VietinBank ATM fee 4% in Vietnam

Official answers

How much does a VietinBank ATM charge a card issued abroad?

VietinBank's international-card payment schedule, row 1, lists a cash withdrawal at a VietinBank ATM by a card issued by another bank as 4% of the amount, minimum 80,000 VND. The column heading says the fee excludes VAT. The footnote says the system charges this automatically to Visa, Mastercard, and DCI cards issued abroad, effective 22 April 2026. This page uses 4% and the 80,000 VND minimum, excluding VAT. The card issuer can still add its own fee. VietinBank international-card payment schedule (effective 22 April 2026)

Is the 3.64% on the same VietinBank schedule the ATM fee?

No. Row 2 is a cash advance at a VietinBank POS. A card issued by another bank is 3.64% of the amount there, and a card VietinBank issued is free. The ATM withdrawal is the separate 4% line, minimum 80,000 VND, excluding VAT. The ATM footnote names Visa, Mastercard, and DCI cards issued abroad. It does not name JCB, so this page does not apply the 4% figure to JCB. VietinBank international-card payment schedule (effective 22 April 2026)