Can I pay by QR code with a foreign banking app in Nha Trang, Vietnam?
From messages by 3 participants in 1 source · Last activity: 24 days ago
According to one report, QR payments in Nha Trang shops through the Sber app resulted in an effective cost of roughly 15–20%, so check the final exchange rate and fees in advance.
48 days ago Sber — roughly 15–20% effective cost for QR payments
One traveler reported that VTB blocked access while they were attempting a QR payment; according to the report, an in-person bank visit is required to restore access.
25 days ago VTB — possible block requiring an in-person bank visit
One traveler reported that T-Bank fails to read the QR code at all — even after opening a dong account — and the app freezes/hangs without responding.
T-Bank — app freezes, dong account doesn't help
Based on one user's personal experience, QR payment exchange rates worsen in this order: Sber offers the best rate, followed by T-Bank, with VTB the worst.
Rate ranking: Sber > T-Bank > VTB (best to worst)
One traveler reported that none of the apps — T-Bank, VTB, Renaissance, or Sber — could recognize the QR code, so payment failed with all of them.
T-Bank, VTB, Renaissance, Sber — QR not recognized
On Android, T-Bank's QR scan is inconsistent — sometimes it reads instantly, sometimes it takes 3 attempts.
T-Bank — 1-3 scan attempts needed
Sber once showed an error saying the payment method wasn't supported, but after re-scanning the same QR code the payment went through.
Sber — may need a second scan attempt
VTB scans QR codes fastest and without glitches, but offers a less favorable exchange rate compared to other banks.
VTB — fast scanning, lower exchange rate
On one day, QR payment exchange rates differed noticeably between apps: about 301, 303, and 296 (local currency per unit), depending on the bank used.
Rates: ~301 / ~303 / ~296 depending on app
One traveler's Russian agricultural bank app showed that QR payment was unavailable; due to a line at checkout they ended up paying cash instead.
RSHB app — payment unavailable
The QR payment process is simple: open your banking app, tap the QR icon, ask the seller to show their QR code, scan it with your camera — the result appears on screen instantly.