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Money

ATMs, Banking and QR Payments

Cash and QR payments dominate daily life. Standard ATMs charge around 220,000 VND (~$9) per withdrawal; VP Bank ATMs have been free. Many long-stayers open a local bank account so they can pay local QR codes directly from an app.

Last updated: August 2026 · Prices and regulations change

ATM withdrawals

Standard ATMs
~220,000 VND (~$9) per withdrawal
VP Bank ATMs
0 VND (subject to change)
Typical saving
$9–180/month

Some ATMs cap withdrawals at 2m VND (~$76), which is why fees add up quickly if you use the wrong machine.

QR payments and local bank accounts

Apps let you pay QR codes at local grocery stores, cafés, restaurants, markets and street vendors. Most international and tourist-facing businesses also accept Visa and Mastercard.

Many people open a Timo Bank account with a tourist visa, passport, Vietnamese phone number and address, then pay local QR codes through the app. The same is possible with Sacombank, Vietcombank and others.

Important

A tourist-visa account freezes each time your eVisa expires — you need a short visit to the bank with the new eVisa to unfreeze it. You cannot transfer money from the Vietnamese account back to a foreign bank, and you cannot get an ATM card on a tourist visa.

Transfers from a foreign account into the Vietnamese account are common; Revolut, for example, typically charges around $1–2 per transaction. Paying directly with a foreign card at a shop may add 3–5% to the bill.

Currency exchange

Buck Service in An Thuong is the exchange most often mentioned by the community, at roughly 1% commission.

Check before you rely on this

Fees, banking rules and app availability change. Verify before relying on any of the above.

Check before you rely on this

Prices, regulations and opening hours change. Confirm anything critical directly with the provider before you rely on it. Source: Da Nang Nomad Fest Guidebook.