What exchange rate do ATMs in Nha Trang use for foreign bank cards?
Based on 1 discussions with 3 participants · Last activity: today
TL;DR
The ATM itself doesn't set the rate — your home bank does the conversion. Russian cardholders report getting 10–20 dong less per unit than the NSPK rate, depending on the issuing bank. Ozon Bank reportedly gives the NSPK rate with no markup.
What the community said
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.
13 days ago 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.
1 day ago 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.
1 day ago 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.
1 day ago Ozon Bank — NSPK rate, no markup