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ATM Usage: Limits and Security: how it works in Vietnam — first-hand

Short answer
Use UnionPay cards, such as those from RSK Bank, for favorable exchange rates, and note that VRB ATMs offer higher withdrawal limits compared to other banks. For Mir cards, VRB ATMs are the most reliable option, and QR payments via Russian banking apps remain a functional alternative for merchants.

From real experience

For withdrawals and payments in Vietnam, a Russian Ruble UnionPay card can be useful.
Consider the RSK Bank UnionPay card for favorable exchange rates. For cash withdrawals, a regular Mir card might be more reliable, though VRB ATMs are available but can sometimes be out of cash. Some tour sellers also accept Mir card payments via SBP (local transfer). For card payments, Sberbank's QR payment system works well, while VTB's may have less favorable rates. Some street vendors may accept QR payments or cash.
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For payments in Vietnam, QR transactions via Russian banks (Sber, VTB, MTS) can be slow (up to 1.5 minutes for confirmation).
Payments may sometimes be rounded down by 1 VND, causing merchant verification issues. When using UnionPay at ATMs, note that some terminals require 6-digit PINs; if your PIN is 4 digits, try adding two zeros at the end.
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For Russian bank cards in Nha Trang, Vietnam, VRB (Vietnam-Russia Joint Venture Bank) ATMs allow withdrawals of up to 5,000,000 VND per transaction.
Other local bank ATMs typically limit withdrawals to 2,000,000 VND. Sberbank charges a fixed fee (approx. 200 RUB) per ATM withdrawal operation.
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It is not possible to directly withdraw USD or EUR from VRB (Vietnam Prosperity Joint Stock Commercial Bank) ATMs in Vietnam if the funds are held in a USD or EUR account with another bank, such as T-Bank.
To access these funds, a transfer to your USD or EUR account within VRB is necessary before withdrawal.
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When withdrawing money in Ho Chi Minh City using MIR cards, check for commission fees.
The VRB bank ATM at 107 Nguyễn Đình Chiểu, Phường 6, Quận 3, Hồ Chí Minh is a reliable option, though VRB ATMs are scarce in the city.
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Related topics

💰 Using USD and Banknote Requirements 💱 Currency Exchange Locations and Tips 💰 Paying via QR Codes (Russian Banks) • Exchanging Russian Rubles for Dong • Regional Climate Guide • Importing Vapes and IQOS to Vietnam

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