𝐌𝐨𝐧𝐞𝐲, 𝐀𝐓𝐌 𝐀𝐧𝐝 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝𝐬 𝐈𝐧 𝐕𝐢𝐞𝐭𝐧𝐚𝐦

𝐕𝐈𝐄𝐓𝐍𝐀𝐌𝐄𝐒𝐄 𝐁𝐈𝐋𝐋𝐒
Tourists visiting Vietnam love to joke about walking away from the money changers as “instant millionaires”. The Vietnamese Dong (VND) comes in polymerized notes with multiple zeros, which denominated in bills of between 1000 and 500.000 dong.
By the way, here are some tips that you must scan to avoid mistakes in using Vietnam money:
Don’t mistake one bill to another
As if the multiple zeroes are not confusing enough, some Vietnamese Dong can look very similar with the untrained eyes. Many tourists have over paid with VND 100.000 bills mistaking them for the similarly greenish VND 10.000. Therefore, a tip to this is that when making purchases, do not just rely on the color of the bills. Instead, you had better double check on the number of zero (0) on them.
Polymer notes stick
The Vietnamese banknotes are made of long-lasting polymer, not paper and these plastic notes can stick together, presenting another risk you’ll overpay for your goods. Flick or peel your notes carefully when paying for a purchase.
Avoid paying high-denomination bills
Very few vendors will willingly change your VND 500,000, so make sure you’re carrying smaller bills when going shopping.
𝐈𝐒 𝐔𝐒𝐃 𝐂𝐎𝐌𝐌𝐎𝐍𝐋𝐘 𝐀𝐂𝐂𝐄𝐏𝐓𝐄𝐃 𝐈𝐍 𝐕𝐈𝐄𝐓𝐍𝐀𝐌?
Yes, it is widely accepted by many hotels, shops and restaurants, but not all. It is advisable for you to keep the Dong currency in cash which it is more convenient to make purchases at the local markets and street vendors.
𝐔𝐒𝐃 & 𝐕𝐍𝐃, 𝐖𝐇𝐈𝐂𝐇 𝐎𝐍𝐄 𝐈𝐒 𝐁𝐄𝐓𝐓𝐄𝐑 𝐅𝐎𝐑 𝐏𝐀𝐘𝐌𝐄𝐍𝐓?
The Vietnamese Dong is highly recommended. Because while many shops or restaurants accept your payment in USD, the downside to this is that the prices will be converted from Dong currency at the vendors’ chosen exchange rate, which maybe not nearest to the official one and always to their advantage, so the cost is more expensive than paying in the Vietnamese Dong.

𝐖𝐇𝐄𝐑𝐄 𝐓𝐎 𝐄𝐗𝐂𝐇𝐀𝐍𝐆𝐄 𝐌𝐎𝐍𝐄𝐘 𝐈𝐍 𝐕𝐈𝐄𝐓𝐍𝐀𝐌
First of all, keep in mind that you will get a better exchange rate when you change your own money in Vietnam rather than in your country. In Vietnam, some currencies easily converted are US dollars, Pounds, Euros, Australian dollars and so on.
Here are some places that have good services of money exchange in Vietnam:
At the banks – They include Vietcombank, Agribank, VID Public Bank, Vietnam Eximbank, etc. 
At the gold and jewelry shops – Converting money at gold shops, while it’s illegal, is much simpler than at the banks. No forms to fill out. No passport required. 
At the hotels – Most hotels will change money with their guests at the hotel’s reception. Your mileage may depend on which kind of hotel: larger hotels can offer more competitive rates with banks than the smaller.
At the airport – Currency exchange booths can be easily found at the airports. At Tan Son Nhat International Airport (SGN), you can make trades at both the arrival and departure hall. However, the airport exchange rate may be competitive when compared with the rates at stores and gold shops around the cities.
𝐀𝐓𝐌𝐒 𝐈𝐍 𝐕𝐈𝐄𝐓𝐍𝐀𝐌
Currencies
Despite the fact that you can choose to bank in either U.S. dollars or Vietnamese dong, and while both currencies are accepted in most establishments, ATMs will only dispense Vietnamese dong. Foreign currency can be exchanged in the bank
Withdrawal limits
The current maximum withdrawal amount is 4 million VND. Larger cash advance can be arranged during office hours with bank staffs.