ATM Fees and Limits in Vietnam for a Foreign Card (2026)

VietinBank charges a foreign-issued card 4% of the transaction, minimum 80,000 VND, to withdraw cash at its ATMs. BIDV charges 3%, minimum 50,000 VND. Agribank charges 4%, minimum 70,000 VND. Techcombank charges a flat 66,000 VND. BIDV caps a foreign Visa or Mastercard withdrawal at 5,000,000 VND per transaction.

VietinBank charges a card issued by another bank 4% of the transaction, minimum 80,000 VND, excluding VAT, to withdraw cash at its ATMs. BIDV charges the same kind of card 3% of the transaction, minimum 50,000 VND. Agribank charges 4% of the transaction, minimum 70,000 VND. Techcombank charges a flat 66,000 VND per transaction, VAT included.

VietinBank’s system automatically applies its 4% fee to a Visa, Mastercard or DCI cardholder whose card was issued abroad. The schedule took effect on 16 November 2025.

What each bank charges a card issued abroad

• BIDV charges 3% of the transaction, minimum 50,000 VND, excluding VAT, for a Visa or Mastercard issued abroad.
• BIDV lists NAPAS, Laoviet bank/APN, UnionPay and JCB cards, and a Visa or Mastercard issued in Vietnam, as free.
• Agribank charges 4% of the transaction, minimum 70,000 VND, for a Visa or Mastercard issued abroad by another organisation.
• Agribank lists a Visa or Mastercard issued in Vietnam, and a JCB card, as free.
• Techcombank charges 66,000 VND per transaction, VAT included, for an international cardholder of another bank.
• Techcombank’s fee does not apply to a Visa or Mastercard issued by a bank in Vietnam, or to a JCB cardholder.

BIDV’s fee excludes VAT and excludes any fee the card’s own issuing bank charges separately. Agribank’s 4% fee took effect on 15 October 2025.

Per-withdrawal maximum

• A Visa, Mastercard or JCB card can withdraw up to 5,000,000 VND per transaction at a BIDV ATM, minimum 10,000 VND.
• A NAPAS, UnionPay, APN or LaoVietBank card can withdraw up to 3,000,000 VND per transaction at a BIDV ATM, minimum 10,000 VND.
• Agribank’s own limit table for this comparison is denominated in triệu đồng — VND millions — per transaction.
• A domestic card issued by another organisation is capped at 3 (million VND) per withdrawal at an Agribank ATM.
• An international card issued by another organisation is capped at 5 (million VND) per withdrawal at an Agribank ATM.

BIDV sets no daily maximum of its own for either card group — the daily maximum is set by the card’s own issuing bank. Agribank’s per-withdrawal maximums took effect on 19 March 2026.

What the card circular says about fees

Vietnam’s bank-card circular states that only the card-issuing organisation may charge its own cardholder, under a fee schedule that organisation has itself published.

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.

Not confirmed: Vietcombank's own fee for a card issued abroad withdrawing at its ATMs is not stated in any source found; its published fee schedules cover just Vietcombank's own cards. TPBank, VPBank and Sacombank's fee and per-withdrawal maximum for a foreign-issued card are not stated in any official source found. Neither BIDV's nor Techcombank's fee schedule prints an effective-from date. What "DCI" stands for in VietinBank's fee wording is not defined in VietinBank's own materials. A separate circular amending Circular 18/2024 was later issued; whether it changes this fee rule is not confirmed here. How that circular's fee article fits with a Vietnamese bank's own published ATM fee for a card issued abroad is not explained in any source found.

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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