💸 Out of Cash in Vietnam? Here’s How to Exchange Money Quickly and Safely

Traveling can be full of surprises — and running out of cash is one of them. Maybe your card doesn’t work, the ATM is out of service, or you didn’t expect to spend so much.
Don’t panic. Here’s how you can exchange money quickly, safely, and legally in Vietnam.

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✅ 1. Exchange Money at the Airport

• Major airports like Noi Bai (Hanoi), Tan Son Nhat (HCMC), and Da Nang have money exchange counters.

• Convenient and open most of the day.

• However, exchange rates are usually not the best.

• Ideal if you need a small amount of cash for a taxi or a quick meal.

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🏦 2. Go to a Bank

• This is the most reliable and legal way to exchange money.

• Big banks like Vietcombank, BIDV, ACB, Techcombank offer currency exchange services.

• Bring your passport for identification.

• May require some waiting time. Best to go in the morning on weekdays.

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🏪 3. Gold Shops and Money Changers

• Very common in major cities.

  • Hanoi: Hà Trung Street

  • Ho Chi Minh City: Lê Thánh Tôn, Nguyễn An Ninh streets

• Often offer better rates than banks, and transactions are quick.

• No paperwork required.

• ⚠️ Make sure to go to reputable, busy shops with clear signage — avoid shady or street vendors.

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📲 4. Use Money Transfer Services

• If you’re out of options, ask a friend or family member to send money via:

  • Western Union

  • Wise

  • Remitly

• You can pick up the cash at:

  • A local post office (VNPost)

  • Bank partners

  • Authorized Western Union agents

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⚠️ 5. Avoid Common Scams

• Never exchange money with random people on the street — this can lead to scams or counterfeit bills.

• Always count your money carefully before leaving the counter.

• If exchanging large sums, divide the money and keep it in different places for safety.

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🔑 Bonus Tips

• Always carry a backup debit/credit card.

• Use mobile payment apps like Grab, ZaloPay, ShopeePay, Momo where available.

• Ask your hotel staff for trustworthy local exchange options.

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💬 Final Thoughts:

Running out of cash on your trip doesn’t have to ruin your experience.
Stay calm, go to the right place, and remember — help is never far away in Vietnam.