How can travelers withdraw Vietnamese dong fee-free in Ho Chi Minh City using a T-Bank VND account?

One reported option is to open a VND account with T-Bank and withdraw cash from VRB ATMs. VRB machines are reported to be available in Ho Chi Minh City, with no withdrawal fee charged from the VND account.

The value depends on the exchange rate when the VND account is topped up. Travelers reported roughly VND 300 per RUB, with up to VND 320 per RUB on one day; at 300, RUB 10,000 converts to about VND 3 million.

In one recent withdrawal report, the effective rate was about VND 302 per RUB. This suggests the final rate can differ slightly from the rate travelers use as a top-up benchmark.

A reported fee-free withdrawal range for the T-Bank VND account is VND 1 million to VND 50 million. Check the bank app for current limits and terms before taking out a large amount.