Which ATMs in Vietnam have the lowest fees for foreign cards?

Newer 2026 reports for UnionPay suggest some ATMs have become cheaper than before: TPBank was reported as charging no ATM fee with a withdrawal limit of up to 10,000,000 VND per transaction. Agribank, Eximbank, and VietinBank were also reported as fee-free, though their per-transaction limit was usually around 3,000,000 VND.

There are also newer reports on costly UnionPay options: HSBC was reported at 100,000 VND per withdrawal with a limit of up to 10,000,000 VND, MB Bank at about 3.3% with a 5,000,000 VND limit, and Vietcombank at about 2% with a 3,000,000 VND limit. For Vietcombank, people also noted that withdrawals worked only at older ATMs, while newer large-screen machines could return a PIN error.

RSHB (Rosselkhozbank) charges for UnionPay cash withdrawals at foreign ATMs: 1.5% of the amount (min 250 RUB) for RUB-denominated accounts; 4% of the amount (min 7 $/7 €/70 ¥) for accounts in USD, EUR, or JPY. This is your home bank's fee — it comes on top of whatever the Vietnamese ATM charges.

For UnionPay cards (data from mid-to-late 2025): VPBank and BIDV most often charge zero ATM fees. VPBank allows withdrawals up to 5–10 million VND per transaction, BIDV up to 3–5 million VND — the best options for UnionPay cardholders.

With UnionPay: Eximbank and ACB sometimes charge no fee, though it's inconsistent. Agribank charges 22,000–55,000 VND, Sacombank 30,000–55,000 VND, and VietinBank 30,000–55,000 VND with a low limit of just 2–4 million VND per transaction.

The highest UnionPay ATM fees: Vietcombank up to 100,000 VND, Techcombank up to 99,000 VND, TPBank 55,000+ VND, and SCB up to 100,000 VND per withdrawal. Best avoided for small amounts.

Important distinction: the ATM fee is charged by the Vietnamese bank that owns the machine. Your home bank may also charge its own foreign withdrawal or conversion fee on top of that — these are two separate costs.

For Visa/Mastercard: most ATMs charge 20,000–55,000 VND per transaction. VPBank and Eximbank are most often fee-free. Agribank has one of the lowest flat fees at around 22,000 VND, with a 3 million VND limit.

For Visa/Mastercard: BIDV charges ~3% of the amount — costly for large withdrawals. SCB charges 2–3%. VietinBank charges ~55,000 VND with a low 2 million VND limit. Techcombank and MB Bank charge 30,000–55,000 VND with up to 5 million VND limits.

For Visa/Mastercard: Vietcombank charges ~50,000 VND per withdrawal with a 5 million VND limit. TPBank charges 50,000–55,000 VND (5M limit). Sacombank charges ~30,000 VND (5M limit). ACB charges 30,000–55,000 VND, sometimes free depending on your card.