Vietnam ATM Fees: What Foreign Cards Pay at Banks (2026)

For large withdrawals, use Techcombank branch ATMs for a flat 66,000 VND fee with VAT included. For smaller sums, pick BIDV: it charges a foreign Visa or Mastercard 3% with a minimum 50,000 VND fee, excluding VAT, up to 5,000,000 VND per transaction. VietinBank and Agribank take 4%.

When you pull cash from an ATM in Vietnam with an overseas Visa or Mastercard, choose your bank carefully to avoid high fees. Techcombank charges a flat 66,000 VND per transaction, VAT included, at its branch ATMs.

Percentage-based fees add up quickly on larger sums. BIDV takes 3% with a 50,000 VND minimum fee, excluding VAT. Agribank charges 4% with a minimum fee of 70,000 VND, excluding VAT, while VietinBank charges 4% with an 80,000 VND minimum fee, excluding VAT.

Which card do you have?

• If you hold a foreign Visa or Mastercard and want the lowest percentage → BIDV: 3%, minimum fee 50,000 VND, excluding VAT. VietinBank and Agribank charge 4%. On a large withdrawal, Techcombank’s flat 66,000 VND can cost less.
• If you withdraw a small amount → the minimum fee applies, excluding VAT: 80,000 VND at VietinBank, 70,000 at Agribank, 50,000 at BIDV. Techcombank’s flat fee is 66,000 VND, VAT included, at ATMs in its branches.
• If you hold a JCB or UnionPay card → BIDV charges no fee of its own. Agribank charges nothing on JCB. Techcombank’s fee does not apply to JCB.
• If your Visa or Mastercard was issued in Vietnam → BIDV and Agribank charge nothing for the withdrawal, and Techcombank’s 66,000 VND fee does not apply. That is the case after you open a Vietnamese bank account.
• If you need cash in one go → BIDV lets you withdraw up to 5,000,000 VND per withdrawal on a Visa or Mastercard. Agribank lets you withdraw up to five million VND on an international card. Your own issuing bank may add its fee.

Still open: fees at Vietcombank, TPBank, VPBank and Sacombank; per-withdrawal maximums at VietinBank and Techcombank. The place to check all of these is each bank’s published fee schedule.

What one withdrawal really costs

Withdraw VND 5,000,000, the BIDV per-withdrawal maximum, and the Vietnamese bank takes VND 150,000 plus VAT. Your home bank may add its own fee on top.

The sums are one withdrawal at BIDV’s 3% rate. VietinBank and Agribank charge 4%, so the same cash costs more there.

Decline the ATM’s own conversion (DCC)

When an ATM offers to charge your card in your home currency instead of VND, that is dynamic currency conversion (DCC). Refuse the optional conversion rate on the screen and your card pays Mastercard’s real exchange rate. Choose local currency, not your home currency, when the screen asks. Schwab does not rebate a DCC fee.

VietinBank automatically charges the 4% fee to a Visa, Mastercard or DCI cardholder whose card was issued abroad, and it applies from 16 November 2025.

What each bank charges a card issued abroad

• BIDV charges 3% of the transaction, minimum fee 50,000 VND, excluding VAT, for a Visa or Mastercard issued abroad.
• A Visa or Mastercard issued in Vietnam is free at BIDV. NAPAS, Laoviet bank/APN, UnionPay and JCB cards are also free, wherever they were issued.
• Agribank charges 4% of the transaction, minimum fee 70,000 VND, excluding VAT, for a Visa or Mastercard issued abroad by a card issuer other than Agribank.
• A Visa or Mastercard issued in Vietnam is free at Agribank. A JCB card is also free, wherever it was issued.
• Techcombank charges 66,000 VND per transaction, VAT included, to an international cardholder of another bank at an ATM located at a Techcombank branch or transaction office.
• Techcombank’s fee does not apply to a Visa or Mastercard issued by a bank in Vietnam, or to a JCB cardholder.

BIDV’s schedule says its fee excludes VAT and excludes any fee the card’s own issuing bank charges separately.

Per-withdrawal maximum

• A Visa, Mastercard or JCB card can withdraw up to 5,000,000 VND per withdrawal at a BIDV ATM; the smallest withdrawal is 10,000 VND.
• A NAPAS, UnionPay, APN or LaoVietBank card can withdraw up to 3,000,000 VND per withdrawal at a BIDV ATM; the smallest withdrawal is 10,000 VND.
• A domestic card issued by another card-issuing organisation can withdraw up to three million VND per withdrawal at an Agribank ATM.
• An international card issued by another card-issuing organisation can withdraw up to five million VND per withdrawal at an Agribank ATM.

For both BIDV card groups, BIDV’s table leaves the daily maximum to the card’s own issuing bank. Agribank’s limits have applied from 19 March 2026.

Cards issued in Russia

Visa cards issued by Russian banks stopped working outside Russia from March 2022, and in the same month Mastercard stopped supporting cards issued by Russian banks, in Russia or abroad. In March 2022, Mir cards were accepted in Vietnam through the NAPAS network at BIDV and VRB, and BIDV had begun taking Mir cards at its POS terminals nationwide in October 2019.

What the card circular says about fees

Circular 18/2024/TT-NHNN on bank cards says only the card-issuing organisation, the one that issued your card, may charge the cardholder. It must do so under the fee schedule it has published.

The same article of the circular leaves two things to the parties’ own agreement. One is the fee a card-payment organisation agrees with the businesses and payment intermediaries it works with. The other is how fees are shared between the card-issuing organisation, the card-payment organisation, payment intermediaries and international card organisations.

Circular 45/2025/TT-NHNN amended Circular 18/2024 from 5 January 2026 and left Article 5, the card-fee rules, as it was.

If you’re opening a Vietnamese account instead of relying on a foreign card, see how to open a bank account in Vietnam as a foreigner. Larger transfers are covered in sending money to and from Vietnam, and the first-week checklist puts cash, SIM and paperwork in order for a new arrival.

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Not confirmed: Whether Vietcombank, TPBank, VPBank or Sacombank charge a foreign-issued card for ATM withdrawals. The per-withdrawal maximum at VietinBank, Techcombank and the other banks not listed above. Whether a Russian Mir card works at Da Nang ATMs today.

General information checked against the sources listed above, not legal advice for your situation. Rules and office practice change; confirm with the immigration office or a licensed adviser before you act. See how guides are checked.

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