Traveling in Vietnam and wondering how to withdraw cash without paying high ATM fees?
Good news: several Vietnamese banks allow free withdrawals, or charge very low fees — but you must know which ATMs to use and how to avoid dynamic currency conversion (DCC).

In this guide, we share the best banks to withdraw money for free, updated withdrawal fees, maximum withdrawal amounts, and essential tips to avoid hidden charges.

Updated: 22/02/2026

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Important Tip Before Withdrawing in Vietnam

When the ATM asks:

“Do you accept the conversion rate?”
➡ Always select NO.

If you refuse the conversion, you are charged using your home bank’s exchange rate, which is always cheaper than the ATM’s rate.
If you accept, you will pay 10–12% more due to bad conversion.

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Banks in Vietnam With ATM Fees (Free & Paid)

Based on our experience living in vietnam.

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Vietnam ATM Fees Table (Foreign Cards)

1- FREE Withdrawal Banks (0₫ Fee — Best Options)

*m is for million of vietnam dong (VND)

Bank	Fee VND	Fee (€)	Max Withdrawal (VND)	Max (€)	Notes
VP Bank	0₫	0€	15m*₫	587€	⭐ BEST overall
Eximbank	0₫	0€	3m ₫	117€	Low limit
Bao Viet Bank	0₫	0€	—	—	Free
BBVA	0₫	0€	—	—	Rare
Saigon Bank	0₫	0€	—	—	Free
Viet Bank Pay	0₫	0€	—	—	Free
AB Bank (Visa)	0₫	0€	—	—	Mastercard charges 20,000₫
ACB Bank (Visa)	0₫	0€	3m ₫	117€	Very good but low limit

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2- Ultra-Low Fees (Under 10,000₫)

Bank	Fee VND	Fee (€)	Max Withdrawal (VND)	Max (€)	Notes
HD Bank	3,3k₫	0.13€	—	—	Cheapest

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3- Low Fees (20,000₫ – 50,000₫)

(Still acceptable for travelers)

Bank	Fee VND	Fee (€)	Max Withdrawal (VND)	Max (€)	Notes
Donga Bank	20k ₫	0.78€	3m ₫	117€	Good value
Agribank	22k ₫	0.86€	2m ₫	78€	Rural areas
Sea Bank	49,5k ₫	1.94€	3m ₫	117€	Medium fee
VietBank	50k ₫	1.96€	3m ₫	117€	OK option
Vietcombank	50k ₫	1.96€	5m ₫	196€	Very common bank

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4- Medium Fees (55,000₫)

(Common in Vietnam — avoid if possible)

Bank	Fee VND	Fee (€)	Max Withdrawal (VND)	Max (€)	Notes
VietinBank	55k ₫	2.15€	2m ₫	78€	Very common ATMs
ACB (Mastercard)	55k ₫	2.15€	—	—	Visa is free
Techcombank	55k ₫	2.15€	2m ₫	78€	Very common
SHB	55k ₫	2.15€	2m ₫	78€	Low limit
KS Tha Bank	55k ₫	2.15€	—	—	Not widespread
VIB	55k ₫	1.79€	6m ₫	196€	Good limit

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5- High Fees (60,000₫ – 99,000₫)

(Use only when no alternative is available)

Bank	Fee VND	Fee (€)	Max Withdrawal (VND)	Max (€)	Notes
Citibank	60k ₫	2.33€	8,5m ₫	333€	Very high limit
BIDV	99k ₫	3.88€	3m ₫	117€	Higher fee
TP Bank	154k ₫	~5 €	5m ₫	196€	Easy to find
MB Bank	165k ₫	5.38€	5m ₫	196€	High fee

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6- Very Expensive (Percentage Fees — Avoid)

Bank	Fee VND%	Fee (€/% )	Max Withdrawal (VND)	Max (€)	Notes
Sacombank	1.5% (min 30,000₫)	1.5% (min 1.17€)	3m ₫	117€	Very bad deal
HSBC	3%	3%	4,8m ₫	188€	❌ Worst fees

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