{"id":3307,"date":"2025-06-12T08:31:05","date_gmt":"2025-06-12T00:31:05","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3307"},"modified":"2025-06-12T08:31:05","modified_gmt":"2025-06-12T00:31:05","slug":"%e8%b6%8a%e5%8d%97%e5%b8%b8%e8%a7%81%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f%e4%bd%bf%e7%94%a8%e6%94%bb%e7%95%a5","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/12\/%e8%b6%8a%e5%8d%97%e5%b8%b8%e8%a7%81%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e6%9c%89%e5%93%aa%e4%ba%9b%ef%bc%9f%e4%bd%bf%e7%94%a8%e6%94%bb%e7%95%a5\/","title":{"rendered":"What are the common payment tools in Vietnam? Tips for use"},"content":{"rendered":"

Payment tools in Vietnam have developed rapidly in recent years, with both localised e-wallets and international payment methods. Here are the main tools and tips on how to use them:<\/p>\n

\n

I. Mainstream payment instruments<\/strong><\/h3>\n

1. Cash (Ti\u1ec1n m\u1eb7t)<\/strong><\/h4>\n
    \n
  • specificities<\/strong>: Vietnam is still a cash-dominated society where cash is commonly used for small transactions (especially by street vendors, taxis, etc.).<\/li>\n
  • directions<\/strong>::\n
      \n
    • Exchange Vietnamese dong (VND) in advance, US dollars can also be used in some tourist areas but the exchange rate is not good.<\/li>\n
    • Choose a fee-free bank for ATM cash withdrawals (e.g. TPBank, VPBank, etc.).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

      2. Bank card (Th\u1ebb ng\u00e2n h\u00e0ng)<\/strong><\/h4>\n
        \n
      • Common Card Types<\/strong>::\n
          \n
        • Local cards: Debit\/credit cards issued by Vietcombank, Techcombank, etc.<\/li>\n
        • International cards: Visa\/Mastercard\/JCB (common to large shopping centres and hotels).<\/li>\n<\/ul>\n<\/li>\n
        • take note of<\/strong>::
          \nSome POS machines may reject cards issued abroad.<\/li>\n<\/ul>\n

          3. Mobile wallet<\/p>\n

          (1) MoMo<\/h5>\n

          -Market share over 50%, function similar to paypal
          \nFeatures.
          \n-Sweeping code payment (support inter-personal transfer)
          \n-Mobile phone top-up\/utility bill payment
          \n-Cross-border remittance (support China-Vietnam corridor)
          \nRegistration: need to bind Vietnam mobile phone number + ID\/passport<\/p>\n

          (2) ZaloPay<\/h5>\n

          Payments feature of social software Zalo
          \nAdvantageous scenarios.
          \n-Fast money transfer with Zalo friends
          \n-Over 200,000 offline co-operative merchants<\/p>\n

          (3) ViettelPay<\/h5>\n

          A product of telecoms operator Viettel
          \nHighlights.
          \nExtra discount on top-ups
          \nAccessible from 140,000 agent outlets nationwide<\/p>\n

          4. Bank App Direct Transfer
          \nDirect Debit via Mobile Banking
          \nPopular Apps.
          \n-Vietcombank
          \n-MBBank
          \n-TPBank<\/p>\n

          Operation Procedure:Enter the payee's mobile phone number or scan the QR code to complete the payment.<\/p>\n

          \n

          II. Scenario-based application guidelines<\/p>\n\n\n\n\n\n\n\n
          take<\/th>\nRecommendation<\/th>\nnote<\/th>\n<\/tr>\n<\/thead>\n
          Vegetable markets\/street stalls<\/td>\nCash or MoMo<\/td>\nPreparation of small notes<\/td>\n<\/tr>\n
          chain of convenience stores<\/td>\nZaloPay\/ViettelPay<\/td>\nAll family\/CircleK support<\/td>\n<\/tr>\n
          online shopping order<\/td>\nCredit card or COD cash on delivery<\/td>\nlazada\/shopee platform<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
          \n

          III. Tips for foreign visitors
          \n1. For short-term stays, cash + Visa card combination is preferred
          \n2. Long-term residents can register for MoMo after applying for a local SIM card (passport authentication required).<\/p>\n

          Latest News:Pilot interoperability between UnionPay QR code and Vietnam's local wallets from 2023, Chinese tourists are expected to pay directly by scanning the code in the future.<\/p>\n

          Okay, then to add more practical details and latest trends of payment tools in Vietnam:<\/p>\n

          \n

          IV. Exclusive solutions for foreign tourists<\/strong><\/h3>\n

          1. Cross-border payment instruments<\/strong><\/h4>\n
            \n
          • UnionPay<\/strong>::\n
              \n
            • Over 80% ATMs and 500,000 merchants in Vietnam accept UnionPay cards (especially in tourist cities).<\/li>\n
            • Some merchants support UnionPay QR codes from 2023 (e.g. VinMart supermarkets, pharmacy chains).<\/li>\n<\/ul>\n<\/li>\n
            • Alipay\/WeChat Payment<\/strong>::\n
                \n
              • Limited to a few areas where Chinese tourists congregate (Hanoi's Hoan Kiem Lake shopping area, Ho Chi Minh's Pham Ngoc Lao Street, etc.).<\/li>\n
              • tip<\/em>: When scanning a merchant's QR code, you can pay directly if the price is displayed in \"VN\u0110\", but if it is displayed in RMB, you may incur a high exchange rate fee.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                2. Interim electronic purse programme
                \n- WISE International Money Transfer App
                \nConvert to VND after top-up with a foreign bank card
                \nAdvantage:Real-time exchange rate is better than the airport exchange point<\/p>\n

                - Airwallex Virtual Card
                \nSuitable for e-commerce shopping, support multi-currency settlement<\/p>\n

                \n

                V. Handling fee guide to avoid pitfalls
                \n|Operations |Typical Costs |Money Saving Tips |
                \n|—|—|—|
                \n|ATM Cash Withdrawal |Single 30,000-60,000 VND Fee |Choose a fee-free bank (e.g. SeABank) |
                \n|Credit Card Spending |1.5%-3% Currency Conversion Fee |Prioritise cards with no foreign exchange fees |
                \n|MoMo Top Up |Counter Cash Top Up 1% Commission | Switch to Internet Banking Free |<\/p>\n

                \n

                VI. New changes for 2024<\/p>\n

                  \n
                1. \n

                  Digital VND pilot<\/strong>
                  \nVietnam's central bank is testing CBDC (Central Bank Digital Currency), which may distribute government subsidies through e-wallets in the future.<\/p>\n<\/li>\n

                2. \n

                  Biometric payments on the rise<\/strong>
                  \nSome high-end shopping malls (e.g. Takashimaya in Ho Chi Minh City) already support fingerprint\/face recognition payments.<\/p>\n<\/li>\n

                3. \n

                  Progress in China-Vietnam connectivity<\/strong>
                  \nGuangxi's border areas are piloting a special digital wallet for the \"Border Mutual Market\", which may be extended to the tourism scene in the future.<\/p>\n<\/li>\n<\/ol>\n

                  \n

                  VII. Security reminders
                  \n1\ufe0f\u20e3Watch out for \"card cloning\" scams: try to swipe your card at regular shops and avoid taking the card out of sight.<\/p>\n

                  2\ufe0f\u20e3 eWallet Fraud Prevention Essentials:<\/p>\n

                    \n
                  • MoMo officials will never ask for an OTP verification code<\/li>\n
                  • ZaloPay transfers require double confirmation of avatar and name.<\/li>\n<\/ul>\n

                    3\ufe0f\u20e3 Emergency channel freeze:
                    \n- For bank cards call the bank hotline (+84) 24 3944 6699 (Vietcombank)
                    \n- MoMo Customer Service Fast Track:Dial *151#<\/p>\n

                    If you need a hands-on demo of a specific scenario (e.g., paying a Grab driver with MoPo), let me know the part of the use you care most about~!<\/p>","protected":false},"excerpt":{"rendered":"

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