ATM Fees in Vietnam 2026: Which Banks Charge the Least?
Every ATM withdrawal in Vietnam comes with two potential fees: a local bank fee (charged by the Vietnamese ATM) and a foreign transaction fee (charged by your home bank). Here’s how to minimise both.
Vietnam Bank ATM Fees Compared
| Bank | Fee per Withdrawal | Max per Transaction |
|---|---|---|
| π’ Vietcombank | ~10,000β22,000 VND | ~3,000,000β5,000,000 VND |
| π’ Agribank | ~10,000β22,000 VND | ~2,000,000β3,000,000 VND |
| π‘ BIDV | ~22,000 VND | ~5,000,000 VND |
| π‘ Techcombank | ~22,000 VND | ~5,000,000 VND |
| π΄ Independent ATMs (Circle K, airports, hotels) | 55,000β88,000 VND | Often lower limits |
Your Home Bank’s Fee
On top of the Vietnamese ATM fee, your home bank likely charges a foreign ATM fee (typically $3β5 USD or 1β3%) per withdrawal. Check your bank’s international fee policy before you travel. Some banks like Charles Schwab (US) or Wise card (global) reimburse foreign ATM fees β worth setting up before a long Vietnam trip.
FAQ
Yes β Wise and Revolut cards work at Vietnamese ATMs. Both offer competitive exchange rates close to the mid-market rate. Wise allows a certain amount free per month before charging withdrawal fees. Either card is one of the best options for travelling in Vietnam.
