unfortunate event of an emergency, options like Revolut may provide quick access to funds without traditional banking delays. Tourists should:

By adhering to these practical tips, travelers in Vietnam can facilitate smooth financial transactions while mitigating potential challenges related to ATM use.

Payment Practices in Vietnam

In Vietnam, cash transactions persist as the dominant payment method, especially in rural areas, while card payments are growing more common in cities. Understanding these practices is crucial for effectively managing one's travel budget.

Where Cash is Preferred

In Vietnam, cash is king when it comes to everyday transactions, particularly in local markets, street vendors, and transportation services. Cash is also the preferred method of payment in jewelry stores and gold shops, where bargaining is common.

Use of Cards in Urban vs Rural Areas

Transaction in Major Stores and Restaurants

Managing Travel Budget


ATMs in Vietnam provide a convenient means for tourists to access their finances. Visitors will find that ATMs are widely available in major cities and tourist destinations, but less so in remote areas. It's advisable for travelers to carry cash in such regions.

Most ATMs in Vietnam dispense the local currency, the Vietnamese Dong (VND), and many will also offer USD. Bank affiliations are important, as fees can vary. International cards are generally accepted, especially those under Visa, MasterCard, or American Express networks.

Here is a concise breakdown:

Travelers are advised to notify their home banks before departure to avoid security holds on their cards. Additionally, tourists should be aware of local bank operating hours and service numbers for assistance when needed.

For safety, users should conduct ATM transactions in well-lit, secure locations and be mindful of their surroundings. With these considerations in mind, tourists can navigate Vietnam's ATM network efficiently and safely.