What are the charges for withdrawing cash from ATM?
Accessing cash in Vietnam varies by bank. While some, like TPBank and VPBank, offer free ATM withdrawals up to 5,000,000 VND, others levy fees; BIDV charges 3%, and Agribank a flat 22,000 VND fee, with similar daily withdrawal limits across providers.
Navigating ATM Cash Withdrawals in Vietnam: A Cost Comparison
Accessing cash while traveling in Vietnam can involve varying charges depending on the bank you use. Understanding these fees can help you plan your withdrawals and minimize unnecessary expenses.
Free Withdrawal Options:
- TPBank: Offers up to 5,000,000 VND in free ATM withdrawals per day.
- VPBank: Also provides up to 5,000,000 VND in free daily withdrawals.
Banks with Withdrawal Fees:
- BIDV: Implies a 3% charge on ATM withdrawals, with a daily limit similar to TPBank and VPBank.
- Agribank: Levies a flat fee of 22,000 VND per ATM withdrawal, regardless of the amount withdrawn.
Tips for Minimizing Charges:
- If using a bank with withdrawal fees, opt for larger withdrawals to reduce the percentage impact of the fee.
- Consider using banks that offer free withdrawals, if available within your travel area.
- Withdraw cash within the daily limit to avoid exceeding the chargeable threshold.
- Use ATMs in urban areas, where you’re more likely to find banks with competitive withdrawal rates.
- Inform your bank prior to traveling to avoid international transaction fees.
Additional Considerations:
- Exchange rates play a role in the overall cost of cash withdrawals. Compare rates at different ATMs before making a withdrawal.
- Some ATMs may have additional fees for transactions outside of their network. Check for any signs or notifications before using such machines.
- Keep your card and PIN safe to prevent unauthorized withdrawals.
By understanding the charges associated with ATM cash withdrawals in Vietnam, you can plan your finances effectively and avoid unnecessary bank fees. Remember to research available options, use free withdrawal banks when possible, and minimize charges by withdrawing larger sums.