Planning your trip and wondering how money works in Vietnam? Understanding the local currency, payment methods, and tipping culture can help travelers avoid confusion and manage their budget more easily.
This Vietnam Money Guide explains everything you need to know about using cash, withdrawing money from ATMs, paying with cards, and understanding tipping etiquette in Vietnam. With the right knowledge, handling money in Vietnam becomes simple and stress-free.
If this is your first time visiting the country, you may also want to read our complete Vietnam travel guide to learn about travel routes, transportation, and practical tips for exploring Vietnam.
Understanding Vietnamese Currency
The official currency used in Vietnam is the Vietnamese Dong (VND). Prices are usually displayed in large numbers, which can be confusing for first-time travelers.
For example:
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50,000 VND – simple street food meal
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200,000 VND – restaurant meal
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1,000,000 VND – about 40 USD
Common banknotes in circulation include:
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10,000 VND
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20,000 VND
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50,000 VND
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100,000 VND
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200,000 VND
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500,000 VND
These polymer banknotes are durable and water-resistant, making them convenient for everyday use.
Should You Use Cash in Vietnam?
Cash is still the most common payment method in Vietnam, especially at street food stalls, markets, and small local businesses.
According to this Vietnam Money Guide, travelers should always carry some cash for daily purchases.
Cash is commonly needed for:
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Street food vendors
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Small cafés
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Local markets
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Taxis or motorbike rides
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Small shops
While Vietnam is becoming more digital, cash remains essential in many places.
Before traveling, it’s also helpful to prepare a proper Vietnam packing list so you have the right clothing, travel documents, and essential items for your trip.
Using ATMs in Vietnam
ATMs are widely available across major cities such as Hanoi, Da Nang, and Ho Chi Minh City.
Many travelers prefer withdrawing money directly from ATMs rather than exchanging large amounts of cash at airports.
Tips for using ATMs in Vietnam:
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Use ATMs located at banks or shopping centers
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Withdraw larger amounts to reduce transaction fees
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Inform your bank before traveling
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Always protect your PIN when entering it
Most ATMs allow withdrawals between 2,000,000 and 5,000,000 VND per transaction.
Vietnam Money Guide: Credit Cards and Digital Payments
Credit cards are accepted in many hotels, restaurants, and shopping malls in tourist areas.
Visa and Mastercard are the most widely accepted cards.
Places where you can usually pay by card include:
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Hotels and resorts
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Tour agencies
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International restaurants
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Shopping centers
However, some businesses may charge a 2–3% service fee for card payments.
Because of this, many travelers still prefer using cash for smaller purchases.
Where to Exchange Money
You can exchange foreign currency at several places in Vietnam:
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Banks
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Airport exchange counters
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Gold shops in city centers
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Some hotels
US dollars are the easiest currency to exchange.
However, withdrawing money from ATMs usually offers a better exchange rate.
For official tourism information, travelers can also check the website of the Vietnam National Administration of Tourism.
Many travelers explore several destinations during one trip. Planning your route in advance with a detailed Vietnam itinerary can help you manage both time and travel expenses.
Vietnam Money Guide: Tipping Etiquette in Vietnam
Tipping is not mandatory in Vietnam, but it is appreciated in tourist areas.
This Vietnam Money Guide suggests the following tipping practices:
Restaurants
Rounding up the bill or leaving small change is common.
Tour guides
Around 100,000 – 200,000 VND per day is appreciated.
Drivers
About 50,000 – 100,000 VND per day.
Hotel staff
Small tips for porters or housekeeping are welcome but not required.
Tipping in Vietnam is considered a gesture of appreciation rather than an obligation.
Safety Tips for Handling Money
Vietnam is generally a safe country for travelers, but it is still wise to take precautions when handling money.
Important safety tips include:
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Avoid carrying large amounts of cash
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Use a money belt or hidden pouch
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Keep smaller bills for daily purchases
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Use ATMs during daytime when possible
Following these simple steps will help travelers manage money safely during their trip.
Costs can vary depending on where you travel. Popular destinations like beaches, cities, and mountains may have different price ranges, so it helps to research the best places to visit in Vietnam before planning your budget.
Final Vietnam Money Guide Tips for Travelers
Understanding how money works in Vietnam will make your travel experience much easier.
This Vietnam Money Guide recommends using a combination of cash and cards. Cash is useful for everyday purchases, while cards are convenient for hotels and larger restaurants.
Before traveling, inform your bank about your trip, bring a backup card, and keep emergency cash available.
With these tips, you can confidently enjoy Vietnam’s incredible food, culture, and landscapes.
FAQ – Vietnam Money Guide
What currency is used in Vietnam?
Vietnam uses the Vietnamese Dong (VND) as its official currency.
Should I bring cash or card to Vietnam?
A mix of both is recommended. Cash is widely used in markets and street food stalls, while cards are accepted in many hotels and restaurants.
Are ATMs easy to find in Vietnam?
Yes. ATMs are widely available in major cities and tourist areas.
Is tipping expected in Vietnam?
Tipping is not required but appreciated in restaurants, tours, and hospitality services.