How to withdraw cash or top up a foreign bank card in Nha Trang without extra fees?
Based on 2 discussions with 3 participants · Last activity: 21 days ago
TL;DR
Fee-free cash withdrawal is hard to find — BIDV ATMs charge a fee when you withdraw via QR before getting a physical card, and topping up UnionPay cards (e.g. issued by Russian Agricultural Bank) from another card also incurs a conversion fee.
What the community said
One traveler confirmed fees are unavoidable both from the issuing bank (in this case Russian Agricultural Bank) and from the ATM itself — no way found to skip them entirely.
27 days ago Issuing bank + ATM fee
While waiting for a physical BIDV card to be issued, cash withdrawal via QR code at the ATM is possible but comes with a fee — there's no fee-free option at this stage.
30 days ago BIDV QR withdrawal
Topping up a yuan-denominated UnionPay card (e.g. issued by Russian Agricultural Bank) from another card comes with a noticeable currency conversion fee.
40 days ago UnionPay (CNY) conversion fee