What exchange rate do ATMs in Nha Trang use for foreign bank cards?
From messages by 3 participants in 1 source · Last activity: 7 days ago
In one recent report, more than RUB 100,000 equivalent was withdrawn with a T‑Bank card without a fee and without opening a VND account. Withdrawing from the RUB account was reported to be slightly more favorable than buying VND in the app beforehand.
7 days ago T‑Bank: no fee, withdrawal from RUB account
In one reported BIDV withdrawal, the ATM itself charged no fee, but the card issuer charged RUB 299 for the cash withdrawal. The per-transaction limit was VND 3,000,000.
42 days ago BIDV: RUB 299 issuer fee; VND 3,000,000 limit
For UnionPay cards, BIDV ATMs have been reported not to charge an ATM-side withdrawal fee, though the issuing bank may still apply its own fee or exchange rate. Regular BIDV ATMs reportedly dispense up to VND 3,000,000 per transaction; digital BIDV ATMs may have higher limits.
BIDV: no ATM fee for UnionPay; VND 3,000,000 limit
For Revolut cardholders, the conversion rate is shown directly in the app. Empirically, VP Bank ATMs dispense cash without extra markup (rate matched a currency exchange office's euro rate of 29820). TP Bank, BIDV, and Agribank ATMs were found to add an extra ~3% fee on Revolut withdrawals.
VP Bank no markup; TP Bank/BIDV/Agribank +3% (for Revolut)
Based on reported use of an Alfa-Bank card, the ATM withdrawal conversion follows Alfa-Bank’s own exchange rate, so it is worth checking the bank’s rate in advance. No extra withdrawal fee was reported in that case.
Alfa-Bank
NSPK does not set its own exchange rate — it is a payment infrastructure provider. The rate applied when withdrawing cash is determined by the card-issuing bank, sometimes by the Mir payment system for overseas transactions, and the ATM-owning bank may add its own conversion on top.
NSPK — rate set by issuer, not the infrastructure
The ATM is not responsible for the exchange rate shortfall — it's your issuing bank that applies its own conversion rate. Reports show some Russian banks give 10–20 dong less per unit compared to the NSPK reference rate.
Rate gap vs NSPK: ~10–20 dong depending on issuing bank
If you pre-purchased Vietnamese dong into a VND account at the NSPK rate (e.g. 349.56), ATM withdrawals will dispense dong directly with no further conversion or markup.
VND account: no conversion loss at ATM
Ozon Bank is reported to be one of the few Russian banks that allows ATM withdrawals in Vietnam at the NSPK rate without an additional issuer markup.
Ozon Bank — NSPK rate, no markup