What exchange rate do foreign bank cards give when withdrawing cash in Nha Trang, Vietnam?

From messages by 3 participants in 2 sources · Last activity: 50 days ago

TL;DR

Cash withdrawals with Russian-issued cards in Nha Trang can come at a noticeably worse rate than the market: in August 2026 a VTB card got 278 VND per rouble at an ATM on a Saturday versus a reference of about 300 — roughly a 10% loss. With an RSHB UnionPay card, participants in August 2026 described withdrawals as hit-and-miss: Lotte and 7-Eleven ATMs accepted it, while the PIN format (4 digits or with 00 added) may depend on the ATM and on whether you tap or insert the card. You have to try on the spot.

What the community said

Based on a participant's experience in August 2026, ATMs at Lotte and at 7-Eleven stores in Vietnam accepted an RSHB UnionPay card — a place to start if other ATMs reject it.

51 days ago Lotte and 7-Eleven ATMs

In August 2026 a participant reported that on a Saturday an ATM gave a rate of 278 VND per rouble on a VTB card — not 290 or 295. By their estimate, that is about a 10% loss against a normal rate of around 300 VND. Check the rate the ATM shows before withdrawing a large amount.

64 days ago VTB card: 278 VND per rouble (Aug 2026)

In August 2026 holders of RSHB UnionPay cards asked which PIN to enter at Vietnamese ATMs — 4 digits, or 6 digits with two zeros added at the end. A participant answered that it is hit-and-miss: it may depend on whether you tap or insert the card and add 00, and on the specific ATM's software; you have to try.

66 days ago PIN: 4 digits or +00