Vietnam ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)

Heading to Vietnam? Here’s a guide for everything you need to know about withdrawing cash in Vietnam.

Planning a trip to Vietnam in 2026? While cashless payments are on the rise, Vietnam is still a largely cash-based society — especially in smaller towns, markets, and local eateries. That means having Vietnamese Dong (VND) on hand is essential. This Vietnam ATM withdrawal guide covers everything you need to know, including ATM fees, best locations, withdrawal limits, exchange rate tips, and how to avoid extra charges.

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Summary:

• Cash is essential in Vietnam, especially outside major tourist areas.
  
• You can use foreign debit and credit cards to withdraw VND from most ATMs.
  
• Most Vietnam ATMs charge local withdrawal fees ranging from 0–55,000 VND (~S$0–S$2.73), depending on the bank. VPBank and ACB are currently fee-free.
  
• VPBank is the best option for foreign card withdrawals — no fees, with a limit of up to 10,000,000 VND per transaction.
  
• ATM withdrawal limits typically range from 2,000,000–3,000,000 VND (~S$99–S$149) per transaction at most banks.
  
• YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.
  
• You can use foreign debit and credit cards to withdraw VND from most ATMs

Table of Contents

1. Do You Still Need Cash in Vietnam?
2. Can I Withdraw VND Using My Debit/Credit Card?
3. Where to Find ATMs in Vietnam
4. How to Withdraw VND at Vietnam ATMs
5. Vietnam ATM Fees
6. Tips to Minimise ATM Fees in Vietnam
7. Vietnam ATM Cash Withdrawal Limits
8. Exchange Rates & Conversion Fees in Vietnam
9. Tips to Avoid Extra Fees: Use a Multi-Currency Card
10. Safety Tips for Using ATMs in Vietnam

Do You Still Need Cash in Vietnam?

Yes. Cash remains essential for most day-to-day spending in Vietnam. Even as card payments grow in Hanoi, Ho Chi Minh City, and Da Nang, many places still prefer or only take cash:

• Street food vendors
• Taxi and xe ôm (motorbike taxi) drivers
• Local markets and night bazaars
• Guesthouses and budget hotels
• Entrance fees to temples and tourist attractions

Tip: Always carry some VND, especially when heading to smaller towns or rural areas where card acceptance is limited.

Related Guide: 13 Best Things To Do In Da Nang, Vietnam

Can I Withdraw VND Using My Debit/Credit Card?

Yes. Most Vietnamese ATMs accept international Visa, Mastercard, UnionPay, JCB, and Maestro cards. That said, check with your bank before you travel to confirm overseas use is activated.

To locate the nearest ATM during your trip:

• Mastercard ATM locator 
• Visa ATM locator

Related Guide: Sapa Vietnam Travel Guide: Weather, Hanoi to Sapa, Best Things To Do

Where to Find ATMs in Vietnam?

ATMs are widely available across Vietnam. Common spots:

• Airports: Tan Son Nhat (HCMC), Noi Bai (Hanoi), Da Nang, etc.
• Shopping centres: Vincom, Lotte Mart, etc.
• Hotel lobbies and tourist areas
• Convenience stores: Circle K, Family Mart, MiniStop

Banks and their fees (as of 13 Apr 2026):

1. VPBank — Locate your ATM here
No ATM fee for foreign cardholders. Highest withdrawal limit of up to 10,000,000 VND per transaction. Best option overall.

2. ACB Bank
No ATM fee for foreign cardholders. Withdrawal limit of 3,000,000 VND per transaction. A solid fee-free alternative to VPBank.

3. Vietcombank — Locate your ATM here
Charges ~50,000 VND (~S$2.48) per withdrawal.

4. TPBank — Locate your ATM here
As of June 2025, TPBank switched from fee-free to a variable fee of ~3.3% of the withdrawn amount. On a 2,000,000 VND withdrawal, that’s ~66,000 VND (~S$3.27) — more expensive than a flat-fee bank.

5. HSBC — Locate your ATM here
HSBC charges ~S$8 per overseas ATM withdrawal plus a 1.5% foreign currency conversion fee. HSBC Premier customers may qualify for fee-free withdrawals worldwide — check with your branch.

Note: Rural areas have fewer ATMs. Withdraw enough cash in the city before heading out.

Related Guide: SGD To VND: How To Get The Best Vietnamese Dong Rate

How to Withdraw VND at Vietnam ATMs

Related Guide: Find out more about how to withdraw with YouTrip here

Vietnam ATM fees

Here’s a summary of what you might be charged:

Local ATM fees: Vary significantly by bank. VPBank and ACB are fee-free. Vietcombank charges ~50,000 VND (~S$2.48). TPBank now charges ~3.3% of the withdrawal amount.

Your bank’s fees: Your Singapore bank may add its own charge — either a flat fee or a percentage of the withdrawal amount. Check before your trip to avoid surprises.

Related Guide: Vietnam Power Plug & Socket Guide: Types, Adapters & Travel Tips

Tips to Minimise ATM Fees in Vietnam

• Use VPBank or ACB — both are fee-free for foreign cardholders as of April 2026
• Withdraw larger amounts less frequently to reduce per-transaction charges
• Use a multi-currency card like YouTrip for better exchange rates and lower fees
• Always select VND when prompted (never SGD — see DCC below)
• Check your Singapore bank’s foreign ATM policy before you go

Related Guide: Here’s a 3-Day Penang Itinerary: Best Things To Do In Penang

Vietnam ATM Cash Withdrawal Limits

Limits vary by bank:

• VPBank: Up to 10,000,000 VND (~S$496) per transaction — highest available
• ACB: Up to 3,000,000 VND (~S$149) per transaction
• Vietcombank: Up to 5,000,000 VND (~S$248) per transaction
• Most other local bank ATMs: 2,000,000–3,000,000 VND (~S$99–S$149) per transaction

Your Singapore bank may also impose its own daily withdrawal cap — worth checking before travel.

Related Guide: Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)

Exchange Rates & Conversion Fees in Vietnam

Two things to watch out for:

Dynamic Currency Conversion (DCC): If an ATM offers to charge you in SGD instead of VND — always choose VND. Selecting SGD triggers DCC, which applies a worse exchange rate plus extra fees.

Exchange rate markups: Without a multi-currency card, your bank may mark up the rate by 1–4%. Factor this into your total costs.

Related Guide: Should I Exchange Money in Singapore or Overseas?

Tips to Avoid Extra Fees: Use a Multi-Currency Card

A multi-currency card lets you spend like a local — no rate markups, no hidden fees. Some waive FX charges entirely.

Cards like YouTrip, Wise, and Revolut are worth considering. They typically:

• Give you real-time exchange rates
• Charge zero or lower foreign transaction fees vs traditional banks
• Offer free monthly ATM withdrawals and work at most ATMs in Vietnam

Here’s a quick comparison between some of the best multi-currency cards in Singapore:

	YouTrip	Revolut	Wise	Amaze	Trust
VND Exchange Rate	1 SGD = 20,152 VND	1 SGD = 20,133 VND	1 SGD = 20,030 VND	1 SGD = 20,093 VND	1 SGD = 20,150 VND
FX Fees	No fees	On weekdays: No fees apply if you’re within your plan’s fair usage limit  On weekends: 1% fee applies regardless of your plan	Currency Conversion Fee: From 0.26% *fee varies by currency	No fees for FX transactions 1% domestic fee for SGD transactions	No fees
ATM Withdrawal Fees	Up to S$400 free/month; 2% fee thereafter	Up to S$350 or 5 withdrawals free/month; 2% fee thereafter	From 1 May 2026: Free up to S$100/month; 1.75% fee thereafter	2% fee on all amounts withdrawn	None

*Rates taken as of 13 Apr 2026

Related Guide: Find out what are the Best Multi-Currency Cards In Singapore

Safety Tips For Using ATMs in Vietnam

• Use ATMs inside banks, malls, or hotel lobbies — avoid standalone street machines
• Check for skimming devices — look for loose card slots or unusual attachments
• Cover your PIN when entering it
• Enable transaction alerts via your banking app
• If your card gets stuck or lost, call your bank immediately

Related Guide: 21 Best Things To Do In Hanoi For 3D2N

Country ATM Guides:

Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:

Malaysia ATM Withdrawal Guide
Japan ATM Withdrawal Guide
Thailand ATM Withdrawal Guide
South Korea ATM Withdrawal Guide
Taiwan ATM Withdrawal Guide
Hong Kong ATM Withdrawal Guide
Indonesia ATM Withdrawal Guide
Vietnam ATM Withdrawal Guide
Australia ATM Withdrawal Guide
Macau ATM Withdrawal Guide

Get the best VND rates with YouTrip!

Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best VND rates — no fees, no hidden charges. You also get free monthly ATM withdrawals of up to S$400, with a 2% fee imposed thereafter. Perfect for hassle-free travel in Vietnam.

Sign up for your complimentary YouTrip card today with <YTBLOG5> and get FREE S$5 in your account!

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it.

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Happy travels!

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*The information stated above is true as of 13 Apr 2026

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