{"id":41937,"date":"2026-09-12T10:48:45","date_gmt":"2026-09-12T08:48:45","guid":{"rendered":"https:\/\/povnomad.com\/?p=41937"},"modified":"2026-09-12T10:48:45","modified_gmt":"2026-09-12T08:48:45","slug":"atm-fees-vietnam","status":"publish","type":"post","link":"https:\/\/povnomad.com\/en\/atm-fees-vietnam\/","title":{"rendered":"ATM Fees in Vietnam: VP Bank Charges Nothing, the Airport Costs More"},"content":{"rendered":"<p>Vietnam has the widest scatter of any country in our dataset. Some banks charge foreign cards <strong>nothing<\/strong>, others take percentage fees above four percent \u2014 and the same operator charges more at the airport than in the city. On top of that comes an annoyance travellers often only notice back home: several machines never display the fee at all.<\/p>\n<h2>The fee-free banks<\/h2>\n<table>\n<thead>\n<tr>\n<th>Bank<\/th>\n<th>Fee<\/th>\n<th>Max per withdrawal<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>VP Bank<\/strong> \u2713\u2713<\/td>\n<td><strong>\u20ab0<\/strong> for many foreign cards<\/td>\n<td>\u20ab2 \u2013 20 million<\/td>\n<\/tr>\n<tr>\n<td><strong>Eximbank<\/strong> \u2713<\/td>\n<td>\u20ab0<\/td>\n<td>\u20ab3 \u2013 5 million<\/td>\n<\/tr>\n<tr>\n<td><strong>Kienlong Bank<\/strong> \u2713<\/td>\n<td>\u20ab0<\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<tr>\n<td>OCB Bank \u2713<\/td>\n<td>\u20ab0 or \u20ab30,000, by card type<\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<tr>\n<td>MB Bank \u2713<\/td>\n<td>\u20ab0 for selected cards only, otherwise \u20ab167,000<\/td>\n<td>\u20ab3 \u2013 5 million<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>As of 12 September 2026. <strong>\u2713\u2713 = confirmed by two independent sources<\/strong> \u00b7 <strong>\u2713 = single source so far<\/strong> (POVNOMAD fee dataset based on ATM Fee Saver, as of 1 September 2026). Independent guides consistently name VP Bank as fee-free and highlight its high limit. The figure shown on the ATM screen is what applies.<\/small><\/p>\n<p><strong>VP Bank is the clear recommendation.<\/strong> It is the only fee-free bank a second source confirms, and with up to 20 million dong it has by far the highest limit \u2014 around six times most others. In a country with percentage-based fees, that is doubly valuable.<\/p>\n<h3>Three banks wrongly believed to be free<\/h3>\n<p>Summary listings regularly show banks as free that are not free for ordinary foreign cards. The detailed data says otherwise:<\/p>\n<ul>\n<li><strong>Techcombank:<\/strong> \u20ab0 for JCB cards only. Every other foreign card pays \u20ab66,000.<\/li>\n<li><strong>HD Bank:<\/strong> 0 percent only for certain UCB cards. Most foreign cards pay 4.5 to 4.95 percent.<\/li>\n<li><strong>HSBC:<\/strong> \u20ab0 only for a few European Visa debit cards. Otherwise \u20ab50,000 to 200,000, depending on issuing country and amount.<\/li>\n<\/ul>\n<p>With a standard Visa or Mastercard you land in the paying group at all three.<\/p>\n<h2>The expensive machines<\/h2>\n<table>\n<thead>\n<tr>\n<th>Bank<\/th>\n<th>Fee per our dataset<\/th>\n<th>Max per withdrawal<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Agribank<\/td>\n<td>\u20ab220,000 <em>(disputed, see below)<\/em><\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<tr>\n<td>ACB<\/td>\n<td>4.4 % or minimum \u20ab100,000 <em>(disputed)<\/em><\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<tr>\n<td>BIDV<\/td>\n<td>5.5 % at airports, 4.4 % elsewhere <em>(disputed)<\/em><\/td>\n<td>\u20ab5 \u2013 9 million<\/td>\n<\/tr>\n<tr>\n<td>Sacombank<\/td>\n<td>\u20ab50,000 or 8 %<\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<tr>\n<td><strong>TP Bank<\/strong> \u2713\u2713<\/td>\n<td>\u20ab55,000 below \u20ab5 million, above that <strong>3.3 %<\/strong><\/td>\n<td>\u20ab10 million<\/td>\n<\/tr>\n<tr>\n<td>Vietinbank<\/td>\n<td>\u20ab50,000 for a few EU cards, otherwise 4 %<\/td>\n<td>\u20ab2 million<\/td>\n<\/tr>\n<tr>\n<td>Vietcombank, VIB, Shinhan<\/td>\n<td>\u20ab50,000 \u2713\u2713<\/td>\n<td>\u20ab3 \u2013 10 million<\/td>\n<\/tr>\n<tr>\n<td>Saigon Commercial<\/td>\n<td>\u20ab55,000<\/td>\n<td>\u20ab3 million<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>As of 12 September 2026. Several banks add 10 percent VAT on top of the fee. <strong>\u2713\u2713<\/strong> = supported by a second source: the common range of \u20ab22,000 to 66,000 and TP Bank&#8217;s 3.3 percent were independently confirmed on 12 September 2026.<\/small><\/p>\n<h3>Where the sources disagree<\/h3>\n<p>At three banks our data diverges sharply from independent reports, and we cannot resolve it:<\/p>\n<ul>\n<li><strong>Agribank:<\/strong> our dataset says \u20ab220,000, the second source around \u20ab132,000.<\/li>\n<li><strong>BIDV:<\/strong> our dataset gives a percentage (4.4 to 5.5), the second source a flat charge of around \u20ab110,000 at the airport.<\/li>\n<li><strong>ACB:<\/strong> our dataset says 4.4 percent with a minimum, while one independent source lists ACB as fee-free.<\/li>\n<\/ul>\n<p>We therefore flag those values as disputed. What is consistent: <strong>all three are among the more expensive machines<\/strong>, and at that level it is worth finding a VP Bank branch instead.<\/p>\n<h2>The airport costs more than the city<\/h2>\n<p>A detail documented nowhere else: BIDV applies a higher rate at airports than elsewhere in the country \u2014 5.5 rather than 4.4 percent per our dataset, with a higher minimum. The second source likewise describes a premium at airport machines.<\/p>\n<p>That hits exactly the moment after a long-haul flight: you land in Hanoi or Ho Chi Minh City, need cash for a taxi, and take the nearest machine.<\/p>\n<p><strong>The practical advice:<\/strong> at the airport withdraw only the small amount you need to get into the city, and the rest the next day at a VP Bank. Or book the ride through an app and pay cashlessly, in which case you need nothing at the airport at all.<\/p>\n<h2>The fee that is not displayed<\/h2>\n<p>For MB Bank and TP Bank our dataset explicitly notes that the machine may not show the fee on screen. You only learn it from your statement.<\/p>\n<p>Unwelcome but manageable: <strong>print the receipt<\/strong> and check the posting in your banking app afterwards. If it differs, you know which machine to avoid next time.<\/p>\n<h2>Low limits make flat fees hurt twice<\/h2>\n<p>Most Vietnamese machines dispense at most three million dong per transaction, roughly \u20ac110 or $120. On a flat \u20ab50,000 fee that is about 1.7 percent \u2014 at a two million limit it is 2.5.<\/p>\n<p>So in Vietnam the limit matters as much as the fee. VP Bank at up to 20 million and TP Bank and HSBC at ten million are the outliers upwards, though payouts everywhere depend on the machine&#8217;s cash.<\/p>\n<h2>What your own bank adds<\/h2>\n<p>The dong figures and percentages above are the Vietnamese operator&#8217;s charge and apply whoever issued your card. On top, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal.<\/p>\n<p>We deliberately name no individual issuer&#8217;s terms; they change often, and only your bank can confirm them. And as everywhere: if the machine offers to bill you in your home currency, decline. The explanation is in <a href=\"https:\/\/povnomad.com\/en\/atm-with-or-without-conversion\/\">With or without conversion?<\/a> \u2014 the ATM screens are reproduced there.<\/p>\n<h2>Why you want a signal at the machine<\/h2>\n<p>Two things come together in Vietnam. Many banks now require approval through a push notification in their app for withdrawals abroad \u2014 with no data connection the card is declined. And because some machines do not display the fee, checking your account straight afterwards is the only control you have.<\/p>\n<p>A <a href=\"https:\/\/povnomad.com\/en\/produkt\/vietnam-esim\/\">Vietnam eSIM from POVNOMAD<\/a> starts at \u20ac1.90. Install it at home by QR code; validity starts when it first connects in Vietnam \u2014 in practice as you step off the plane, in time for the taxi app. Unlimited plans include tethering at no extra cost up to the daily allowance, after which the connection continues at 1 Mbit\/s. How we compare with other providers is in our <a href=\"https:\/\/povnomad.com\/en\/vietnam-esim-provider-comparison\/\">Vietnam eSIM comparison<\/a>.<\/p>\n<h2>Frequently asked questions<\/h2>\n<div class=\"pnm-faq\">\n<h3>Where can I withdraw cash without fees in Vietnam?<\/h3>\n<p>At VP Bank. It is the only fee-free bank confirmed by independent sources, and with up to 20 million dong it allows the highest limit in the country. Our dataset also lists Eximbank and Kienlong Bank at \u20ab0, both from a single source so far. Techcombank, HD Bank and HSBC are often wrongly described as free: they are free only for particular card types, not for standard Visa or Mastercard.<\/p>\n<h3>How much does it cost to withdraw cash in Vietnam?<\/h3>\n<p>At most banks \u20ab50,000 to 66,000 per withdrawal, roughly \u20ac2 to \u20ac2.50. Some charge a percentage: TP Bank 3.3 percent above five million dong, Vietinbank 4 percent for most foreign cards, Sacombank up to 8 percent. Many add 10 percent VAT on the fee. VP Bank is free. As of 12 September 2026.<\/p>\n<h3>Is withdrawing cash at a Vietnamese airport more expensive?<\/h3>\n<p>At BIDV, yes: our dataset gives 5.5 percent at airports against 4.4 percent elsewhere, each with a minimum. Independent reports also describe a premium at airport machines. Withdraw only what you need to get into the city, and the rest later at a VP Bank.<\/p>\n<h3>Why doesn&#8217;t the ATM in Vietnam show the fee?<\/h3>\n<p>For MB Bank and TP Bank it is documented that the fee may not appear on screen. You only see it on your statement. Print the receipt and check the posting in your banking app afterwards. At other banks the fee is displayed normally before you confirm.<\/p>\n<h3>How much can I withdraw at once in Vietnam?<\/h3>\n<p>Usually three million dong, around \u20ac110. Vietinbank caps at two million. Considerably more is available at VP Bank with up to 20 million and at TP Bank and HSBC with ten million. Actual payouts everywhere depend on how much cash the machine holds.<\/p>\n<h3>Which bank is most expensive in Vietnam?<\/h3>\n<p>Per our dataset Agribank at \u20ab220,000, followed by ACB and BIDV with percentage rates. Independent reports contradict the exact figures for all three, which is why we flag them as disputed. What is consistent is that all three belong to the expensive group. Sacombank charges up to 8 percent for some cards.<\/p>\n<h3>Do I need cash in Vietnam?<\/h3>\n<p>Yes, especially outside the major cities. In Hanoi and Ho Chi Minh City card and QR payments work well in hotels, chains and larger restaurants. Street food, markets, small caf\u00e9s, entry fees and many taxis remain cash. Because limits are low, plan for two withdrawals rather than one large one.<\/p>\n<h3>Will my debit card work in Vietnam?<\/h3>\n<p>Yes, provided it carries Visa, Mastercard or Maestro and your bank has enabled withdrawals outside your home region. A credit card is the more reliable backup. Check in your online banking before you travel that international use is switched on.\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vietnam has the widest scatter of any country in our dataset. Some banks charge foreign cards nothing, others take percentage fees above four percent \u2014 and the same operator charges more at the airport than in the city. On top of that comes an annoyance travellers often only notice back home: several machines never display the fee at all. The fee-free banks Bank Fee Max per withdrawal VP Bank \u2713\u2713 \u20ab0 for many foreign cards \u20ab2 \u2013 20 million Eximbank \u2713 \u20ab0 \u20ab3 \u2013 5 million Kienlong Bank \u2713 \u20ab0 \u20ab3 million OCB Bank \u2713 \u20ab0 or \u20ab30,000, by card type \u20ab3 million MB Bank \u2713 \u20ab0 for selected cards only, otherwise \u20ab167,000 \u20ab3 \u2013 5 million As of 12 September 2026. \u2713\u2713 = confirmed by two independent sources \u00b7 \u2713 = single source so far (POVNOMAD fee dataset based on ATM Fee Saver, as of 1 September 2026). Independent guides consistently name VP Bank as fee-free and highlight its high limit. The figure shown on the ATM screen is what applies. VP Bank is the clear recommendation. It is the only fee-free bank a second source confirms, and with up to 20 million dong it has by far the highest limit \u2014 around six times most others. In a country with percentage-based fees, that is doubly valuable. Three banks wrongly believed to be free Summary listings regularly show banks as free that are not free for ordinary foreign cards. The detailed data says otherwise: Techcombank: \u20ab0 for JCB cards only. Every other foreign card pays \u20ab66,000. HD Bank: 0 percent only for certain UCB cards. Most foreign cards pay 4.5 to 4.95 percent. HSBC: \u20ab0 only for a few European Visa debit cards. Otherwise \u20ab50,000 to 200,000, depending on issuing country and amount. With a standard Visa or Mastercard you land in the paying group at all three. The expensive machines Bank Fee per our dataset Max per withdrawal Agribank \u20ab220,000 (disputed, see below) \u20ab3 million ACB 4.4 % or minimum \u20ab100,000 (disputed) \u20ab3 million BIDV 5.5 % at airports, 4.4 % elsewhere (disputed) \u20ab5 \u2013 9 million Sacombank \u20ab50,000 or 8 % \u20ab3 million TP Bank \u2713\u2713 \u20ab55,000 below \u20ab5 million, above that 3.3 % \u20ab10 million Vietinbank \u20ab50,000 for a few EU cards, otherwise 4 % \u20ab2 million Vietcombank, VIB, Shinhan \u20ab50,000 \u2713\u2713 \u20ab3 \u2013 10 million Saigon Commercial \u20ab55,000 \u20ab3 million As of 12 September 2026. Several banks add 10 percent VAT on top of the fee. \u2713\u2713 = supported by a second source: the common range of \u20ab22,000 to 66,000 and TP Bank&#8217;s 3.3 percent were independently confirmed on 12 September 2026. Where the sources disagree At three banks our data diverges sharply from independent reports, and we cannot resolve it: Agribank: our dataset says \u20ab220,000, the second source around \u20ab132,000. BIDV: our dataset gives a percentage (4.4 to 5.5), the second source a flat charge of around \u20ab110,000 at the airport. ACB: our dataset says 4.4 percent with a minimum, while one independent source lists ACB as fee-free. We therefore flag those values as disputed. What is consistent: all three are among the more expensive machines, and at that level it is worth finding a VP Bank branch instead. The airport costs more than the city A detail documented nowhere else: BIDV applies a higher rate at airports than elsewhere in the country \u2014 5.5 rather than 4.4 percent per our dataset, with a higher minimum. The second source likewise describes a premium at airport machines. That hits exactly the moment after a long-haul flight: you land in Hanoi or Ho Chi Minh City, need cash for a taxi, and take the nearest machine. The practical advice: at the airport withdraw only the small amount you need to get into the city, and the rest the next day at a VP Bank. Or book the ride through an app and pay cashlessly, in which case you need nothing at the airport at all. The fee that is not displayed For MB Bank and TP Bank our dataset explicitly notes that the machine may not show the fee on screen. You only learn it from your statement. Unwelcome but manageable: print the receipt and check the posting in your banking app afterwards. If it differs, you know which machine to avoid next time. Low limits make flat fees hurt twice Most Vietnamese machines dispense at most three million dong per transaction, roughly \u20ac110 or $120. On a flat \u20ab50,000 fee that is about 1.7 percent \u2014 at a two million limit it is 2.5. So in Vietnam the limit matters as much as the fee. VP Bank at up to 20 million and TP Bank and HSBC at ten million are the outliers upwards, though payouts everywhere depend on the machine&#8217;s cash. What your own bank adds The dong figures and percentages above are the Vietnamese operator&#8217;s charge and apply whoever issued your card. On top, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal. We deliberately name no individual issuer&#8217;s terms; they change often, and only your bank can confirm them. And as everywhere: if the machine offers to bill you in your home currency, decline. The explanation is in With or without conversion? \u2014 the ATM screens are reproduced there. Why you want a signal at the machine Two things come together in Vietnam. Many banks now require approval through a push notification in their app for withdrawals abroad \u2014 with no data connection the card is declined. And because some machines do not display the fee, checking your account straight afterwards is the only control you have. A Vietnam eSIM from POVNOMAD starts at \u20ac1.90. Install it at home by QR code; validity starts when it first connects in Vietnam \u2014 in practice as you step off the plane, in time for the taxi app. Unlimited plans include tethering at no extra cost up to the daily allowance, after<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2940],"tags":[],"class_list":["post-41937","post","type-post","status-publish","format-standard","hentry","category-sim-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ATM Fees Vietnam: Which Bank Is Free - POVNOMAD - Your Travel Companion<\/title>\n<meta name=\"description\" content=\"VP Bank withdrawals are free in Vietnam while other banks take up to 8 percent. 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