ATM Fees in Vietnam 2026: Which Banks Are Free for Foreign Cards?
Most Vietnamese ATMs charge foreign cards about 50,000 – 66,000 ₫ ($1.93 – $2.54) per withdrawal, with limits of 2 – 5 million ₫. VPBank is the ATM travellers most often report as fee-free with a 10 million ₫ limit. Compare banks and see what your cash will really cost.
Updated: 25 Sep 2026ATM fees by bank (foreign cards)
| Bank | Fee per withdrawal | Max per withdrawal | Notes |
|---|---|---|---|
| VPBank | Free | 10M ₫ | Most often reported fee-free; a few travellers report fees at some branches |
| ACB | Free – 55k ₫ | 3M ₫ | Reports differ — some free, some ≈ 55,000 |
| Eximbank | Free – 22k ₫ | 3M ₫ – 5M ₫ | Single source — check the screen |
| Shinhan | Not published | – | Officially free for Visa cards issued by banks in Europe, the Middle East and Africa; other cards not stated |
| Vietcombank | 50k ₫ – 66k ₫ | 2M ₫ – 3M ₫ | Very common; lower withdrawal limit |
| BIDV | 55k ₫ | 3M ₫ – 5M ₫ | |
| VietinBank | 55k ₫ | 3M ₫ – 5M ₫ | Limit reports differ |
| Agribank | 55k ₫ | 3M ₫ | Common in rural areas |
| Techcombank | 55k ₫ – 66k ₫ | 5M ₫ | |
| Sacombank | 55k ₫ | 2M ₫ – 5M ₫ | |
| MB Bank | 66k ₫ | – | Single traveller report |
| TPBank | ≈ 3.3% | – | Stopped being free in mid-2025; reports differ (≈ 3.3% or 22,000 – 55,000) |
| HSBC | Not published | 10M ₫ – 20M ₫ | Fee for foreign cards not published; high withdrawal limit |
No Vietnamese bank publishes an official fee schedule for foreign cards (except Shinhan's note above). Figures come from 2025 – 2026 travel guides and traveller reports and change during the year — the ATM always shows the fee before you confirm, so check it.
How to pay the least at ATMs in Vietnam
- Always decline the conversion offer. If the ATM offers to charge you in your home currency (dynamic currency conversion), choose VND / "without conversion" — the offered rate is typically 3 – 8% worse.
- Withdraw the maximum each time. Fees are per withdrawal, so one 10 million ₫ withdrawal beats five 2 million ₫ ones.
- Look for VPBank or ACB in cities; keep a backup card in case one is declined.
- Use ATMs inside banks or malls during opening hours — if the machine keeps your card, staff can help.
FAQ
Which ATM in Vietnam has no fee?
VPBank is most often reported as fee-free for foreign cards (up to 10 million ₫ per withdrawal). ACB is sometimes free too, but reports differ. Your own bank may still charge its own fee.
How much can I withdraw from an ATM in Vietnam?
Usually 2 – 5 million ₫ per withdrawal at most banks, about 10 million ₫ at VPBank and up to 10 – 20 million ₫ at HSBC. Your card's own daily limit also applies.
Is it better to exchange cash or use ATMs in Vietnam?
Exchanging clean US dollars or euros at city gold shops or banks usually gives the best rate; ATMs are convenient but add a withdrawal fee. Many travellers bring some cash and use one low-fee ATM withdrawal as backup.