Which foreign bank cards work in Nha Trang for cash withdrawal and payments?

For QR payments, look for merchants displaying VNPAY or VietQR and confirm acceptance with the seller if needed. Alipay, WeChat Pay, and UnionPay do not work for this payment method.

In addition to the already listed apps, Gazprombank (GPB) can be used for QR-code payments in Nha Trang.

Before traveling, a new RSHB UnionPay card should be activated through a chip transaction in Russia, such as inserting it into an ATM or payment terminal. It can then be used to withdraw dong from UnionPay-logo ATMs and, in some places, to pay at merchants.

Besides Sber, VTB and Bybit/Binance, QR payments also work via the MTS bank app. VISA/Mastercard cards from any non-sanctioned bank also work for payments.

QR code payments effectively use an unfavorable exchange rate, resulting in an overpayment of roughly 5-8% of the transaction amount.

T-Bank and Sber cards more often fail than work, and offer a worse exchange rate; there's also a risk of the card getting blocked. For QR payments, Bybit and Binance are the most reliable options.

Some cafés and shops in Nha Trang add an extra surcharge for card payments, even when the card or QR payment itself is accepted.

Sber QR payments require internet access and an up-to-date app version; otherwise transactions may fail.

There are three VRB ATMs in Nha Trang: the beachside one is often broken or out of cash, while the most reliable is at the bank's main office (further from the beach, marked on Google Maps). Mir cards allow withdrawals of up to 5 million dong per day.

Sber app QR payments work even at cashiers displaying 'no payment possible' signs — just be careful not to mistype the amount of zeros. QR payments also work via VTB, Bybit, and Binance apps. However, some users (both iPhone and Android) report QR payments failing entirely across Sber, T-Bank, and Raif.

Rosselkhozbank (RSHB) UnionPay card is accepted for payments almost everywhere, and offers a better exchange rate compared to VTB.

Bybit app allows QR code payments almost everywhere. For cash at VRB ATMs: some cards work but may charge withdrawal fees. Ozon Bank card is fee-free at VRB ATMs, while other options may require pre-purchasing dong on an exchange and linking to a dong account.

Mir cards are cash-withdrawal only. RSHB UnionPay card works for both withdrawals and payments at UnionPay terminals. QR code payments via certain Russian banking apps are possible but not universally accepted. Currency exchange via bank transfers is also an option.

VTB card is a strong option for dong withdrawals at VRB bank ATMs. QR code payments work via VTB and Sber apps but not universally. iPhone users must update the Sber app at a Sber branch in Russia before traveling.