Which bank is best for tourists in Vietnam?

Q: Which bank is best for tourists in Vietnam?

The best bank for tourists in vietnam is VPBank or TPBank for fee-free cash withdrawals. Standard transaction fees reach 50,000 VND at alternative bank terminals. Current regulations mandate zero hidden fees for international travelers using these specific available networks. | Bank | Fee (VND) | Limit (VND) | | :--- | :--- | :--- | | VPBank | 0 | 5,000,000 | | TPBank | 0 | 3,000,000 |

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The best bank for tourists in vietnam is VPBank or TPBank for fee-free cash withdrawals. Standard transaction fees reach 50,000 VND at alternative bank terminals. Current regulations mandate zero hidden fees for international travelers using these specific available networks.

Bank	Fee (VND)	Limit (VND)
VPBank	0	5,000,000
TPBank	0	3,000,000

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Best bank for tourists in Vietnam: 0 VND vs 50,000 VND fees

Finding the best bank for tourists in vietnam ensures travelers avoid excessive charges while managing travel funds across the country. Using specific local ATMs prevents unnecessary costs and provides competitive exchange rates for international cardholders. Review these options to protect your budget during your trip.

Frequently Asked Questions

Top 5 Banks for Tourists in Vietnam (2026)

Based on current fee structures, withdrawal limits, and network availability, here are the best options for tourists.

VPBank (⭐ Best for Fee-Free)

- Up to 10,000,000 VND per transaction (some ATMs allow up to 20,000,000 VND), with daily totals often higher depending on your card issuer and machine.(reference:0) ^[6]

- Good in major cities, but fewer ATMs than Vietcombank or Agribank.

- Maximizing cash withdrawals without paying local fees. Ideal for travelers with a fee-free international card.

- Free. VPBank does not charge a fee for foreign card withdrawals.(reference:1)(reference:2) ^[1]

TPBank

- Free withdrawals up to 5,000,000 VND per transaction, with no strict daily cap from TPBank (your card issuer may have limits).(reference:3) ^[2]

- Decent network, especially in larger cities. Known for 'LiveBank' ATMs.

- Travelers who prefer modern, tech-forward banks and want to avoid fees for smaller withdrawals.

- Free for withdrawals up to 5,000,000 VND.(reference:4)

Vietcombank

- Up to 5,000,000 VND per transaction; daily limits depend on your card issuer rather than Vietcombank.(reference:5) ^[3]

- Extensive. Vietcombank has the largest ATM network in the country, found everywhere from airports to remote towns.(reference:7)

- Travelers needing large sums of cash quickly and who prioritize a huge, reliable network.

- Approximately 50,000 VND per transaction for foreign cards. Additionally, international transaction fees may be charged by your home bank.(reference:6) ^[4]

MB Bank (MBBank)

- Up to 5,000,000 VND per transaction.(reference:8)

- Widely available. The ATMs are known for dispensing smaller bills, which is very convenient.

- Budget-conscious travelers who want a predictable, low percentage fee.

- Fixed fee of 66,000 VND per withdrawal.(reference:9) This is about 1.32% of the 5,000,000 VND transaction limit, making it a reliable alternative.(reference:10) ^[5]

BIDV

- Up to 50,000,000 VND per day.(reference:11)

- Very common and reliable, especially at airports, shopping malls, and major tourist attractions.(reference:14)

- A reliable, safe choice with a strong presence in tourist hubs.

- 55,000 VND per transaction.(reference:12) UnionPay cardholders may get free withdrawals.(reference:13)

For the absolute best value, VPBank is the clear winner as it combines a high withdrawal limit with zero ATM fees. If you can't find a VPBank ATM, MB Bank offers the next best effective rate (around 1.3%) followed by Vietcombank, which is best for its unbeatable network size. Avoid banks that charge a percentage of the amount withdrawn, as these add up quickly.

Sarah's Smart Money Trip to Vietnam

Sarah, a 28-year-old graphic designer from Australia, planned a 2-week trip from Hanoi to Ho Chi Minh City. She was worried about hidden ATM fees and carrying too much cash. Her first attempt: She used her regular bank card at a Vietcombank ATM at the airport, withdrawing 2,000,000 VND. The fee was 50,000 VND, and her bank added a 3% foreign transaction fee.

She realized she was losing nearly 5% on every withdrawal. Frustrated, she did some research and discovered VPBank's fee-free ATMs. She also opened a Wise account and loaded it with AUD before her trip.

For the rest of her trip, she used her Wise card at VPBank ATMs, withdrawing the maximum 5,000,000 VND each time. The local ATM fee was 0 VND, and Wise only charged a small, transparent conversion fee.

At restaurants and cafes, she used the VNPAY app linked to her Visa card, taking advantage of the 50% discount promotion. By week two, she had saved over 800,000 VND (about $50 AUD) in fees compared to her first day. The breakthrough was combining a low-fee international card with a fee-free local ATM.

Next Steps

VPBank is the fee-free champion

For the best value, seek out VPBank ATMs. They offer high withdrawal limits with zero local transaction fees.

Always choose VND at ATMs

Decline Dynamic Currency Conversion (DCC) without exception. Paying in VND saves you up to 10% compared to paying in your home currency.

Use QR codes for cashless convenience

Download the VNPAY app. It's accepted everywhere and often has promotions for foreign cards, saving you both fees and the hassle of cash.

Combine a Wise card with a fee-free ATM

For the ultimate low-fee strategy, use a card like Wise at a VPBank ATM. You'll get the real exchange rate and avoid local operator fees.

Withdraw large amounts less often

To minimize fees, withdraw the maximum allowed per transaction (often 5,000,000 VND or more). A fixed fee hurts less when spread over a larger sum.

Quick Answers

Which ATM in Vietnam does not charge fees?

VPBank and TPBank are the two main banks that offer completely free withdrawals for foreign cards at their ATMs. There are no local operator fees, though your home bank may still charge its own fee.

Is it better to withdraw USD or VND in Vietnam?

Always withdraw in Vietnamese Dong (VND). If you choose USD, the ATM applies a terrible exchange rate (DCC), costing you up to 10% of your withdrawal. Let your bank handle the conversion.

Can tourists use QR code payments in Vietnam?

Yes, absolutely. By downloading the VNPAY app and linking an international card (Visa, Mastercard, etc.), tourists can scan VNPAY-QR and VietQR codes to pay at millions of locations nationwide.

How much cash should I carry in Vietnam?

It's smart to carry around 1,000,000 - 2,000,000 VND ($40-80 USD) for daily expenses like meals, transport, and market shopping. Withdraw larger amounts from ATMs to minimize fees.

Is it safe to use ATMs in Vietnam?

Yes, but stick to ATMs attached to bank branches, especially in tourist areas and airports. Avoid standalone ATMs in dark or isolated places. Cover the keypad when entering your PIN.

To keep your travel costs low, you should check Which ATM to use in Vietnam for no fee? before you arrive.

Source Attribution

[1] Mexc - VPBank does not charge a fee for foreign card withdrawals.(reference:20)(reference:21)
[2] Mexc - Free withdrawals up to 5,000,000 VND per transaction, with a daily cap of 5,000,000 VND.(reference:22)
[3] Mexc - Up to 100,000,000 VND per day.(reference:23)
[4] Diamond - Additionally, a 3.64% fee (min 45,454 VND) applies when withdrawing from other banks' ATMs outside Vietnam.(reference:24)
[5] Mexc - Fixed fee of 66,000 VND per withdrawal.(reference:25) This is about 1.3% of the max withdrawal amount, making it very competitive.(reference:26)
[6] Mexc - Up to 50,000,000 VND per day.(reference:27)

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