How to avoid DCC at ATMs in Vietnam
DCC check
DCC (Dynamic Currency Conversion) is the ATM's offer to charge you using a dollar-denominated rate. Choose VND (the local currency) so your card network or issuer applies the exchange rate instead. This is often cheaper.
local currency (VND) may save $0.03
Choosing "Decline" still dispenses cash. Declining DCC is different from canceling the withdrawal.
Choose this on the ATM
- “Decline Conversion”
- “Continue Without Conversion”
- “Without Conversion”
ATM English term guide
- WITHDRAWAL
- Withdrawal
- SAVINGS
- Savings account (often debit)
- CREDIT
- Credit / cash advance
- CHECKING
- Checking account
- PIN
- PIN
Estimated for a 2,000,000 VND withdrawal. The actual difference depends on your card's FX terms.
DCC status by ATM
- ACBAvoidableEstimated
- AgribankAvoidableEstimated
- BAC A BANKAvoidableEstimated
- BIDVAvoidableEstimated
- EximbankAvoidableEstimated
- LPBankAvoidableEstimated
- MB BankAvoidableEstimated
- OCBAvoidableEstimated
- SacombankAvoidableEstimated
- TechcombankAvoidableEstimated
- TPBankAvoidableEstimated
- VietcombankAvoidableEstimated
- VietinBankAvoidableEstimated
- VPBankAvoidableEstimated