Quick answer: VPBank is among the Best ATMs in Vietnam for tourists. Additionally, it charges no fee for foreign cards. It allows withdrawals up to 10,000,000 VND (~$400) per transaction. However, TPBank charges a ~3.3% fee on every withdrawal since June 2025. Most other banks charge 22,000–55,000 VND ($0.85–$2.15) per transaction. If you use a card like Wise or Charles Schwab, you can dodge most fees entirely.
Vietnam is still a cash country.
Additionally, you’ll need dong for street food, taxis, markets, and small shops.
Moreover, this guide shows you exactly which ATMs to use.
It also highlights Best ATMs in Vietnam to avoid, and how to save money on withdrawals.
🏧 ATM fees in Vietnam — what to expect in 2026
Most ATMs in Vietnam charge a flat fee per withdrawal, not a percentage. Your home bank may also add a foreign transaction fee or a non-network ATM surcharge on top.
| Bank | Fee (VND) | Fee (USD) | Limit per withdrawal |
|---|---|---|---|
| VPBank | 0 | $0 | 10,000,000 |
| MSB | 22,000 | $0.85 | 5,000,000 |
| BIDV | 33,000 | $1.30 | 5,000,000 |
| Techcombank | 55,000 | $2.15 | 5,000,000 |
| Vietcombank | 55,000 | $2.15 | 5,000,000 |
| Sacombank | 33,000 | $1.30 | 5,000,000 |
| Agribank | 33,000 | $1.30 | 3,000,000 |
| Vietinbank | 55,000 | $2.15 | 5,000,000 |
| TPBank | ~3.3% | $0.85–$3.30 | 5,000,000 |
💡 Tip: VPBank limits vary by machine type — older ATMs may have lower caps. Try the VPBank Diamond or Priority machines near tourist areas.
💰 How foreign card fees stack up
The ATM fee is only part of the cost. Your home bank may add extra charges:
- Foreign transaction fee: 1–3% of the withdrawal amount (common with US banks)
- Non-network ATM fee: $2–5 per withdrawal (common with many banks)
- Dynamic Currency Conversion (DCC): When the ATM offers to charge you in USD instead of VND — always decline this. You’ll get a much worse exchange rate.
Best cards to avoid these fees:
- Charles Schwab High Yield Investor Checking — refunds all ATM fees worldwide, no foreign transaction fees
- Wise — low fees, good exchange rates, transparent pricing
- Revolut — free withdrawals up to certain limits, good exchange rates
- Monzo — fee-free withdrawals abroad (within limits), no foreign transaction fees
🏦 VPBank — the best ATM in Vietnam
VPBank is the only major bank in Vietnam that charges zero ATM fees for foreign cards. Its machines are widely available in tourist areas — Hanoi, Ho Chi Minh City, Da Nang, and Nha Trang.
Key points:
- No fee for foreign cards (as of 2026)
- Limit: Up to 10,000,000 VND (~$400) per withdrawal — the highest in the country
- Exchange rate: Uses Visa/Mastercard rates (no markup)
- Where to find them: Near tourist centers — try Dong Khoi Street in Saigon or Hoan Kiem Lake in Hanoi
⚠️ Note: Some VPBank machines have lower limits (2,000,000–5,000,000 VND). If you find one that says “Diamond” or “Priority” on the screen, it’s more likely to be 10,000,000. If you’re staying in Ho Chi Minh City or Hanoi, finding a VPBank is easy.
🚫 TPBank — avoid it
TPBank changed its fee structure in June 2025. It now charges a ~3.3% fee on every ATM withdrawal . This applies even if your home bank refunds ATM fees — you’ll still pay TPBank’s fee .
- Fee: ~3.3% of the withdrawal amount
- Minimum: Around 30,000 VND ($1.20) per withdrawal (not exact — if you withdraw ~1,000,000 VND, you’ll pay roughly 33,000 VND).
- Limit: 5,000,000 VND per transaction (same as most other banks).
❌ Verdict: Skip TPBank. Use VPBank instead.
📌 Practical tips for withdrawing cash
- Use VPBank first. It’s the only major bank that consistently offers zero-fee withdrawals for foreign cards.
- Check the limit before you insert your card. Most machines display the per-transaction limit on the screen. If you see a low limit, cancel and find another ATM.
- Decline the ATM’s exchange rate. Always choose to be charged in VND (local currency), not USD. You’ll get a better rate from your bank.
- Be aware of your home bank’s fees. If your bank charges a fixed foreign transaction fee, you’ll want to make larger withdrawals less frequently. If they charge a percentage, it doesn’t matter as much.
- Keep cash in multiple places. Carry a mix of large and small bills, and use a money belt for large amounts.
- Avoid ATMs in convenience stores. Fees are often higher and exchange rates worse than bank ATMs.
❓ Frequently Asked Questions
Which bank has the lowest ATM fees in Vietnam?
VPBank charges no fee for foreign cards. MSB charges 22,000 VND ($0.85) — the lowest among fee-charging banks.
What is the daily ATM withdrawal limit in Vietnam?
The limit is set by your home bank, not by Vietnamese banks. Most Vietnamese ATMs cap each transaction at 5,000,000–10,000,000 VND. You can make multiple transactions if you need more cash.
Can I withdraw money from a VPBank ATM at the airport?
Yes — there are VPBank ATMs at Noi Bai (Hanoi), Tan Son Nhat (Saigon), and Da Nang airports. You can usually find one near the baggage claim or outside the arrivals terminal.
Is it better to withdraw cash or exchange currency in Vietnam?
Withdraw from ATMs in Vietnam. You’ll usually get the Visa/Mastercard exchange rate, which is better than most currency exchange booths. Just use VPBank to avoid the fee, and decline the ATM’s offered exchange rate.
What should I do if the ATM won’t give me cash?
Take a photo of the error message, check if the ATM has a phone number on it (some display a hotline), and call your home bank immediately. It’s rare, but it happens.
💎 Final Verdict
For tourists in Vietnam, VPBank is the clear winner — no fee, high limits, and widely available. Avoid TPBank since its 3.3% fee makes it the most expensive option. If you’re withdrawing frequently, consider using a card like Wise or Charles Schwab that reimburses foreign ATM fees to further reduce costs. Always decline the ATM’s exchange rate, and check the withdrawal limit on the screen before inserting your card.
Once you’ve sorted your cash strategy, the rest of Vietnam is waiting. Check out my detailed guides to Hon Thom Island, Sunset Town, and Grand World to start planning your trip.
🏨 Where to Stay & What to Pair It With
Once you’ve sorted your cash, it’s time to book your accommodation. You’ll find everything from budget guesthouses to luxury resorts — check hotels in Vietnam to compare prices and read guest reviews. For a broader overview, I’ve put together guides to the best hotels on Phu Quoc, best hotels in Da Nang, and best hotels in Nha Trang if you’re still deciding where to base yourself.
Pair your trip with a visit to Ngoc Hien Pearl Farm for a unique cultural experience, or Sim Sơn Winery for a taste of Phu Quoc’s famous sim wine. For a full day of adventure, combine it with VinWonders and Safari — the park is one of the island’s top attractions.
