Quick answer: VPBank is the ATM most often reported as fee-free for foreign cards, with limits up to about 10,000,000 VND per withdrawal. Vietcombank and BIDV usually charge around 50,000 VND, with limits of roughly 2,000,000–5,000,000 VND. Always check the fee on the screen before you confirm.
The best ATMs in Vietnam for foreign cards are generally major bank machines, with VPBank the one most often reported as fee-free. Vietnam is still largely a cash-based destination. You will need Vietnamese dong for street food, taxis, markets, small shops and some local businesses. This guide shows which ATMs are best for foreigners, what fees to watch for, and how to save money when withdrawing cash. Fees and withdrawal limits vary by ATM and card. Always check the fee displayed on screen before confirming a transaction.
ATM Fees at the Best ATMs in Vietnam: What to Expect
The best ATMs in Vietnam still differ in fees: ATM fees for foreign cards depend on the bank, the card network, the machine and the transaction. Your own bank may add a foreign transaction fee or an out-of-network ATM fee. Fees, limits and accepted cards depend on the bank, the machine and your card issuer. The table below describes what traveler guides commonly report rather than a fixed price list. Confirm the fee, the limit and whether your card is accepted on the ATM screen.
The most important rule is simple: check the fee displayed by the ATM before confirming the withdrawal. If the charge is higher than expected, cancel the transaction and try another bank’s ATM.
Vietnam ATM Fees for Foreigners by Bank
| Bank | What travelers commonly report | What to do |
|---|---|---|
| VPBank | Most consistently reported as fee-free for foreign cards, with the highest limit among major banks, reported at up to 10,000,000 VND per transaction | Try first, and check the screen |
| Vietcombank | Very large network; usually a flat fee of around 50,000 VND per withdrawal (reports range from 30,000 to 60,000 VND), with limits that vary by machine, often 2,000,000–5,000,000 VND | Reliable, but read the fee |
| BIDV | About 50,000 VND per withdrawal, with a limit of about 3,000,000 VND | Check the screen; cancel if the fee is high |
| TPBank | Fee-free until mid-2025; since then guides report about 3.3% of the amount, so a 2,000,000 VND withdrawal costs roughly 66,000 VND | Avoid unless the fee shown is acceptable |
| ACB | Recent guides report a fee (about 55,000 VND in traveler reports) and a limit of about 3,000,000 VND | Check the screen before confirming |
| Techcombank, Sacombank, MSB, VietinBank, Agribank | Widely available in cities and tourist areas; travelers report about 55,000 VND per withdrawal at Sacombank, VietinBank and Agribank, and most banks cap foreign-card withdrawals at 2,000,000–3,000,000 VND | Check the fee and limit each time |
Tip: The Vietnam ATM withdrawal limit can differ between machines from the same bank. If the first ATM offers a low limit, try another machine before making several small withdrawals.
Best ATMs in Vietnam for Foreign Cards: VPBank
Among the best ATMs in Vietnam, VPBank is the standout choice for most tourists: it is the bank most often reported as charging no withdrawal fee on foreign cards and offering a higher per-transaction limit than most rivals, reported at up to 10,000,000 VND against 2,000,000–3,000,000 VND at most other banks. Its ATMs are available in major cities including Hanoi, Ho Chi Minh City, Da Nang and Nha Trang. Do not assume every VPBank ATM has the same limit, because the maximum can differ between machines. Check the screen before completing the transaction. Always choose Vietnamese dong (VND) if the ATM gives you a choice of currencies.
Best ATMs in Vietnam Compared: Vietcombank, BIDV and TPBank
Among the best ATMs in Vietnam, a Vietcombank ATM is the most widely available option for tourists. It usually charges a flat fee of around 50,000 VND per withdrawal, which makes it predictable. BIDV usually charges about 50,000 VND per withdrawal, with a limit of about 3,000,000 VND, so check the screen before confirming. TPBank is a common warning in newer guides: it was fee-free for foreign cards until mid-2025 but is now reported to charge about 3.3% of the amount. If another bank’s ATM clearly shows a lower fee, use that instead. There is no reason to accept an expensive charge when another machine is nearby.
How Foreign Card Fees Stack Up at the Best ATMs in Vietnam
The ATM fee is only part of the cost. Your home bank may add extra charges:
- Foreign transaction fee: some banks charge a percentage of the withdrawal.
- Non-network ATM fee: your bank may charge an additional fixed fee for using another bank’s ATM.
- Dynamic Currency Conversion (DCC): the ATM may offer to charge you in your home currency instead of VND, which can mean a worse exchange rate.
Best practice: when the ATM asks which currency you want to pay in, choose Vietnamese dong (VND). This normally lets your card network or bank handle the currency conversion instead of the ATM operator. Visa’s travel support page includes a global ATM locator and a note on Dynamic Currency Conversion.
Home bank fees: your own bank’s foreign ATM and foreign transaction fees differ from bank to bank and card to card, so they cannot all be listed here. Check your card’s terms before you travel.
Delayed posting: the withdrawal is usually not charged to your account on the day you take the cash. It normally posts within the next 3–4 days and is converted at the rate on the day your bank processes the transaction, not the day of the withdrawal.
Cards That Can Help Reduce ATM Costs
- Fee-reimbursing debit accounts: some banks, such as Charles Schwab’s high-yield checking, reimburse ATM fees worldwide, subject to current account terms.
- Travel cards: Wise, Revolut and Monzo can offer low-cost or fee-free withdrawals within the limits of your plan, so check your own account’s terms before you travel.
How to Decline DCC at the Best ATMs in Vietnam: Step by Step
- Insert your card, choose English if offered and enter your PIN.
- Select the withdrawal option and enter the amount in dong, staying within the limit the machine shows.
- Read the fee message on the screen before you confirm. If it is higher than you expected, cancel and try another bank’s ATM.
- If the machine offers to convert the amount into your home currency, decline and choose Vietnamese dong (VND).
- Confirm, take your card first, then your cash and your receipt.
What 10,000,000 VND Costs in ATM Fees
Because most banks cap foreign-card withdrawals at 2,000,000–3,000,000 VND, the number of withdrawals matters as much as the fee. Here is the same 10,000,000 VND withdrawn at each bank, using the typical fees above. Your own bank may add its own foreign-transaction charge on top.
| Bank | Withdrawals for 10,000,000 VND | Machine fees in total |
|---|---|---|
| VPBank | 1 (limit up to 10,000,000 VND) | About 0 VND on reports of a fee-free machine |
| Vietcombank | 2 to 5, depending on the machine limit | About 100,000–250,000 VND at around 50,000 VND each |
| BIDV | 4 (limit about 3,000,000 VND) | About 200,000 VND at around 50,000 VND each |
| ACB | 4 (limit about 3,000,000 VND) | About 220,000 VND at around 55,000 VND each |
| TPBank | Depends on the machine limit | About 330,000 VND at roughly 3.3% of the amount |
One large withdrawal at a machine with a high limit is almost always the cheapest way to get cash, which is why the VPBank limit is worth planning around.
Safety and Scam Tips at the Best ATMs in Vietnam
- Use ATMs inside or next to bank branches, rather than independent machines in bars, shops or tourist businesses.
- Check the card slot and keypad for anything loose or unusual, and cover the keypad when typing your PIN.
- Take your card and cash before leaving, and keep the receipt for any disputed transaction.
- Withdraw during the day and in well-lit, busy places, and tell your bank you are traveling so your card is not blocked.
Practical Tips for Using the Best ATMs in Vietnam
- Try major bank ATMs first. They are generally preferable to independent machines. Fee-free ATMs in Vietnam are rare, and VPBank is the one most often reported.
- Check the fee before confirming. Never assume an ATM is free because another machine from the same bank was.
- Check the Vietnam ATM withdrawal limit. If it is low, try another ATM rather than making several small withdrawals.
- Decline the ATM’s exchange rate. Always choose VND.
- Check your home bank’s fees. A card with no fee from the Vietnamese bank can still be expensive if your own bank charges one.
- Withdraw larger amounts less often if your card or bank charges a fixed fee per transaction.
- Keep cash in several places and carry a mix of large and small dong notes.
Final Verdict
For tourists, the best ATMs in Vietnam are major bank machines. VPBank is generally the best bank ATM in Vietnam with no fee, since it is most consistently reported as fee-free and with a higher limit. But do not assume every machine has the same fee or limit, even at the same bank. Always check the screen before confirming. The most important ways to save are to withdraw in VND, decline Dynamic Currency Conversion, check the fee and use a card with low or no foreign ATM fees. If you make several withdrawals during a trip, these small differences add up quickly.
More Money Guides for Vietnam
If you want to carry some dong from day one, our guide to where to exchange money in Vietnam covers banks, exchange counters and airport options. For the broader picture, see our guide to cash or card in Vietnam, our guide on how much money to take to Vietnam and our Vietnam trip cost guide.
Frequently Asked Questions
Which bank has the lowest ATM fees in Vietnam?
There is no single fee that applies to every foreign card and every ATM, so ATM fees in Vietnam for foreign cards depend on the bank. VPBank is most consistently reported as fee-free for foreign cards, so it is worth trying first, but always check the fee shown on the machine before you confirm the withdrawal.
What is the Vietnam ATM withdrawal limit?
The limit depends on both the Vietnamese ATM and your home bank. Vietnamese ATMs impose a per-transaction limit that differs by bank and machine (most banks cap foreign-card withdrawals at about 2,000,000–3,000,000 VND, while VPBank is reported at up to 10,000,000 VND), and your own bank may add a separate daily limit. If the first ATM offers a low limit, try another bank’s machine rather than making several small withdrawals.
Is a VPBank ATM free for a foreign card?
Traveler guides consistently report that VPBank does not charge its own withdrawal fee on foreign cards and offers one of the higher per-transaction limits among major banks. Fees and limits can change, and your own bank may still charge a foreign transaction or out-of-network fee, so check the screen each time.
What happened to TPBank’s ATM fees?
TPBank was fee-free for foreign cards until mid-2025, but guides now report a fee of about 3.3% of the amount withdrawn. If an older guide or forum post says TPBank is free, treat it as out of date and compare it with another bank’s fee on the screen.
How much does BIDV charge for an ATM withdrawal?
BIDV usually charges about 50,000 VND per withdrawal, with a limit of about 3,000,000 VND. Fees can change, so rely on the fee shown on the ATM screen before you confirm.
Does a Vietcombank ATM charge tourists a fee on foreign cards?
A Vietcombank ATM is easy to find for tourists: the bank has one of the largest ATM networks, and guides generally report a flat fee of around 50,000 VND per withdrawal. The exact amount and limit vary, so check the screen.
Does ACB charge a fee on foreign cards?
Recent guides report that ACB ATMs charge a fee for foreign cards, about 55,000 VND in traveler reports, with a limit of around 3,000,000 VND. Always read the fee on screen.
What about Eximbank ATMs?
Traveler guides cover Eximbank less often, and its fees for foreign cards are not consistently published. Some travel cards reportedly work fee-free there, but check the fee shown before confirming.
Is it better to withdraw cash or exchange currency in Vietnam?
For many travelers, withdrawing dong from a reputable bank ATM is convenient and competitive, especially with a low-fee card. Compare the total cost with the rate and fees at exchange counters, and see our guide on where to exchange money in Vietnam.
What should I do if the ATM does not give me cash?
Take a photo of the error message, note the ATM location and the customer-service number on the machine. Contact your home bank if the ATM charged your account but gave you no cash. Keep the receipt and transaction details in case you need to dispute it.
Can I withdraw money from a VPBank ATM at the airport?
VPBank ATMs are found in major cities, and airports generally have bank ATMs, but locations change. If you need cash right after landing, check the airport’s current ATM locations or use a nearby bank ATM.
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