Money in Vietnam: Currency, ATMs, Cards & Tipping

Vietnam runs mostly on cash, especially outside big cities. A little preparation with currency, ATMs, and cards goes a long way.

The currency: Vietnamese dong (VND)

The local currency is the Vietnamese dong (VND). As an indicative guide, roughly 25,000 VND ≈ 1 USD — but rates move, so check the current rate before you travel.

Dong comes in large numbers, which takes adjustment. Notes run up to 500,000 VND, and the bigger denominations look similar in colour, so it’s easy to confuse them.

A cash-heavy economy

Markets, street food, small shops, taxis, and many family-run places are cash only. Always carry a mix of small and medium notes — breaking a 500,000 VND note for a cheap purchase can be awkward.

ATMs and withdrawal fees

ATMs are widespread in cities and towns. Notes to keep in mind:

• Most ATMs charge a withdrawal fee per transaction (often around 20,000–60,000 VND, indicative).
• Many cap how much you can withdraw at once, so larger sums may need multiple withdrawals.
• Your home bank may add its own foreign-transaction fee.
• Use ATMs attached to banks where possible, and shield your PIN.

Cards in cities

In Ho Chi Minh City, Hanoi, and Da Nang, hotels, mid-range and upmarket restaurants, malls, and many shops accept Visa and Mastercard. Still, carry cash as a backup — card acceptance thins out quickly in smaller towns and rural areas.

Tipping etiquette

Tipping is not customary in Vietnam but is appreciated, especially in tourism and hospitality:

• Restaurants: rounding up or leaving small change is plenty.
• Hotel staff, guides, drivers: a modest tip for good service is welcomed.
• Some upscale venues add a service charge — check the bill before adding more.

Common money pitfalls

• Watch your change. Count it, and double-check note denominations.
• Large-note confusion is the most common honest mistake — the 20,000 and 500,000 VND notes can look alike at a glance.
• Get familiar with the notes early so you can pay confidently.

Budgeting around a dental trip

For dental tourism, your treatment is usually quoted and settled directly with the clinic — but you’ll still want cash and a card for food, transport, and incidentals. Pair this with our getting around guide to plan day-to-day spending. We help patients understand costs clearly before they fly.

Want a transparent treatment plan and quote? Get a free assessment.