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Mỗi thẻ đều ghi: vì sao nên đến, cần biết gì trước và người ta hay mắc vào đâu.
ATMs and cash
Khu Hoa Binh · Tran Phu · GO!
0–66k₫
$0–2.50
fee per withdrawal · khoảng
VPBank and Eximbank are usually the cheapest for foreign cards — VPBank has been reported as free with a 10,000,000₫ per-transaction limit. Vietcombank is the most common and the worst value at 50–66k with a 2–3M cap.
Cần biết trước. Always decline conversion into your card's currency and choose VND. Withdraw the maximum in one go to spread the flat fee — it is charged per transaction, not per amount. You need cash daily: street food, markets and small cafes do not take cards.
Cẩn thận. VietQR, which everyone local pays with, needs a Vietnamese bank account. Tourists cannot use it, and there is no support for European or Russian home systems. Korean visitors can pay via GLN.
A gold shop that changes cash — standard practice in Vietnam and usually the best rate in town: a bank gives less, an airport counter gives far less. They take dollars and euros, and they inspect the notes: torn, creased or written-on bills may be refused or taken at a worse rate. Bring your passport, though they do not always ask.
A bank account for a foreigner and paying by QR
city-wide
With an account at a Vietnamese bank you can go almost cashless in Da Lat: you pay by scanning the merchant's QR code inside your banking app. It works in cafes, shops, with taxi drivers and at the market — say "QR" and they will show you the code. This is the national VietQR standard, nothing to set up separately: every major bank app has it.
Cần biết trước. The central bank rules ask a foreigner for a valid passport and a visa or a visa-exemption document. No minimum visa length is set by law — the "twelve months" is an internal bank policy and differs from bank to bank. Banks add proof of address: the police temporary-residence paper or a rental contract. At VietinBank we were asked for the passport and the paper registration.
Cẩn thận. On a 90-day e-visa the outcome is decided not by the bank but by the branch and even the clerk — the one thing everyone who takes foreigners to banks agrees on. Online lists of "this one opens, that one doesn't" contradict each other and go stale within months: in the summer of 2026 some sources say the big banks stopped opening accounts on an e-visa, while others report the opposite in the same weeks. So go with the full set — passport, printed visa, proof of address and a local SIM in your own name for the codes — and if refused, do not argue, try another branch. With a temporary residence card, a one-year visa or a work permit the account is opened the same day, no lottery. Plan a branch visit for the biometrics: without them online transfers have not worked since 2025, and a transfer over 10M VND at once or 20M VND a day needs face confirmation; a foreigner can only be enrolled in person. Headlines about banks refusing passports from 2026 do not apply to you — that rule is about Vietnamese citizens.
all over Da Lat, delivered to you · 07:00–22:00
A private money changer we use ourselves, and more than once. He swaps roubles and USDT for dong and delivers the cash anywhere in Da Lat free of charge — that is the difference from a bank or a street counter: the money comes to you, not the other way round. Cash is optional: he can transfer to a Vietnamese account, or hand it over by QR code through BIDV and Vietcombank ATMs anywhere in the country. On request, Thai baht through Bangkok Bank ATMs in Thailand.