{"id":2973,"date":"2025-05-23T14:00:59","date_gmt":"2025-05-23T06:00:59","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2973"},"modified":"2025-05-23T14:00:59","modified_gmt":"2025-05-23T06:00:59","slug":"%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/23\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f\/","title":{"rendered":"How can foreigners use local payment methods in Vietnam?"},"content":{"rendered":"<p>Foreigners using local payment methods in Vietnam need to understand the major local payment instruments, account opening requirements and operational restrictions. Below is a specific guide:<\/p>\n<hr>\n<h3><strong>I. Mainstream payment methods in Vietnam<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Bank transfers\/e-wallets<\/strong><\/p>\n<ul>\n<li><strong>Vietcombank, Techcombank and other local bank accounts<\/strong>: Most require proof of residence in Vietnam (e.g. work visa\/temporary residence permit) to open an account.<\/li>\n<li><strong>electronic wallet (e.g. for money)<\/strong>(MoMo, ZaloPay, VNPAY): partially support foreign passport registration, but need to bind Vietnamese bank card or top up through offline recharge points.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Prepaid card\/code payment<\/strong><\/p>\n<ul>\n<li>Purchasing a prepaid phone card (e.g. Vinaphone\/Mobifone) may help to sign up for some services.<\/li>\n<li>Merchant code payment (commonly found in convenience stores\/Grab) is usually linked to one of the above e-wallets.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>cash payment<\/strong><br \/>\nStill widely accepted, especially in smaller cities or traditional markets.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. Restrictions on the use of foreigners and solutions<\/strong><\/h3>\n<ul>\n<li><strong>Authentication issues<\/strong>: Most e-wallets require Vietnam mobile phone number + ID\/residence permit. Can try:\n<ul>\n<li>Register with passport + tourist visa (supported by some platforms).<\/li>\n<li>Purchase of authenticated accounts through proxy services (risky).<\/li>\n<\/ul>\n<\/li>\n<li><strong>Card Binding Restrictions<\/strong>: International credit cards (Visa\/Mastercard) are recommended for some scenarios only:\n<ul>\n<li>Apply for a local Vietnam bank card (if required for long stay).<\/li>\n<li>Payment on behalf of a friend or partner.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>III. Step-by-step operational recommendations<\/strong><\/h3>\n<ol>\n<li>\n<p><em>call<\/em>::<\/p>\n<ul>\n<li>\u2705Priority Cash + Grab\/VinID and other foreign card friendly apps.<\/li>\n<li>\u2705 Purchase e-wallet recharge codes at convenience stores like Circle K\/GS25.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>Permanent residence<\/em>::<\/p>\n<ul>\n<li>\u2705 Open a local bank account on the basis of your work visa and rental contract.<\/li>\n<li>\u2705Tie MoMo\/VNPAY with your bank account to boost your credit limit.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>Online Shopping<\/em>::<br \/>\nThe e-commerce platform Shopee\/Lazada supports cash on delivery (COD) or international card payments.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>IV. Precautions<\/strong><\/h3>\n<ul>\n<li>\u26a0\ufe0f Avoid purchasing \"verified\" accounts through unofficial channels, which may result in the freezing of funds.<\/li>\n<li>\u26a0\ufe0f Small transactions are more likely to be successful, and large transfers require additional identity checks.<\/li>\n<li>\ud83d\udccd Foreign cards are commonly accepted at large shopping centres and chain shops in Hanoi\/Ho Chi Minh City.<\/li>\n<\/ul>\n<p>For high-frequency payments, the safest way is to open a regular bank account and apply for mobile payments.<\/p>\n<h3><strong>V. Detailed operation guide: How to open Vietnam local payment for foreigners<\/strong><\/h3>\n<h4><strong>1. Opening a Vietnamese bank account (applicable to long-term residents)<\/strong><\/h4>\n<p><strong>applicable population<\/strong>: Foreigners holding work visas, investment visas or long-term residence permits.<\/p>\n<h5><strong>Required materials<\/strong>::<\/h5>\n<ul>\n<li>Original passport + valid visa (at least 6 months)<\/li>\n<li>Temporary residence permit\/rental contract (required by some banks)<\/li>\n<li>Tax identification number (if any, can be applied for from the Inland Revenue Department)<\/li>\n<\/ul>\n<h5><strong>Recommended Banks and Account Opening Difficulty<\/strong>::<\/h5>\n<table>\n<thead>\n<tr>\n<th><strong>Name of bank<\/strong><\/th>\n<th><strong>Expatriates Friendliness<\/strong><\/th>\n<th><strong>Minimum Deposit Requirement (VND)<\/strong><\/th>\n<th><strong>note<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Vietcombank (VCB)<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td><del>500,000 (<\/del>$20)<\/td>\n<td>Large number of ATMs and easy access to international transfers<\/td>\n<\/tr>\n<tr>\n<td>Techcombank (TCB)<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<td><del>100,000 (<\/del>$4)<\/td>\n<td>App experience is good, support English<\/td>\n<\/tr>\n<tr>\n<td>TPBank (TPB)<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606\u2606 No Minimum Deposit Suitable for short-term travellers Trial Accounts<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h5><strong>Example of process (using Vietcombank as an example)<\/strong><\/h5>\n<ol>\n<li>\ud83d\udccc Visit a branch to make an appointment to open an account, stating \"M\u1edf t\u00e0i kho\u1ea3n cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\" (Foreigner opening an account).<\/li>\n<li>\ud83d\udcdd Fill in the application form + provide a copy of your passport\/visa.<\/li>\n<li>\ud83d\udcb3 Deposit the initial amount and activate the internet banking service.<\/li>\n<\/ol>\n<p>\u26a0\ufe0f Note: Some branches in smaller cities may refuse to open accounts for non-residents, it is recommended to do so in Hanoi\/Ho Chi Minh City.<\/p>\n<hr>\n<h4><strong>2. Registration of e-wallets (alternative to not requiring a local bank card)<\/strong><\/h4>\n<p>Even if you don't have a Vietnamese bank card, you can still use your e-wallet in the following ways:<\/p>\n<h5><strong>(A) MoMo Wallet - the most popular choice<\/strong><\/h5>\n<p>\u2705 Support foreign passport registration \u2705 Offline cash recharge available<\/p>\n<h6><em>Registration Steps<\/em>::<\/h6>\n<ol>\n<li>\ud83d\udcf1Download MoMo App \u2192 Select \"English\" screen.<\/li>\n<li>\ud83c\udd94 Verify your identity with your Vietnamese mobile phone number + passport information.<\/li>\n<li>\ud83d\udcb5 Top up cash at partner outlets (Circle K, Whole Family, etc.) by showing the QR code.<\/li>\n<\/ol>\n<p>\ud83d\udcccRestriction: Single transaction limit when card is not bundled<del>5,000,000 VND (<\/del>200 USD).<\/p>\n<hr>\n<h5><strong>(B) ZaloPay - Facebook-style Social Payments<\/strong><\/h5>\n<p>\u2705 Interoperability with Zalo Social App \u2705 More discounts at selected merchants<\/p>\n<h6><em>special skill<\/em>::<\/h6>\n<ul>\n<li>\ud83d\udd04 If you can't authenticate your real name, you can try to get your Vietnamese friends to activate your account by sending you red packets through \"Chuy\u1ec3n ti\u1ec1n\" (money transfer function).<\/li>\n<\/ul>\n<hr>\n<h4><strong>(C) GrabPay - Most Expat-Friendly<\/strong><\/h4>\n<p>\u2705 Direct binding of international credit cards (Visa\/Mastercard)<br \/>\n\ud83d\udeab but only for use within the Grab ecosystem (taxi\/takeaway)<\/p>\n<hr>\n<h3><strong>VI. Interim solutions: how to pay without a bank account?<\/strong><\/h3>\n<h4>\u25b6\ufe0f Method 1: \"Virtual card\" top-ups<\/h4>\n<ul>\n<li>\ud83c\udf10Use<a href=\"https:\/\/airpay.vn\/\">Airpay<\/a>maybe<a href=\"https:\/\/viettelpay.vn\/\">ViettelPay<\/a>Purchase an e-commerce prepaid code.<\/li>\n<li>\ud83d\udca1Cash can be exchanged for Digital Cipher at FPT Shop and other agent locations.<\/li>\n<\/ul>\n<h4>\u25b6\ufe0f Method 2: P2P Payment Services<\/h4>\n<ul>\n<li>\ud83e\udd1d Look for trusted agents to pay bills on your behalf through Facebook groups like H\u1ed7 tr\u1ee3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Vietnam.<\/li>\n<li>\u26a0\ufe0f need to be cautious of scams! Small test + face-to-face payment recommended.<\/li>\n<\/ul>\n<hr>\n<h3><strong>Advanced Tips &amp; Troubleshooting<\/strong><\/h3>\n<p>\ud83d\udd39Q1: \"Why does my MoMo always prompt 'X\u00e1c minh kh\u00f4ng th\u00e0nh c\u00f4ng'?\"<br \/>\n\ud83d\udc49 Possible reasons \u2460 Name spelling does not match \u2192 Make sure it is exactly the same as your passport; \u2461 VPN interference \u2192 Close and try again.<\/p>\n<p>\ud83d\udd39Q2: \"Is it possible to transfer funds to VNPAY using an international account such as Wise\/Revolut?\"<br \/>\n\ud83d\udc49No! You must transfer to a local bank in Vietnam via SWIFT before associating your e-wallet.<\/p>\n<p>\ud83d\udd39Q3: \"Can I open an account in Sacombank with a tourist visa?\"<br \/>\n\ud83d\udc49 Extremely difficult! Try banks like Techcombank or ACB in preference, which are more lenient to travellers.<\/p>\n<p>\ud83d\udca1 Expert advice: if frequent cross-border collections are required, consider opening a<a href=\"https:\/\/www.cimb.com.vn\/\">CIMB Vietnam<\/a>(Malaysian Capital), which supports multi-currency accounts.<\/p>\n<hr>\n<h3>\u2728 Summarising decision trees \u2728<\/h3>\n<pre><code>Are you a foreigner in Vietnam and need to pay?<br>\r\n\u251c\u2500\u2500 [Stay &lt;3 months] \u2192 Grab Card + MoMO Cash Recharge + COD Online Shopping<br>\r\n\u251c\u2500\u2500 [Stay &gt;6 months with work visa] \u2192 Vietcombank account opening + VNPAY full function unlocked <br>\r\n\u2514\u2500\u2500 [Unable to open a bank card] \u2192 ZaloPay Social Transfer + P2P Payments for Emergencies <br>\r\n<\/code><\/pre>\n<p>Still have questions? You can write directly to your local agency such as<a href=\"https:\/\/vietnamvisapro.com\/\">Vietnam Visa Pro<\/a>Get a customised solution (not advertised \u26a0\ufe0f for your own screening).<\/p>","protected":false},"excerpt":{"rendered":"<p>Foreigners using local payment methods in Vietnam need to understand the mainstream local payment instruments, account opening requirements...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-2973","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5916\u56fd\u4eba\u5982\u4f55\u4f7f\u7528\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u65b9\u5f0f\uff1f - 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