Heading to Vietnam? Here’s a guide for everything you need to know about withdrawing cash in Vietnam — from fees to recommended locations.

Planning a trip to Vietnam in 2025? 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. Here’s how you can make use of this Vietnam ATM withdrawal guide like a pro.

In this comprehensive guide, we cover everything you need to know about withdrawing money in Vietnam, including ATM fees, locations, withdrawal limits, exchange rates, and how to avoid extra charges. 

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Summary:

• Cash is essential in Vietnam, especially outside tourist hotspots
  
• You can use foreign debit and credit cards to withdraw VND from most ATMs
  
• Most Vietnam ATMs charge local withdrawal fees ranging from 20,000 VND to 55,000 VND (~S$0.99 to S$2.72)
  
• VPBank is the most ideal when withdrawing cash in Vietnam as it charge no fees (as of 9 July 2025)
  
• ATM withdrawal limits typically range from 20,000 VND to 5,000,000 VND per transaction 
  
• YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.

Do you still need cash in Vietnam?

Yes. Cash is still necessary for most daily transactions in Vietnam. Even though card payments are increasingly accepted in major cities like Hanoi, Ho Chi Minh City, and Da Nang, many places prefer or only take cash. These include: 

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

Tip: We recommend always carrying some Vietnamese Dong (VND), especially when travelling to smaller towns or rural areas where card payment options are limited.

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Can I withdraw VND using my debit/credit card?

Yes. Most Vietnamese ATMs accept these foreign-issued cards: Visa, Mastercard, Union Pay, JCB, and Maestro. 

That said, it’s always a good idea to check with your bank or card provider before you travel. To locate the nearest ATM during your trip, use these global ATM locators:

• Mastercard ATM locator 
• Visa ATM locator

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Where to find ATMs in Vietnam?

ATMs are widely available throughout Vietnam. These are some common, convenient locations to withdraw Vietnamese Dong from with your foreign card:

• Airports: Tan Son Nhat, Noi Bai, Da Nang, etc.
  
• Shopping Centres: Vincom, Lotte Mart, etc.
  
• Hotel lobbies & tourist areas 
  
• Convenience stores: Circle K, Family Mart, MiniStop

Banks:

1️⃣ VPBank — Locate your ATM here
🌟 Bonus: Withdrawals at VPBank are fee-free!

2️⃣ TPBank — Locate your ATM here
[Update] As of 21 June 2025, TPBank ATMs no longer offer fee-free withdrawals for foreign cards. A fee of ~50,000 VND (~S$2.47) now applies per transaction.

3️⃣ Vietcombank — Locate your ATM here
❗️ Each withdrawal is subject to a fee of ~50,000 VND (~S$2.47)

4️⃣ ACB Bank
❗️ Each withdrawal is subject to fees ranging from 30,000 to 55,000 VND per transaction (~S$1.48 to S$2.72)

5️⃣ Citibank — Locate your ATM here
Citibank generally doesn’t charge a fee for withdrawals at its own ATMs. However, there might be a foreign transaction fee for using a Citibank card in Vietnam.

6️⃣ HSBC — Locate your ATM here
HSBC charges an additional fee of ~S$8 for using ATMs overseas and a 1.5% fee for foreign currency conversions. HSBC Premier customers may have fee-free withdrawals at all ATMs worldwide. 

📌 Rural areas may have fewer ATMs, so it’s best to withdraw enough cash in the city before heading out!

*The information stated above is true as of 9 July 2025

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How to withdraw VND at Vietnam ATMs

Here’s how you can withdraw VND at Vietnam ATMs with YouTrip in 4 easy steps:

1️⃣ Locate an ATM displaying any of these logos and insert your YouTrip card

2️⃣ Select ‘Saving account’

3️⃣ Key in your 4-digit ATM PIN 

4️⃣ Withdraw your desired amount in VND

👉 Enjoy FREE S$400 monthly withdrawals with YouTrip per calendar month, with a 2% fee imposed thereafter 

And there you have it — you won’t ever have to worry about running out of cash in Vietnam.

Vietnam ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025) — Find out more about how to withdraw with YouTrip here

Vietnam ATM fees

Withdrawing cash from an ATM in Vietnam isn’t free, unfortunately. Here’s a quick look at the possible changes: 

• Local ATM fees: Local ATM withdrawal fees in Vietnam typically range from 20,000 VND to 55,000 VND (~S$0.99 to S$2.72). Some banks may charge slightly higher fees depending on the specific ATM and its location. 

• Your Bank’s fees: On top of that, your Singapore bank might impose its own fee — either a flat rate or a percentage of the withdrawal amount. 

To avoid any unexpected charges, it’s best to check with your bank before your trip!

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Tips to minimise ATM fees in Vietnam

Here’s how to avoid unnecessary charges when withdrawing money in Vietnam: 

• Use a multi-currency card like YouTrip, Wise, or Revolut for better exchange rates and lower fees. 
  
• Withdraw larger amounts less frequently to reduce the number of fees incurred.
  
• Avoid Dynamic Currency Conversion (DVV) by selecting ‘VND’ when prompted.
  
• Choose ATMs operated by local banks known for lower fees.
  
• Check your bank’s foreign ATM policy — some offer rebates or partner networks

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Vietnam ATM cash withdrawal limits  

In Vietnam, ATM withdrawal limits vary by bank and location, but typically range from 2,000,000 VND to 3,000,000 VND per transaction (~S$98.89 to S$148.34) for local bank ATMs. 

Some international banks or ATMs at airports may offer higher limits, potentially up to 10,000,000 VND (~S$494.46).

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Exchange rates & conversion fees in Indonesia

Here’s what to watch out for: 

• Dynamic Currency Conversion (DCC): ATMs may offer to charge you in your home currency — always select VND. If you select SGD, the ATM applies DCC, which gives you a poor exchange rate with extra fees. 
  
• Exchange Rate Markups: If you’re not using a multi-currency card, your bank may mark up the exchange rate by 1-4%. So, keep this in mind when calculating your total costs!

Vietnam ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2025) — Read: Should I Exchange Money in Singapore or Overseas?

Tips to avoid extra fees on exchange rates: Use a multi-currency card

A multi-currency card allows you to spend like a local without the usual markups or extra charges your bank would typically charge — some even waive the FX fees entirely. 

Consider cards like YouTrip, Wise, or Revolut if you’re looking to save on foreign exchange rates and pesky fees. These cards:

• Allow you to score real-time exchange rates
• Avoid or charge lower foreign transaction fees compared to traditional banks 
• Charge lower ATM withdrawal fees & work at most ATMs and retail stores 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	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 monthly ATM withdrawals A 2% fee is imposed thereafter	Free monthly withdrawals of up to S$350 / 5 withdrawals A 2% fee is imposed thereafter	Free monthly withdrawals of up to S$350 / 2 or less withdrawals A 1.75% fee is imposed thereafter	A 2% fee is imposed on all amounts withdrawn	None

*Rates taken as of 3 June 2025

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Vietnam ATM safety tips

Stay safe when withdrawing cash in Vietnam: 

• Use ATMs inside banks, malls, or hotel lobbies — avoid standalone machines on the street.
  
• Inspect for skimming devices (loose card slots or strange attachments).
  
• Cover your PIN with your hand when entering it.
  
• Enable transaction alerts through your banking app. 
  
• If your card is stuck or lost, call your bank immediately. 

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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 with no fees and no hidden charges. You can also enjoy free monthly ATM withdrawals of up to S$400 with a 2% fee imposed thereafter. Perfect for hassle-free travel in Vietnam!

So if you’re looking for a go-to travel card, 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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