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ACB ATM fee 4.40% in Vietnam

ACB ATM fee for foreign cards is 4.40% (min 100,000 VND) for foreign cards. Limit 5,000,000 VND per withdrawal. DCC: Decline conversion and choose VND. Source date: 2025-08-30.

May be stale
ATM fee — Decision card
May be stale

ACB

ACB ATM fee for foreign cards is 4.40% (min 100,000 VND) for foreign cards. Limit 5,000,000 VND per withdrawal. DCC: Decline conversion and choose VND. Source date: 2025-08-30.

Estimated fee

4.40% (min 100,000 Vietnamese Dong (VND)) for foreign cards

Decision facts

Refuse DCC
Decline conversion and choose VND
Official source date
2025-08-30
Decline conversion and choose VND. On the ATM screen, choose "Without conversion".
Calculate with this ATM

Source: vn-acb (Official check) · Last checked 2025-08-30

Fees, withdrawal limit, and networks

ATM fee
4.40% (min 100,000 VND) for foreign cards
From 30 August 2025, ACB charges an international card issued by another bank 4.4% per withdrawal at an ACB ATM, minimum 100,000 VND, including VAT. Visa cards issued in Vietnam or Europe, Mastercard cards issued in Vietnam, and JCB are exempt. The 4.4% figure is the rate for a Visa issued outside Vietnam and Europe.
Withdrawal limit
5,000,000 VND per withdrawal
Supported networks
Visa / Mastercard

Official answers

How much does an ACB ATM charge a foreign Visa card?
ACB's notice says that, from 30 August 2025, a cash withdrawal at an ACB ATM with an international card issued by another bank costs 4.4% of the amount per withdrawal, minimum 100,000 VND, including VAT. This page uses that 4.4% and the 100,000 VND minimum. The card issuer can still add its own fee. ACB notice (effective 30 August 2025)
Which cards does ACB not charge at its ATM?
The same notice lists no surcharge for a Visa issued by a bank in Vietnam or Europe, a Mastercard issued by a bank in Vietnam, or a JCB card. A Visa issued outside Vietnam and Europe, such as in Japan or the United States, is not in that exempt list. ACB notice (effective 30 August 2025)

DCC check

local currency (VND) may save $0.03

Choose this on the ATM

  • “Decline Conversion”
  • “Continue Without Conversion”

At ATMs in Vietnam, choosing the local currency (VND) usually helps you avoid DCC.

Full DCC guide

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Verified by: akifumi (ATM fee researcher and verifier)