ATM in Vietnam Best Ones To Use: Simple Traffic Light Guide

ATM in Vietnam Best Ones To Use: Simple Traffic Light Guide

April 7, 2024 Off By TravelWW

ATMs in Vietnam – Which ones should you use? What are the best ones? Which one’s charge fees?
Below is exactly what you need when picking which ATM to use in Vietnam:

🟢Green = Go For it!
🟡Yellow = Use if no Green is available/convenient.
🔴No = Don’t bother unless you have no choice. That’s it.

🟢 VP BANK – Free to use, 5million max, rate better than 🟢
🟢TP BANK – Free to use, 5million max, rate better than

🟡MB BANK – 50,000 vnd charge (£1.60), 5 million withdrawal limit
50,000 vnd charge (£1.60), 5 million withdrawal limit
50,000 vnd charge (£1.60), 5 million withdrawal limit
22,000 vnd but can only withdraw 3million

🔴HSBC – Charge 3-3.5% of withdrawal (approx 3 times higher than the above based on 5M but would be ok if getting small amount, say under 2m) Maximum withdrawal 10-15million but would pay a lot in fees for this
🔴VIETIN BANK – charges 55,000 & you can only take out 2 million
🔴BIDV charges 3% of withdrawal

There you go! ATMs in Vietnam – the best ones to use…

*** Please note, this is from a UK couple. The card we used (which shouldn’t make any difference) was a Starling Bank, Mastercard, who we would happily recommend.

ATM in Vietnam Best Ones To Use: Simple Traffic Light Guide 1

Searching for ATM in Vietnam Best Ones To Use – We explore the different types of ATMs, the advantages of using them in Vietnam, and the best ATM options available in the country.

Whether you’re looking for convenience, lower fees, or a favorable exchange rate, we have got you covered.

Stay tuned for some useful tips on using ATMs in Vietnam to make your trip hassle-free.

Key Takeaways:

  • Convenience is a major benefit of using ATMs in Vietnam, with various options available throughout the country.
  • The top recommended ATMs in Vietnam are TP Bank & VP Bank.
  • The best of the rest include Vietcombank, MB Bank, VIB Bank, and Agri Bank.
  • The ones we wouldn’t ideally use are HSBC, VietinBank, and BIDV,
  • Other banks which exist but we had no dealings with are: Techcombank, ACB Bank, Sacombank, Maritime Bank, and SeABank.
  • When using ATMs in Vietnam, be mindful of fees, potential fraud, and the importance of notifying your bank before traveling. Always withdraw in the local currency for the best exchange rate.

What Is an ATM?

In Vietnam, ATMs (Automated Teller Machines) are widely available electronic banking outlets that allow customers to conduct financial transactions conveniently. These machines provide access to various banking services without the need for human tellers.

By offering services such as cash withdrawals, deposits, fund transfers, and balance inquiries, ATMs have become an essential part of the modern banking infrastructure. The convenience and accessibility of ATMs have revolutionized the way people manage their finances, providing round-the-clock access to banking services.

ATMs play a crucial role in expanding financial inclusion by enabling individuals in remote areas to access banking services easily. The widespread presence of ATMs in Vietnam has significantly improved accessibility to financial services, allowing customers to perform transactions quickly and securely.

What Are the Types of ATMs?

Regarding ATMs in Vietnam, there are multiple types available that cater to different banking needs and preferences. Understanding these variations can help users choose the most suitable ATM for their transactions.

TPBank, Revolut, Wise, and Saigon Commercial Bank are some of the prominent institutions offering ATMs across Vietnam. TPBank ATMs support multiple currencies, making them convenient for international travelers.

On the other hand, Revolut ATMs are known for their low fees and seamless transactions. Wise ATMs provide users with competitive exchange rates and quick withdrawals, while Saigon Commercial Bank ATMs are widely spread across the country, offering easy access to cash for locals and tourists alike.

What Are the Benefits of Using ATMs in Vietnam?

Using ATMs in Vietnam offers several advantages, including convenience, lower fees compared to traditional currency exchange services, and access to real-time exchange rates for various currencies like US dollars, Euro, British Pound, Japanese Yen, and more.

With the widespread network of ATMs in Vietnam, travelers can easily withdraw cash in local currency, allowing for seamless transactions without the hassle of exchanging money beforehand. ATMs provide a cost-effective way to obtain Vietnamese Dong, saving visitors from higher fees typically charged at currency exchange counters.

The transparency of exchange rates displayed during ATM transactions ensures that users receive fair and up-to-date conversion rates, enableing them to make informed decisions while managing their finances on the go.


One of the primary benefits of using ATMs in Vietnam is the convenience they offer. Whether you are a local resident or a traveler, ATMs provide easy access to banking services at various locations throughout the country.

ATMs in Vietnam are available round the clock, making it incredibly convenient for individuals to withdraw cash or perform transactions at any time of the day or night. This accessibility factor is especially valuable for tourists who might need local currency outside of typical banking hours.

The ease of transactions at these ATMs further enhances the overall convenience, with many machines supporting multiple languages to cater to the diverse clientele in Vietnam.

Lower Fees

Another significant advantage of using ATMs in Vietnam is the lower fees associated with transactions. Compared to traditional currency exchange services, ATMs often offer more cost-effective options for obtaining local currency or foreign exchange.

ATMs in Vietnam typically have transparent fee structures, with many banks offering fee-free transactions for their account holders at affiliated ATMs. This can result in substantial savings for users, especially frequent travelers or expats who need to access cash regularly.

Exchange Rate

ATMs in Vietnam provide access to real-time exchange rates for a wide range of currencies, allowing users to make informed decisions when withdrawing cash in foreign denominations like Chinese Yuan, Swiss Franc, Australian Dollar, and more.

Having the ability to check exchange rates directly at ATMs offers a level of transparency and convenience that is invaluable to travelers.

Conversion accuracy is another critical aspect to consider; the rates provided by these machines can vary slightly compared to what you might find at banks or currency exchange booths.

Familiarizing yourself with the factors influencing exchange rates can help users understand the fluctuations they may encounter when using Vietnamese ATMs.

What Are the Best ATMs in Vietnam?

Regarding selecting the best ATMs in Vietnam, several banks stand out for their reliability, accessibility, and currency options. Choosing the right ATM can enhance your banking experience and minimize transaction costs.

Among the top choices in Vietnam, banks such as TP Bank, VP Bank, Vietcombank, Techcombank, and ACB have gained a strong reputation for their extensive network of ATMs and exceptional service quality.


Vietcombank is one of the top choices for ATM services in Vietnam, known for its extensive ATM network, reliable transactions, and support for multiple currencies, making it a preferred option for both locals and international visitors.

With a widespread network of ATM machines strategically located across the country, Vietcombank ensures convenient access for customers, whether in bustling urban centers or remote rural areas. The extensive coverage of Vietcombank’s ATMs means that users can easily find a machine when needed, offering a seamless banking experience.

The ATMs support various currencies, including major international ones , allowing travelers to withdraw cash in their preferred currency without the hassle of currency conversion. This feature makes Vietcombank ATMs highly suitable for tourists visiting Vietnam, enhancing their overall travel experience.


VietinBank is a prominent banking institution in Vietnam that offers convenient ATM services to customers. With a strong presence across the country, VietinBank ATMs provide reliable cash withdrawal and currency exchange options.

Along with basic transactions, VietinBank ATMs offer a range of services, including bill payments, fund transfers, and balance inquiries, making them a one-stop solution for various banking needs. The user-friendly interface and multilingual options cater to both local residents and international travelers, ensuring ease of use for all customers.


BIDV is a trusted banking partner in Vietnam, offering a range of ATM services to meet customers’ financial needs. With a commitment to service excellence, BIDV ATMs ensure seamless transactions and currency exchange facilities.

The advanced technology integrated into BIDV ATMs enhances security measures, providing customers with peace of mind while conducting their banking transactions. The user-friendly interface of BIDV ATMs makes it easy for customers to navigate through various options swiftly, ensuring a convenient and efficient banking experience.


Techcombank is a leading bank in Vietnam known for its innovative ATM services and customer-centric approach. Techcombank ATMs offer advanced features, secure transactions, and support for various currencies, making them a preferred choice for modern banking needs.

One of the standout features of Techcombank ATMs is their top-notch security measures, ensuring that customers’ transactions are safe and protected from any unauthorized access. These ATMs provide customers with the convenience of withdrawing cash in different currency options, catering to both local and international clients. The user-friendly interface of Techcombank ATMs simplifies the banking experience for users of all tech proficiency levels, making it accessible and efficient for everyone.

❓ACB Bank

ACB Bank is a reliable financial institution in Vietnam that offers convenient ATM services to its customers.

Ensuring customer convenience is a top priority for ACB Bank, as its ATMs are strategically located in major cities and tourist areas across Vietnam, making it easy for customers to access their services. With quick transaction speeds, customers can complete their cash withdrawals or currency exchanges efficiently, saving precious time.

ACB Bank ATMs also provide a range of currency options, allowing customers to withdraw money in various denominations, catering to both local residents and international travelers. This flexibility sets ACB Bank apart, ensuring that customers can access the funds they need in the form they prefer.


Sacombank is a reputable banking institution in Vietnam that offers a wide range of ATM services to cater to diverse customer needs. With a strong network presence and reliable transactions, Sacombank ATMs ensure seamless banking experiences for users.

The extensive network coverage of Sacombank ATMs spans across numerous locations in Vietnam, making it convenient for customers to access banking services wherever they are. The reliability of transactions at Sacombank ATMs gives peace of mind to users, ensuring that their transactions are processed efficiently and securely. Moreover, currency exchange options available at Sacombank ATMs provide added convenience for travelers and those needing foreign currency.


TPBank is a progressive banking institution in Vietnam that emphasizes digital innovation and customer service. TPBank ATMs are equipped with cutting-edge technology, ensuring secure transactions and convenient banking solutions for users.

These state-of-the-art ATMs have revolutionized the banking experience by offering a plethora of advanced features. Customers can perform a wide range of transactions seamlessly, from cash withdrawals to fund transfers, all at their fingertips. The integration of biometric authentication and encrypted communication channels enhances transaction security, providing users with peace of mind while conducting financial activities.

TPBank ATMs support multiple currencies, catering to the diverse needs of both locals and international visitors. This customer-centric approach exemplifies TPBank’s commitment to delivering personalized and efficient banking services. Through continuous technological advancements, TPBank sets a high standard in the realm of modern banking, setting itself apart as a trailblazer in the industry.

❓Maritime Bank

Maritime Bank is a trusted financial institution in Vietnam that offers reliable ATM services to its customers. With a focus on financial accessibility and service excellence, Maritime Bank ATMs provide seamless transactions and currency exchange facilities.

These ATMs are designed to meet the diverse needs of customers, offering a user-friendly interface and a range of accessibility features such as braille keypads and audio assistance for visually impaired individuals. Customers can enjoy the convenience of round-the-clock access to their accounts, enabling them to withdraw cash, transfer funds, check balances, and even pay bills effortlessly. The ATMs support multiple languages, making transactions more convenient for international visitors or customers with language preferences, enhancing the overall customer experience.


SeABank is a leading banking institution in Vietnam that offers a range of ATM services to meet customers’ financial needs. With a commitment to customer satisfaction, SeABank ATMs ensure convenient transactions and reliable currency exchange options.

SeABank has strategically placed its ATMs in easily accessible locations, such as shopping centers, airports, and urban areas, to provide customers with quick and hassle-free access to their funds. The user-friendly interface of SeABank ATMs makes transactions effortless, whether customers are withdrawing cash, checking their balance, or transferring money between accounts.

SeABank prioritizes security by employing state-of-the-art technology to safeguard customers’ personal and financial information during transactions. With encryption and advanced security measures in place, customers can have peace of mind knowing that their transactions are protected.


VPBank is a reputable banking partner in Vietnam that offers comprehensive ATM services to its customers. With a focus on financial innovation and user experience, VPBank ATMs provide efficient transactions and diverse currency exchange facilities.

These state-of-the-art ATMs are equipped with cutting-edge technology, ensuring secure and convenient banking experiences for customers. Whether you need to withdraw cash, check your balance, or transfer funds, VPBank ATMs offer a seamless process with user-friendly interfaces.

One of the standout features of VPBank ATMs is their currency flexibility, allowing customers to easily exchange various currencies without hassle. This service caters to both local Vietnamese customers and international travelers seeking currency exchange services.

What Are the Tips for Using ATMs in Vietnam?

To make the most of ATM services in Vietnam, it is essential to follow certain tips and guidelines for secure and convenient transactions. By being aware of these recommendations, users can enhance their banking experience and avoid potential pitfalls.

One crucial aspect to keep in mind when using ATMs in Vietnam is to be aware of the fees associated with each transaction. Different banks may have varying fee structures, so it is advisable to choose an ATM that aligns with your bank to minimize extra charges.

It is wise to inform your bank about your travel plans before departing to prevent any interruptions in accessing your funds. Staying vigilant when entering your PIN and covering the keypad with your hand can help prevent potential fraud incidents.

Check for ATM Fees

When using ATMs in Vietnam, it is crucial to check for any applicable fees or charges associated with cash withdrawals or currency exchange.

Various banks and ATMs in Vietnam implement different fee structures, such as fixed fees per transaction or a percentage of the amount withdrawn.

Some machines may also charge additional fees for foreign card usage or currency conversion, so it’s important to read the on-screen prompts carefully.

To minimize costs, consider withdrawing larger amounts less frequently to reduce the number of transactions and associated fees.

Use ATMs in Banks

To ensure secure transactions and reliable services, it is advisable to use ATMs located within banks or reputable financial institutions in Vietnam.

These ATMs are often monitored, well-maintained, and offer additional security features for user protection.

One of the significant benefits of utilizing ATMs within banks in Vietnam is the heightened level of security they provide. With constant monitoring and regular maintenance, these ATMs are less prone to tampering or unauthorized access, ensuring that your transactions remain secure and protected.

The additional security features offered by these ATMs, such as transaction encryption and card authentication procedures, further enhance the safety of your banking activities.

Be Aware of Fraud

Fraudulent activities can pose a risk to ATM users in Vietnam, making it essential to stay vigilant and informed about common fraud schemes. By being cautious and proactive, individuals can protect their financial information and prevent unauthorized access to their accounts.

One of the most prevalent scams targeting ATM users in Vietnam involves card skimming, where fraudsters install devices to secretly capture card details. To safeguard against this, it’s recommended to inspect the ATM thoroughly before use, checking for any suspicious attachments or hidden cameras.

Notify Your Bank Before Traveling

Before traveling to Vietnam, it is advisable to notify your bank or financial institution about your trip to prevent any interruptions in ATM services or card transactions. Informing your bank in advance can help avoid potential security blocks or restrictions on your account.

By informing your bank about your travel plans, you ensure that they are aware of your international activity, reducing the likelihood of any unexpected card denials or account freezes while you are in Vietnam. This simple step can provide you with peace of mind and ensure uninterrupted access to your funds throughout your journey.

Banks often have sophisticated security protocols in place to monitor unusual transactions, and notifying them in advance helps them distinguish between legitimate activities and potential fraud, safeguarding your financial transactions.

Keeping your bank informed allows them to provide assistance if your card is lost or stolen during your trip, ensuring you have access to emergency funds and ensuring continuity of banking services even in unforeseen circumstances.

Use Local Currency

When withdrawing cash from ATMs in Vietnam, it is recommended to opt for transactions in the local currency (Vietnamese Dong) to avoid unfavorable exchange rates or additional conversion fees. Using local currency can streamline transactions and minimize financial losses for users.

By utilizing Vietnamese Dong, travelers can save on extra charges that may arise from currency conversions. Choosing the local currency ensures that you are aware of the exact amount you are withdrawing without any hidden fees.

This can lead to a more efficient and cost-effective ATM experience while exploring Vietnam. Understanding the current exchange rates and withdrawing in Vietnamese Dong can provide a transparent and straightforward way to manage your financial transactions during your travels.

Frequently Asked Questions

What are the best ATM options in Vietnam?

The top ATM options in Vietnam that won’t cost visitors fees include TP Bank & VP Bank. These are our top 2 picks. See the traffic lights above for the others we would use as a backup.

Can I use my foreign debit or credit card at ATMs in Vietnam?

Yes, most major international cards such as Visa, Mastercard, and American Express are accepted at ATMs in Vietnam. However, it’s always a good idea to inform your bank about your travels beforehand to avoid any issues.

Are there any fees for using ATMs in Vietnam?

Yes, there may be fees associated with using ATMs in Vietnam. These fees vary depending on your bank and the ATM you use. It’s best to check with your bank beforehand to avoid any surprises. See the traffic light system above for more info.

Is it safe to use ATMs in Vietnam?

Yes, but use common sense! – Overall, using ATMs in Vietnam is considered safe. However, it’s always a good idea to be cautious and aware of your surroundings when withdrawing money. Choose ATMs located in well-lit and busy areas, and cover your pin when entering it.

What is the currency exchange rate at ATMs in Vietnam?

The currency exchange rate at ATMs in Vietnam is generally competitive. However, it’s always a good idea to check the current exchange rates and compare them with your bank’s rates to ensure you’re getting the best deal. We use to check rates for all our travels.

Are there any tips for using ATMs in Vietnam?

When using ATMs in Vietnam, it’s important to always keep your card in sight and check for any signs of tampering on the machine. Additionally, make sure to take your cash and card after completing a transaction, and always keep your receipts for record-keeping purposes.