What exchange rate do foreign bank cards give when withdrawing cash in Nha Trang, Vietnam?
Based on 2 discussions with 3 participants · Last activity: 9 days ago
TL;DR
Bank card exchange rates in Nha Trang can be significantly worse than market rate — one traveler got 278 VND per RUB instead of the usual ~300 (about 10% loss). For UnionPay cards, PIN entry format varies (4 or 6 digits, sometimes with two zeros added) so check with your bank beforehand.
What the community said
Holders of UnionPay cards report inconsistent PIN entry requirements at Vietnamese ATMs — sometimes 4 digits, sometimes 6 digits with two zeros added at the end. Check with your bank before the trip to avoid card blocks.
12 days ago UnionPay card
The RUB-to-VND conversion rate at ATMs doesn't always match the market rate — travelers note the calculation can seem confusing compared to standard USD-to-VND conversion.
10 days ago
On a Saturday, a VTB ATM in Vietnam gave a rate of 278 VND per RUB instead of the standard ~300 — about a 10% loss versus the normal rate. It's worth checking the current rate before withdrawing large amounts.
10 days ago VTB ATM, 278 VND/RUB