Vietnam is a cash heavy society. Very few places will accept card or mobile payments so during your trip you’ll be frequenting many of the country’s ATMs. With their low withdrawal limits and ATM fees as high as 55.000 VND, these charges can quickly take up a significant portion of your travel budget. Luckily we’ve got you covered for the best ATMs in Vietnam and some tips so you can maximize the amount of money your taking out while keeping the fees at a minimum.
Getting Cash At The Airport
The airport ATMs of all the major banks typically have higher limits than their counterparts in town. Whether you land in Ho Chi Minh or in Hanoi, you’ll find some ATMs on your way out of the airport which will let you take out as much as 5.000.000 VND at a time. In the case of CitiBank you can take out as much as 10.000.000 VND. Whether you feel comfortable carrying large sums of money is up to you. However once you’ve left the airport the ATM options become more limited.
Lowest ATM Fees and Withdrawal Limits
Most ATMs in Vietnam have withdrawal limits of 2.000.000 VND. In the major cities though, you’ll find ANZ, CitiBank, and HSBC ATMs which offer much higher limits. Citibank offers 8.000.000 VND while ANZ offers 10.000.000 VND. In addition if you have an account with either Citibank or ANZ then you won’t have to pay any fees.
Outside Ho Chi Minh or Hanoi it is a slightly different story. You’ll only find local ATMs here such as Vietcombank, BIDV and Agribank. Agribank has a fee of 30.000 VND when withdrawing but lets you take out 3.000.000 VND which is 1 million more than most of the other ATMs. So when travelling outside the major cities keep your eyes peeled for the Agribank ATMs because they offer the best rates and limits.
- Vietcombank ATM Fee – 50.000 VND | Withdrawal limit 2.000.000 VND
- Agribank ATM Fee – 22.000 VND | Withdrawal limit 3.000.000 VND
- BIDV ATM Fee – 30.000 VND | Withdrawal limit 2.000.000 VND
- Sacombank ATM Fee – 30.000 VND | Withdrawal limit
- Citibank ATM Fee – 55.000 VND | Withdrawal limit 5.000.000 VND – 10.000.000 VND
- ANZ ATM Fee – 40.000 VND | Withdrawal limit 5.000.000 VND – 10.000.000 VND
One thing to be careful of are hidden charges your bank may charge when withdrawing money in a foreign country. These vary from bank to bank but can be as high as $5 per transaction which will quickly add up due to the low withdrawal limits. Stay on top of these hidden charges by making sure to take out as much as you can in one go or checking with your bank if you can get a no fee card.
Have any other tips for us? Let us know in the comments below.