| Bank | Fee for a foreign card (2024-2025 sources) | Limit |
|---|---|---|
| VPBank | none (July 2025, per one guide) | up to 10 million VND |
| Vietcombank | about 50,000 VND | often 3 to 5 million VND |
| TPBank | about 50,000 VND (varies by machine) | varies |
| Agribank | about 55,000 VND | varies |
| ACB | fee for foreign cards | 3 million VND |
Useful rules
- Decline conversion: if the ATM offers to convert into your currency, choose "without conversion" or "charge in VND".
- Fewer withdrawals: take the machine's maximum, not 500,000 VND at a time.
- Cash: markets, street vendors and small restaurants take cash only; keep small notes.
- Card: hotels and restaurants in the centre often take cards; check for any surcharge.
Internet and insurance on the spot
To pay and get online without roaming charges, see our guide to SIM and eSIM in Vietnam. For health: travel insurance for Vietnam. More arrival tips: scams and safety in Hanoi and travel budget.
