What to do with leftover Vietnamese dong before leaving Nha Trang — exchange to USD or home currency?

One traveler noted that their Russian Agricultural Bank card was sometimes the only way to withdraw cash from an ATM when needed.

In recent days, payment attempts with Russian Agricultural Bank UnionPay cards in Nha Trang have been declined more often, despite previously working normally. Do not rely on this card as the only way to spend remaining dong or pay for purchases before departure; keep cash or an alternative card available.

Mir cards can be used to withdraw cash at ATMs, while foreign cards work fine for terminal payments.

If you have leftover dong and no cards, exchange to USD rather than your home currency — dollars are accepted at exchange offices worldwide and you'll get a better rate.

Cards are convenient for payments, but don't rely on them exclusively abroad. Keep cash as a backup in case your card gets blocked or your wallet is stolen.

Some banks may freeze international transactions for up to 24 hours if they flag them as suspicious. This is why a card should never be your only payment method in Vietnam — always have cash on hand.