{"id":75253,"date":"2026-04-13T12:09:50","date_gmt":"2026-04-13T04:09:50","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=75253"},"modified":"2026-05-05T15:42:04","modified_gmt":"2026-05-05T07:42:04","slug":"vietnam-atm-withdrawal-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/","title":{"rendered":"Vietnam ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Heading to Vietnam? Here\u2019s a guide for everything you need to know about withdrawing cash in Vietnam.<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Planning a trip to Vietnam in 2026? While cashless payments are on the rise, Vietnam is still a largely cash-based society \u2014 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.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\ud83d\udc9c&nbsp;Stay Up To Date:<\/strong><br>\u2013 <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-new-zealand\/\">Things To Do In New Zealand: The Ultimate Travel Guide (2026)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-da-nang\/\">13 Best Things To Do In Da Nang, Vietnam (2026 Guide)<\/a><br>\u2013&nbsp;<a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-kyoto\/\">33 Things to Do in Kyoto, Japan: Top Attractions, Food &amp; Travel Tips<\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Summary:<\/strong> <\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash is essential in Vietnam, especially outside major tourist areas.<br><\/li>\n\n\n\n<li>You can use foreign debit and credit cards to withdraw VND from most ATMs.<br><\/li>\n\n\n\n<li>Most Vietnam ATMs charge local withdrawal fees ranging from 0\u201355,000 VND (~S$0\u2013S$2.73), depending on the bank. Always check the ATM screen for fees before withdrawal. <br><\/li>\n\n\n\n<li>VPBank is the best option for foreign card withdrawals \u2014 no fees, with a limit of up to 10,000,000 VND per transaction.<br><\/li>\n\n\n\n<li>ATM withdrawal limits typically range from 2,000,000\u20133,000,000 VND (~S$99\u2013S$149) per transaction at most banks.<br><\/li>\n\n\n\n<li>YouTrip offers free S$400 in ATM withdrawals every calendar month with zero FX fees. *A 2% fee is imposed thereafter.<br><\/li>\n\n\n\n<li>You can use foreign debit and credit cards to withdraw VND from most ATMs<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\ud83d\udcda Table of Contents<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#cash-in-vietnam\"><strong>Do You Still Need Cash in Vietnam?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdraw-vnd\"><strong>Can I Withdraw VND Using My Debit\/Credit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#find-atms\"><strong>Where to Find ATMs in Vietnam<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#how-to-withdraw\"><strong>How to Withdraw VND at Vietnam ATMs<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#atm-fees\"><strong>Vietnam ATM Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#minimise-fees\"><strong>Tips to Minimise ATM Fees in Vietnam<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#withdrawal-limits\"><strong>Vietnam ATM Cash Withdrawal Limits<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#exchange-rates\"><strong>Exchange Rates &amp; Conversion Fees in Vietnam<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#multi-currency-card\"><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#safety-tips\"><strong>Safety Tips for Using ATMs in Vietnam<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cash-in-vietnam\"><strong><strong>Do You Still Need Cash in Vietnam?<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>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:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Street food vendors<\/li>\n\n\n\n<li>Taxi and xe \u00f4m (motorbike taxi) drivers<\/li>\n\n\n\n<li>Local markets and night bazaars<\/li>\n\n\n\n<li>Guesthouses and budget hotels<\/li>\n\n\n\n<li>Entrance fees to temples and tourist attractions<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Always carry some VND, especially when heading to smaller towns or rural areas where card acceptance is limited.<\/p>\n\n\n\n<p><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/things-to-do-in-da-nang\/\"><strong>13 Best Things To Do In Da Nang, Vietnam<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdraw-vnd\"><strong>Can I Withdraw VND Using My Debit\/Credit Card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>To locate the nearest ATM during your trip:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/sea.mastercard.com\/en-region-sea\/personal\/get-support\/find-nearest-atm.html\">Mastercard ATM locator&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.visa.com\/locator\/atm\">Visa ATM locator<\/a><\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide:<\/em> <a href=\"https:\/\/www.you.co\/sg\/blog\/sapa-vietnam-travel-guide\/\"><strong>Sapa Vietnam Travel Guide: Weather, Hanoi to Sapa, Best Things To Do<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"find-atms\"><strong>Where to Find ATMs in Vietnam?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>ATMs are widely available across Vietnam. Common spots:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/blog-size-14.png\" alt=\"Vietnam ATM Withdrawal Guide\" class=\"wp-image-85089\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/blog-size-14.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/blog-size-14-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/blog-size-14-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Airports:<\/strong>&nbsp;Tan Son Nhat (HCMC), Noi Bai (Hanoi), Da Nang, etc.<\/li>\n\n\n\n<li><strong>Shopping centres:<\/strong>&nbsp;Vincom, Lotte Mart, etc.<\/li>\n\n\n\n<li><strong>Hotel lobbies and tourist areas<\/strong><\/li>\n\n\n\n<li><strong>Convenience stores:<\/strong>&nbsp;Circle K, Family Mart, MiniStop<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><strong>Banks and their fees (as of Apr 2026):<\/strong><\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>1. VPBank<\/strong> \u2014 Locate your ATM <a href=\"https:\/\/www.vpbank.com.vn\/chi-nhanh-va-atm\">here<\/a><br>Known to have <strong>no ATM fee<\/strong> for foreign cardholders. Highest withdrawal limit of up to 10,000,000 VND per transaction. <\/p>\n\n\n\n<p><strong>2. ACB Bank<\/strong><br><strong>Charges a fee<\/strong> for foreign cardholders. Withdrawal limit of 3,000,000 VND per transaction. <\/p>\n\n\n\n<p><strong>3. Vietcombank <\/strong>\u2014 Locate your ATM <a href=\"https:\/\/portal.vietcombank.com.vn\/en-us\/network\/Pages\/atm-locations.aspx?devicechannel=default\">here<\/a><br>Charges ~50,000 VND (~S$2.48) per withdrawal.<\/p>\n\n\n\n<p><strong>4. TPBank<\/strong> \u2014 Locate your ATM <a href=\"https:\/\/tpb.vn\/eng\/lien-he\/tim-diem-giao-dich\">here<\/a><br>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&#8217;s ~66,000 VND (~S$3.27) \u2014 more expensive than a flat-fee bank.<\/p>\n\n\n\n<p><strong>5. HSBC<\/strong> \u2014 Locate your ATM <a href=\"https:\/\/www.hsbc.com.vn\/en-vn\/contact\/branch-finder\/\">here<\/a><br>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 \u2014 check with your branch.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u26a0\ufe0f <strong>Note: <\/strong>ATM fees are subject to change; always check the ATM screen before confirming your withdrawal. <\/p>\n<\/blockquote>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/sgd-to-vnd-rate\/\"><strong>SGD To VND: How To Get The Best Vietnamese Dong Rate<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-withdraw\"><strong>How to Withdraw VND at <strong>Vietnam<\/strong> ATMs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1920\" style=\"aspect-ratio: 1080 \/ 1920;\" width=\"1080\" controls poster=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/Screenshot-2026-04-13-at-11.05.36-AM.png\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/Vietnam-ATM-Withdrawal3.mov\"><\/video><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-how-to wp-block-yoast-how-to-block\"><p class=\"schema-how-to-description\"><strong>Here&#8217;s how to withdraw Vietnamese Dong with YouTrip in 4 easy steps:<br><\/strong><\/p> <ol class=\"schema-how-to-steps\"><li class=\"schema-how-to-step\" id=\"how-to-step-1775793913693\"><strong class=\"schema-how-to-step-name\">Locate an ATM displaying the Visa\/Mastercard logo and insert your YouTrip card<\/strong> <p class=\"schema-how-to-step-text\"><img decoding=\"async\" width=\"450\" height=\"121\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png\" class=\"attachment-full size-full\" alt=\"mastercard atm logos\" style=\"max-width: 100%; height: auto;\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1.png 450w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2026\/03\/1-1-300x81.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793948675\"><strong class=\"schema-how-to-step-name\">Select <strong>\u2018Saving account\u2019<\/strong><\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793955775\"><strong class=\"schema-how-to-step-name\">Key in your 4-digit ATM &amp; Card PIN\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793961025\"><strong class=\"schema-how-to-step-name\">Withdraw your desired amount in VND<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><li class=\"schema-how-to-step\" id=\"how-to-step-1775793967359\"><strong class=\"schema-how-to-step-name\">Enjoy <strong>FREE S$400 monthly withdrawals <\/strong>with YouTrip per calendar month, with a 2% fee imposed thereafter\u00a0<\/strong> <p class=\"schema-how-to-step-text\"><\/p> <\/li><\/ol><\/div>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out more about how to withdraw with YouTrip <a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-withdrawal-guide\/\" id=\"81580\"><strong>here<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>get your YouTrip card here!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"atm-fees\"><strong><strong><strong>Vietnam<\/strong> <\/strong>ATM fees<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Here&#8217;s a summary of what you might be charged:<\/p>\n\n\n\n<p><strong>Local ATM fees:<\/strong> Vary significantly by bank. VPBank is fee-free. Vietcombank charges ~50,000 VND (~S$2.48). TPBank now charges ~3.3% of the withdrawal amount. Always check the ATM screen for fees before withdrawal.<\/p>\n\n\n\n<p><strong>Your bank&#8217;s fees:<\/strong> Your Singapore bank may add its own charge \u2014 either a flat fee or a percentage of the withdrawal amount. Check before your trip to avoid surprises.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-power-plug-socket-guide\/\"><strong>Vietnam Power Plug &amp; Socket Guide: Types, Adapters &amp; Travel Tips<\/strong><\/a><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"minimise-fees\"><strong><strong>Tips to Minimise ATM Fees in Vietnam<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use VPBank<\/strong>&nbsp;\u2014 both are fee-free for foreign cardholders as of April 2026<\/li>\n\n\n\n<li>Withdraw larger amounts less frequently to reduce per-transaction charges<\/li>\n\n\n\n<li>Use a multi-currency card like YouTrip for better exchange rates and lower fees<\/li>\n\n\n\n<li>Always select VND when prompted (never SGD \u2014 see DCC below)<\/li>\n\n\n\n<li>Check your Singapore bank&#8217;s foreign ATM policy before you go<\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em>Here&#8217;s a <a href=\"https:\/\/www.you.co\/sg\/blog\/best-things-to-do-in-penang\/\"><strong>3-Day Penang Itinerary: Best Things To Do In Penang<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"withdrawal-limits\"><strong>Vietnam ATM Cash Withdrawal Limits<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Limits vary by bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>VPBank:<\/strong>&nbsp;Up to 10,000,000 VND (~S$496) per transaction \u2014 highest available<\/li>\n\n\n\n<li><strong>ACB:<\/strong>&nbsp;Up to 3,000,000 VND (~S$149) per transaction<\/li>\n\n\n\n<li><strong>Vietcombank:<\/strong>&nbsp;2,000,000 to 5,000,000 VND (~99 to S$248) per transaction<\/li>\n\n\n\n<li><strong>Most other local bank ATMs:<\/strong>&nbsp;2,000,000\u20133,000,000 VND (~S$99\u2013S$149) per transaction<\/li>\n<\/ul>\n\n\n\n<p>Your Singapore bank may also impose its own daily withdrawal cap \u2014 worth checking before travel.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Card in Singapore: Top 4 Credit Cards Compared (UOB, HSBC, Citi, DBS)<\/strong><\/a><\/em><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"exchange-rates\"><strong><strong>Exchange Rates &amp; Conversion Fees in Vietnam<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Two things to watch out for:<\/p>\n\n\n\n<p><strong>Dynamic Currency Conversion (DCC):<\/strong> If an ATM offers to charge you in SGD instead of VND \u2014 always choose VND. Selecting SGD triggers DCC, which applies a worse exchange rate plus extra fees.<\/p>\n\n\n\n<p><strong>Exchange rate markups:<\/strong> Without a multi-currency card, your bank may mark up the rate by 1\u20134%. Factor this into your total costs.<\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em><a href=\"https:\/\/www.you.co\/sg\/blog\/exchange-money-in-singapore-or-overseas\/\"><strong>Should I Exchange Money in Singapore or Overseas?<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"multi-currency-card\"><strong><strong>Tips to Avoid Extra Fees: Use a Multi-Currency Card<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>A multi-currency card lets you spend like a local \u2014 no rate markups, no hidden fees. Some waive FX charges entirely.<\/p>\n\n\n\n<p>Cards like YouTrip, Wise, and Revolut are worth considering. They typically:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Give you real-time exchange rates<\/li>\n\n\n\n<li>Charge zero or lower foreign transaction fees vs traditional banks<\/li>\n\n\n\n<li>Offer free monthly ATM withdrawals and work at most ATMs in Vietnam<\/li>\n<\/ul>\n\n\n\n<p>Here\u2019s a quick comparison between some of the best multi-currency cards in Singapore:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>YouTrip<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Revolut<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Wise<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Amaze<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Trust<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>VND Exchange Rate<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 20,152 VND<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 20,133 VND<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 20,030 VND<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 20,093 VND<\/td><td class=\"has-text-align-left\" data-align=\"left\">1 SGD = 20,150 VND<\/td><\/tr><tr><td><strong>FX Fees <\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees <\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>On weekdays:&nbsp;<\/strong>No fees apply if you\u2019re within your plan\u2019s fair usage limit&nbsp;<br><br><strong>On weekends:&nbsp;<\/strong>1% fee applies regardless of your plan<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currency Conversion Fee:&nbsp;<\/strong>From 0.26%<br><br>*fee varies by currency<\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees for FX transactions<br><br>\u2705 1% domestic fee for SGD transactions <\/td><td class=\"has-text-align-left\" data-align=\"left\">No fees<\/td><\/tr><tr><td><strong>ATM Withdrawal Fees<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$400 free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">Up to S$350 or 5 withdrawals free\/month; 2% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\"><strong>From 1 May 2026:<\/strong><br>Free up to S$100\/month; 1.75% fee thereafter<\/td><td class=\"has-text-align-left\" data-align=\"left\">2% fee on all amounts withdrawn<\/td><td class=\"has-text-align-left\" data-align=\"left\">None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates taken as of 13 Apr 2026<\/em><\/p>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide: <\/em>Find out what are the <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\" id=\"50892\">Best Multi-Currency Cards In Singapore<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"safety-tips\"><strong><strong>Safety Tips For Using ATMs in Vietnam<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use ATMs inside banks, malls, or hotel lobbies \u2014 avoid standalone street machines<\/li>\n\n\n\n<li>Check for skimming devices \u2014 look for loose card slots or unusual attachments<\/li>\n\n\n\n<li>Cover your PIN when entering it<\/li>\n\n\n\n<li>Enable transaction alerts via your banking app<\/li>\n\n\n\n<li>If your card gets stuck or lost, call your bank immediately<\/li>\n<\/ul>\n\n\n\n<p><em><em>\ud83d\udcd6 Related Guide:<\/em> <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/best-things-to-do-in-hanoi\/\">21 Best Things To Do In Hanoi For 3D2N<\/a><\/strong><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong> Country ATM Guides:<\/strong><\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Need fee-free or lower-fee ATM recommendations? Explore our country-specific withdrawal guides:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83c\uddf2\ud83c\uddfe <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/malaysia-atm-withdrawal\/\">Malaysia ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddef\ud83c\uddf5 <a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\">Japan ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddf9\ud83c\udded <a href=\"https:\/\/www.you.co\/sg\/blog\/thailand-atm-withdrawal-guide\/\"><strong>Thailand ATM Withdrawal Guide<\/strong><\/a> | <strong>\ud83c\uddf0\ud83c\uddf7 <a href=\"https:\/\/www.you.co\/sg\/blog\/south-korea-atm-withdrawal-guide\/\">South Korea ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddf9\ud83c\uddfc <a href=\"https:\/\/www.you.co\/sg\/blog\/taiwan-atm-withdrawal-guide\/\">Taiwan ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\udded\ud83c\uddf0 <a href=\"https:\/\/www.you.co\/sg\/blog\/hong-kong-atm-withdrawal-guide\/\">Hong Kong ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddee\ud83c\udde9 <a href=\"https:\/\/www.you.co\/sg\/blog\/indonesia-atm-withdrawal-guide\/\">Indonesia ATM Withdrawal Guide<\/a><\/strong> | <strong>\ud83c\uddfb\ud83c\uddf3 <a href=\"https:\/\/www.you.co\/sg\/blog\/vietnam-atm-withdrawal-guide\/\">Vietnam ATM Withdrawal Guide<\/a><\/strong> | \ud83c\udde6\ud83c\uddfa <a href=\"https:\/\/www.you.co\/sg\/blog\/australia-atm-withdrawal-guide\/\"><strong>Australia ATM Withdrawal Guide<\/strong><\/a> | <strong>\ud83c\uddf2\ud83c\uddf4 <a href=\"https:\/\/www.you.co\/sg\/blog\/macau-atm-withdrawal-guide\/\">Macau ATM Withdrawal Guide<\/a><\/strong> | \ud83c\udde8\ud83c\uddf3 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/china-atm-withdrawal-guide\/\">China ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddfa\ud83c\uddf8 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/us-atm-withdrawal-guide\/\">US ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddff\ud83c\udde6 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/south-africa-atm-withdrawal-guide\/\">South Africa ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddf5\ud83c\udded <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/philippines-atm-withdrawal-guide\/\">Philippines ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddeb\ud83c\uddf7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/france-atm-withdrawal-guide\/\">France ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddec\ud83c\udde7 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/uk-atm-withdrawal-guide\/\">UK ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddf3\ud83c\uddff <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/new-zealand-atm-withdrawal-guide\/\">New Zealand ATM Withdrawal Guide<\/a><\/strong> | \ud83c\uddee\ud83c\uddf9 <strong><a href=\"https:\/\/www.you.co\/sg\/blog\/italy-atm-withdrawal-guide\/\">Italy ATM Withdrawal Guide<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get the best VND rates<\/strong> <strong>with YouTrip!<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/12-1.png\" alt=\"Vietnam ATM withdrawal \" class=\"wp-image-85091\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/12-1.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/12-1-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/06\/12-1-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Want to skip high fees and dodgy exchange rates altogether? YouTrip lets you pay with the best VND rates \u2014 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.<\/p>\n\n\n\n<p>Sign up for your complimentary YouTrip card today with <strong>&lt;YTBLOG5&gt;<\/strong> and get <strong>FREE S$5<\/strong> in your account!<\/p>\n\n\n\n<p>Then, head over to our <a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">YouTrip Perks<\/a> page for exclusive offers and promotions \u2014 we promise you won\u2019t regret it.<\/p>\n\n\n\n<p>For more great tips and articles like this, join our<a href=\"https:\/\/t.me\/youtripsquad\"> Telegram<\/a> (@YouTripSG) and subscribe to our<a href=\"https:\/\/go.you.co\/blog-newsletter\"> free weekly newsletter here<\/a> or down below.&nbsp;&nbsp;<\/p>\n\n\n\n<p>For travel tips, event invites, and more, join our Community Telegram Group <a href=\"https:\/\/t.me\/youtripsquad\">@YouTripSquad<\/a>! \ud83d\udc9c<\/p>\n\n\n\n<p>Happy travels! <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Related Articles<\/strong><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#712d82\"><a href=\"https:\/\/www.you.co\/sg\/blog\/best-citi-miles-credit-cards-in-sg\/\"><strong>Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\"><strong>Money Changer Near Me: 14 Best Money Changers In Singapore<\/strong><\/a><br><a href=\"https:\/\/www.you.co\/sg\/blog\/maribank-singapore-guide\/\"><strong>Maribank Singapore Guide: Credit Card, Interest Rates, Fees &amp; Overseas Spending<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/figure>\n\n\n\n<p><em>*The information stated above is true as of 13 Apr 2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Withdraw VND worry-free \ud83c\udfe7<\/p>\n","protected":false},"author":75,"featured_media":85092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[624],"tags":[40186,39194,40302],"class_list":["post-75253","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel","tag-atm-withdrawal","tag-vietnam","tag-vietnam-atm-withdrawal"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/75253","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=75253"}],"version-history":[{"count":5,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/75253\/revisions"}],"predecessor-version":[{"id":86566,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/75253\/revisions\/86566"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/85092"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=75253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=75253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=75253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}