I visit Vietnam occasionally.

Something that strikes me is how very restrictive and imposing the ATM's are. Many of them seem to have a withdrawal limit of 3000000 VND which is only about 110 USD. Also, the one I checked today (BVID bank) added another 3% withdrawal fee plus additional charges which really adds up.

I am prepared to go inside a bank and do the withdrawal manually if required and someone told me the withdrawal limit is higher if I do that.

So the question is, which bank charges less fees for withdrawals? There is a plethora of local banks in Vietnam and I am looking for the best one for this withdrawal from a Mastercard.

  • 2
    Which part in Vietnam? At least in HCMC the acceptance of credit cards is pretty high and you don’t need to carry a lot of cash. I withdrew 3M to stay 14 days but didn’t even use 1M.
    – Blaszard
    Jul 30, 2017 at 13:26
  • Today I am up North in relatively small town. I don't have any credit cards, I am talking about a Mastercard debit card.
    – Vesa
    Jul 31, 2017 at 9:18
  • 1
    @Vesa which town are you heading? Most of town in Vietnam has one or two ATM which accepts VISA, Master, JCB. I don't see any different between a credit card and a debit card, all POS treat them equally. Anyway, going to the bank won't help, they only allow the withdrawal of their customers only.
    – Danh
    Aug 1, 2017 at 0:09
  • 1
    Anyway, adding a fee to card holders of other banks is also a common practice in other country, right?
    – Danh
    Aug 1, 2017 at 0:12
  • Your information is inaccurate. Going inside the bank sometimes allows for higher withdrawal limits.
    – Vesa
    Aug 1, 2017 at 4:03

2 Answers 2


The best bet it to go to the bank which issued your card. If there is one. The most common one that I used in Vietnam was Citi.

Withdrawing cash advances from Mastercard is also possible at some ATM, which I also needed to try several until I founds ones that worked. Most of them did not take more than a small nominal fee when compared to how much my home bank charged ($5 USD + 1.5% + Immediate interest). Vietcombank worked reliably enough for me to use them more than once. Another one was ACB, check them out too. Many ATMs have an associated bank which have relatively short hours, so check with them to know the in-branch limit.


If you're in a city there are many many ATMs for you to try them out. Some may not work while others will.

Usually, the fee is fixed (or so it was for me) per session of withdrawal. When there are extra fee, it's usually written and I tried avoiding those when possible (often easy because there are plenty ATMs around).

As the fee per withdrawal is fixed, you may want to withdraw as much as possible in one single time (with the small extra risk of carrying more money around).

It's good to know that the maximum amount withdraw-able varies between ATMS. So if you don't mind carrying more money at once, try as many as possible until you find the best ATM that suits you. If I recall correctly, the max I found was 8 million VND at once, while most only gave up to 1-2 million VND.

EDIT: You may also want to take with you some extra cards, like a VISA one, just in case.

Lastly, some extra cash may be useful as dollars/euros are sometimes directly accepted or you can find places in town to convert them to VND.

EDIT: For instance I often withdrew here, Citibank on street Lê Thánh Tôn. Thanks to Google Map and his pictures to allow me to answer this more accurately.


citibank ATM

ACB usually worked well as well as Itai mentioned.

While I still believe your best shot is to try many, as sometimes, they're out of cash anyway. Techombank worked for me as well.

  • @MatasVaitkevicius Updated my answer.
    – jeromej
    Mar 29, 2018 at 13:08

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