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MIR Card Cash Withdrawals & Exchange Optimization in Vietnam: real experience from chats

Short answer
To get favorable exchange rates when withdrawing VND with Russian bank cards, perform transactions during Russian banking hours. Using VTB or Tbank accounts and VRB ATMs is recommended to minimize or avoid potential commissions.

From real experience

To exchange crypto to VND: Open a VND account in Tbank during business hours, top it up from a RUB account.
Link a Mir card to the VND account and withdraw from VRB ATMs. Withdraw amounts equivalent to 3000 RUB (approx. 1.5 million VND) or more to avoid fees. This method is reported to be more favorable than Sberbank.
✓ 2 reports from chats
When using Tinkoff cards in Vietnam, direct withdrawals may have unfavorable conversion rates.
Converting from a Ruble account to a VND account (if available) might avoid commissions. Exchanging USD for VND is often more advantageous. The exchange rate for Tinkoff cards to VND is better during Russian banking hours (e.g., 334.2 VND/RUB) and significantly worse outside these hours (e.g., 310 VND/RUB). It is recommended to perform exchanges during Russian bank operating hours.
✓ 1 report from chats
When withdrawing Vietnamese Dong (VND) using Russian bank cards in Vietnam, be aware of potential fees and exchange rates.
Some users reported withdrawing VND using VTB cards at a rate of approximately 331 VND per RUB, with no reported commission. However, other users suggest checking with Sberbank, which might charge a commission of around 200 RUB per withdrawal. It is advisable to confirm the latest fee structure and exchange rates with your specific bank before making withdrawals.
✓ 1 report from chats

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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