Best card and money tips for Vietnam.
For Vietnam, the best Aussie card is the Wise Debit (real rate on the eftpos purchases you do make at hotels + tourist restaurants.). Bring cash. Cards work at hotels and tourist restaurants, but most everyday spending is cash.
Cash or card?
Vietnam is heavily cash-based outside of tourist hotels and chain restaurants. The dong has the unique distraction of having huge numbers — a beer can cost 30,000 VND. Don't panic; just remember 1 AUD ≈ 16,500 VND.
- Always count zeros — there are 500,000 VND notes that look similar to 50,000 VND. Major scam vector.
- Many tour operators and some hotels quote in USD. Politely ask for the VND equivalent — hotel-rate conversions are bad.
- Tip in VND, not USD. Locals prefer the local currency.
Best Aussie cards for Vietnam
Real rate on the EFTPOS purchases you do make at hotels + tourist restaurants.
CATCH: Limited terminal coverage outside major cities + tourist hubs.
Refunds international ATM fees — useful given Vietnamese banks charge 50,000-100,000 VND per withdrawal.
CATCH: Eligibility requirements as for other countries.
No FX fees on the contactless purchases that do work. Backup card.
CATCH: Most spots require cash — keep that primary.
ATM playbook
- HSBC Vietnam
- Citibank
- ANZ Vietnam (where still operating)
- Agribank (limited foreign card acceptance)
- Standalone tourist ATMs near Bui Vien / Old Quarter
Vietnam ATM withdrawal limits are typically 3-5 million VND (A$180-300) per transaction. Higher limits are sometimes hidden under 'Other Amount' rather than the pre-set buttons. HSBC ATMs reportedly allow up to 8 million VND.
Local money hacks
Watch out for
Indicative FX as of May 2026. Card features and eligibility change — verify with the issuer.