ATM cash withdrawal fees and limits at UP and VRB in Nha Trang

The difference between ATMs can be large: in September 2026 a participant with a UnionPay card calculated that withdrawing through a Vietcombank ATM cost about 40% in fees and asked which ATMs are cheaper. Before a large withdrawal, compare the final amount charged on a small test withdrawal.

Your card-issuing bank may also charge a fee: in September 2026 participants cited one bank charging 4% of the withdrawal with a fixed minimum, while another bank, according to a different participant, waives the fee above a certain withdrawal amount. Withdrawing small amounts is not advised, since the fee may be fixed — for example, at least US$5.

In September 2026 one participant noted that her card's tariff lists a fee only for withdrawals under VND 1,000,000. Another participant was told by her bank's call-centre operator that the fee was 2% plus a fixed amount per withdrawal, with no mention of conversion. To see where the loss comes from, participants advise keeping the receipt and checking whether an actual fee was charged or the rate was simply poor.

In late August 2026 participants calculated a loss of around 10% on cash withdrawals, but said this is a poor exchange rate rather than a fee, possibly also depending on the payment network operator. In September others added that the spread is what matters: it floats and adds to the fee itself at the moment of conversion.