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Using ATMs in Vietnam: Withdrawing, Exchange Rates and Safety Tips

May 15, 2024

Navigating a foreign country’s banking system can be a daunting task, but with the right knowledge and preparation, using ATMs in Vietnam can be a seamless experience. In this comprehensive guide, we’ll dive into the intricacies of ATM usage in Vietnam, covering everything from safety tips to finding ATMs, understanding fees and exchange rates, and troubleshooting common issues.

Using ATMs in Vietnam

Using ATMs in Vietnam

ATM Safety Tips for Travelers in Vietnam

Situational Awareness

  • Be vigilant: Always be aware of your surroundings when using an ATM, especially in crowded areas or at night.
  • Avoid isolated ATMs: Stick to ATMs located in well-lit, high-traffic areas, such as banks, shopping malls, or hotels.
  • Watch for suspicious behavior: If you notice anyone loitering or acting suspiciously near the ATM, it’s best to find an alternative location.

Protecting Your Information

  • Cover the keypad: Use your hand or body to shield the keypad when entering your PIN to prevent prying eyes from capturing it.
  • Check for skimmers: Inspect the ATM for any suspicious devices attached to the card reader or keypad, which could be used to steal your card information.
  • Avoid assistance: Politely decline any unsolicited offers of assistance from strangers while using an ATM.

Secure Your Cash

  • Pocket your money discreetly: Once you’ve completed your transaction, put your cash and card away immediately and move away from the ATM.
  • Use RFID-blocking wallets: Consider using wallets or sleeves that block RFID signals to prevent electronic pickpocketing.

Step-by-Step Guide to Withdrawing Cash from ATMs in Vietnam

Preparing for Your ATM Transaction

  • Notify your bank: Inform your bank or credit card company about your travel plans to avoid any potential fraud alerts or blocks on your account.
  • Check ATM compatibility: Ensure your debit or credit card is compatible with the major ATM networks in Vietnam, such as Visa, Mastercard, and UnionPay.
  • Understand currency conversion: Familiarize yourself with the current exchange rate between your home currency and the Vietnamese Dong (VND).

The ATM Withdrawal Process

  1. Locate an ATM: Look for ATMs located in safe, well-lit areas, preferably inside banks or shopping centers.
  2. Select language: Most ATMs in Vietnam offer an English language option, but double-check before proceeding.
  3. Insert your card: Insert your debit or credit card into the designated slot, following the on-screen prompts.
  4. Enter your PIN: Carefully enter your 4-digit PIN while shielding the keypad from potential onlookers.
  5. Select account type: Choose the account you wish to withdraw funds from (e.g., checking, savings).
  6. Choose transaction type: Select “Withdrawal” or “Cash Withdrawal” from the menu options.
  7. Enter withdrawal amount: Input the desired amount in Vietnamese Dong or your home currency.
  8. Confirm transaction: Review the details and confirm the transaction if everything is correct.
  9. Retrieve cash and card: Once the transaction is complete, retrieve your cash and card from the designated slots.

Additional Tips

  • Prioritize smaller denominations: Request smaller bill denominations if possible, as they may be more widely accepted by vendors.
  • Take a receipt: Always take a printed receipt as proof of your transaction for record-keeping purposes.

Finding ATMs in Vietnam: A Comprehensive Guide

Major Banks with ATM Networks

  • VietinBank: One of the largest state-owned banks in Vietnam, with a widespread ATM network across the country.
  • Agribank: Another prominent state-owned bank with a substantial ATM presence, particularly in rural areas.
  • Vietcombank: A leading commercial bank with ATMs located in major cities and tourist hotspots.

Locating ATMs

  • Use mobile apps: Many banking apps and travel apps (e.g.,, Bản đồ) offer ATM locator features, making it easier to find nearby machines.
  • Ask at your accommodation: Hotel staff, hostel owners, or Airbnb hosts can often provide valuable information on the nearest ATM locations.
  • Check online resources: Refer to travel forums, blogs, or websites dedicated to Vietnam travel for up-to-date information on ATM locations.

ATMs in Tourist Areas

  • Major cities: Cities like Hanoi, Ho Chi Minh City, Da Nang, and Hoi An have a high concentration of ATMs, especially in tourist districts and shopping areas.
  • Tourist attractions: Popular tourist destinations, such as Ha Long Bay, Sapa, Hue, and Nha Trang, typically have ATMs nearby or within the attraction premises.

Understanding ATM Fees and Exchange Rates in Vietnam

ATM Withdrawal Fees

  • Foreign transaction fees: Many banks charge a foreign transaction fee, typically a percentage of the withdrawal amount, for using an ATM outside their network.
  • Non-bank ATM fees: Some independent ATM operators may charge additional fees for withdrawals. Always check the fee schedule before proceeding.

Exchange Rates

  • Dynamic currency conversion (DCC): When using foreign cards in Vietnam, some ATMs may offer DCC, which allows you to view the transaction amount in your home currency. However, the exchange rate used may not be favorable, so it’s generally better to reject DCC and have your bank perform the currency conversion.
  • Checking exchange rates: Monitor exchange rates regularly and consider withdrawing larger sums to minimize the impact of fees and unfavorable rates.

Strategies to Minimize Fees

  • Use your bank’s partner ATMs: Many banks have partnerships or alliances with Vietnamese banks, which can minimize or eliminate ATM fees.
  • Explore travel-friendly debit or credit cards: Some cards are designed specifically for international travel and offer lower or no foreign transaction fees.
  • Withdraw larger amounts: While being mindful of your cash needs, withdrawing larger sums can help reduce the overall impact of ATM fees.

ATM Etiquette in Vietnam: Dos and Don’ts


  • Queue patiently: In busy areas, it’s common for lines to form at ATMs. Be patient and respectful of others waiting their turn.
  • Have your card ready: To keep the line moving, have your card ready before approaching the ATM.
  • Step aside after your transaction: If you need to count your cash or complete additional tasks, step aside to allow others to use the ATM.


  • Don’t litter receipts: Avoid leaving your ATM receipts near the machine, as they can contain sensitive information.
  • Don’t occupy the ATM unnecessarily: If you encounter an issue or need assistance, move away from the ATM to allow others to use it while you seek help.
  • Don’t loiter near the ATM: After completing your transaction, move away promptly to avoid crowding the area.

Troubleshooting Common ATM Problems in Vietnam

Card Isn’t Accepted

  • Check compatibility: Ensure your card is compatible with the major ATM networks in Vietnam (Visa, Mastercard, UnionPay).
  • Contact your bank: If your card is still not accepted, reach out to your bank or card issuer for assistance.

Insufficient Funds

  • Check your balance: Verify that you have sufficient funds in your account to cover the desired withdrawal amount and any applicable fees.
  • Adjust withdrawal amount: Try withdrawing a smaller amount or splitting the transaction into multiple withdrawals.

ATM Out of Cash

  • Try another ATM: If the ATM is out of cash, locate the nearest alternative ATM and try again.
  • Check operating hours: Some ATMs may have limited cash availability during off-peak hours or at night.

Other Issues

  • Seek assistance: If you encounter any other issues, such as a stuck card or error messages, seek assistance from the bank staff or contact your card issuer’s customer service for guidance.

Alternative Ways to Access Cash in Vietnam

While ATMs are the most convenient way to access cash in Vietnam, it’s always good to have alternative options in case of emergencies or limited ATM availability.

Money Exchange Services

  • Banks: Major banks in Vietnam offer currency exchange services, often with competitive rates.
  • Licensed money changers: In tourist areas, you’ll find licensed money changers that can exchange foreign currencies for Vietnamese Dong.

Traveler’s Checks

  • Availability: While less common in modern times, some banks and hotels may still accept traveler’s checks for cash advances.
  • Fees: Be aware of potential fees or unfavorable exchange rates associated with using traveler’s checks.

Cash Advance on Credit Cards

  • ATM cash advance: Some credit card issuuers allow cash advances at ATMs, similar to withdrawing from a debit card. However, high fees and interest rates usually apply, so this should be a last resort option.

Mobile Payment Apps

  • e-Wallets: Apps like GrabPay or MoMo are popular in Vietnam and can be used for various transactions, including cash withdrawals at designated locations.
  • QR code payments: Many businesses in Vietnam accept QR code payments, which can be a convenient alternative to cash in urban areas.

Using ATMs in Rural Areas of Vietnam

Accessing ATMs in rural areas of Vietnam may present some challenges compared to urban centers, but with proper planning, you can still manage your finances effectively.

Limited ATM Availability

  • In remote regions and smaller towns, ATMs may be scarce or located only in central areas. It’s advisable to withdraw sufficient cash before venturing into rural areas.
  • Consider carrying extra cash for emergencies, as finding an ATM quickly may not always be feasible in remote locations.

Cash-Only Establishments

  • Some rural shops, markets, or guesthouses may only accept cash payments. Be prepared by having Vietnamese Dong on hand to avoid inconvenience.
  • Engaging with locals to inquire about nearby ATMs or alternative payment methods can help you navigate rural settings more smoothly.

Communicating in Local Languages

  • English proficiency among residents in rural regions may vary. Learning basic Vietnamese phrases related to banking and ATMs can assist you in seeking directions or troubleshooting issues.
  • Being patient and respectful while interacting with locals can foster positive experiences and potentially lead to helpful guidance on accessing financial services.

Staying Safe When Using ATMs in Vietnam: A Comprehensive Guide

Ensuring your safety when using ATMs in Vietnam is paramount to protect yourself from fraud or theft. Implementing these safety measures can enhance your overall security:

Choose ATMs Wisely

  • Opt for ATMs located within banks, shopping malls, or other secure establishments rather than standalone machines in secluded areas.
  • Use ATMs equipped with security features such as surveillance cameras or proximity to security personnel for added protection.

Protect Your PIN

  • Shield your PIN entry from prying eyes or hidden cameras by covering the keypad with your hand while typing.
  • Avoid sharing your PIN with anyone, including bank staff or strangers offering assistance at ATMs.

Monitor Your Surroundings

  • Stay vigilant of your surroundings before, during, and after using an ATM. Be cautious of individuals loitering nearby or exhibiting suspicious behavior.
  • If you feel unsafe or notice anything unusual, abandon the transaction and move to a secure location to assess the situation.

Secure Your Cash and Cards

  • Promptly store your cash, cards, and receipt in a secure wallet or money belt after completing the transaction.
  • Regularly check your account statements for unauthorized transactions and report any discrepancies to your bank immediately.

Stay Updated on Scam Trends

  • Be informed about prevalent ATM scams in Vietnam, such as card skimming or shoulder surfing, to recognize potential threats.
  • Educate yourself on the latest security practices recommended by financial institutions and fellow travelers to safeguard your financial assets.


Navigating the ATM landscape in Vietnam can significantly enhance your travel experience by providing convenient access to local currency. By adhering to safety protocols, choosing reputable ATMs, and minimizing fees through strategic planning, you can optimize your financial transactions while exploring the diverse destinations across the country. Remember to prioritize safety, stay informed on emerging trends, and embrace alternative payment methods for a seamless and secure journey in Vietnam. Whether in bustling cities or remote villages, maintaining vigilance and adaptability will empower you to make the most of your financial resources while savoring the rich tapestry of Vietnamese culture and landscapes. Travel smart, explore responsibly, and enjoy the adventure that awaits in captivating Vietnam!