ATMs & CREDIT CARDS

However, a 3% commission charge on every transaction is pretty common; check first, as some charge higher commissions than others. Some merchants also accept Amex, but the surcharge is typically 4%.

In cities and tourist places, you can easily find ATMs from different banks at many corners of streets. Most common and well represented banks include Vietcombank, Argribank, Vietinbank, Sacombank, SEAbank and so on. HSBC, ANZ, Citibank or some other foreign banks are less common but can be found in big cities. Withdrawals are issued in dong, and most of Vietnam banks offer a multiple withdrawal with a limit of 2,000,000d each time. ANZ offers far higher limit depends on your type of card.

The ATMs fees are 20,000 or 40,000 per transaction depending on what bank you use.
Most ATMs enables you to withdraw cash from VISA, MASTER CARD, CIRRUS, PLUS, MAESTRO, JCB, DINNER CLUB through its network, 24 hours per day.
However, a 3% commission charge on every transaction is pretty common; check first, as some charge higher commissions than others. Some merchants also accept Amex, but the surcharge is typically 4%.
Travellers Cheques
Traveller cheques now become less common since using ATMs is much more convenient. Your travelers cheques can be cashed at authorized foreign exchange outlets and banks and require presentation of passport. There is normally a 2 to 5 percent transaction fee for cashing Travelers checks.
It is wise not to rely entirely on travellers cheques by keeping a reasonable stash of US dollars to hand.
If your travellers cheques are in currencies other than US dollars, they may be useless beyond the major cities.