Which foreign bank cards work in Nha Trang for cash withdrawal and payments?

Some cafés and shops in Nha Trang add an extra surcharge for card payments, even when the card or QR payment itself is accepted.

Sber QR payments require internet access and an up-to-date app version; otherwise transactions may fail.

There are three VRB ATMs in Nha Trang: the beachside one is often broken or out of cash, while the most reliable is at the bank's main office (further from the beach, marked on Google Maps). Mir cards allow withdrawals of up to 5 million dong per day.

Sber app QR payments work even at cashiers displaying 'no payment possible' signs — just be careful not to mistype the amount of zeros. QR payments also work via VTB, Bybit, and Binance apps. However, some users (both iPhone and Android) report QR payments failing entirely across Sber, T-Bank, and Raif.

Rosselkhozbank (RSHB) UnionPay card is accepted for payments almost everywhere, and offers a better exchange rate compared to VTB.

Bybit app allows QR code payments almost everywhere. For cash at VRB ATMs: some cards work but may charge withdrawal fees. Ozon Bank card is fee-free at VRB ATMs, while other options may require pre-purchasing dong on an exchange and linking to a dong account.

Mir cards are cash-withdrawal only. RSHB UnionPay card works for both withdrawals and payments at UnionPay terminals. QR code payments via certain Russian banking apps are possible but not universally accepted. Currency exchange via bank transfers is also an option.

VTB card is a strong option for dong withdrawals at VRB bank ATMs. QR code payments work via VTB and Sber apps but not universally. iPhone users must update the Sber app at a Sber branch in Russia before traveling.