VietnamVNDVietnamese Dong
Thousands of Russians live in Vietnam - in Ho Chi Minh City, Nha Trang, and Da Nang. Mir cards don't work everywhere, and ATMs in Nha Trang are hit or miss. ATM24 dispenses VND cash through our partner network in major cities and sends USDT to those working remotely or paying Vietnamese partners. The dong exchange rate is fixed before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Vietnam is one of Asia's most dynamically developing fintech markets. The main audience for transfers to the country includes Russians working in the tourism sector in Da Nang and Nha Trang, students, and entrepreneurs and businesses in Ho Chi Minh City and Hanoi. VND (Vietnamese dong) is Vietnam's national currency with a low denomination: the page-load calculation for 1 USD in VND is 23,825.08 VND, so large amounts in dong appear as multi-digit numbers — which is normal for this currency. MoMo is one of Vietnam's largest super apps with an audience of over 30 million users: money transfers, QR payments, installment plans, bill payments, and delivery. ZaloPay is a popular payment service integrated with the Zalo messenger, often called the Vietnamese equivalent of WhatsApp. Vietcombank and VietinBank are major state-owned banks in Vietnam with extensive branch networks and support for international SWIFT transfers. The country's business center is Ho Chi Minh City, the administrative center is Hanoi; major bank offices are represented in both cities.
After 2022, direct correspondent relationships between Russian and Vietnamese banks have decreased, so transfers may be routed through additional correspondent banks and partner channels. Settlement through SWIFT correspondents takes several business days after processing the request; the exact timeframe depends on the route and recipient's bank. The availability of a specific transfer method to Vietnam through ATM24 is clarified when submitting the application.
Vietnam's payment ecosystem: banks, cash, e-wallets, and transfers. Country — Vietnam. Receiving currency — VND (Vietnamese dong). Sending currency — RUB, USD, and USDT. Transfer method — VND cash, bank account, or USDT. ATM24 commission — from 0.9%. Settlement time — from a few minutes for available card and cash channels; to bank account via SWIFT — several business days.
Vietnam's payment ecosystem: main payment systems and services. MoMo super app — one of Vietnam's largest fintech services with an audience of over 30 million users: money transfers, QR payments, installment plans, and bill payments. ZaloPay — an e-wallet of the Zalo ecosystem, Vietnam's WhatsApp equivalent, widely used for in-store and online payments. VNPay — one of Vietnam's largest payment gateways for e-commerce, bank cards, and QR payments. ShopeePay, formerly known as AirPay, — an e-wallet of the Shopee ecosystem, popular for online shopping, payments, and delivery services. Financial regulator — State Bank of Vietnam (SBV), regulating the banking sector and the country's payment system. Banks in Vietnam typically operate Mon–Fri from 8:00 to 17:00; some banks operate on Saturdays from 8:00 to 12:00, and MoMo is available 24/7.
Visa and Mastercard from Vietnamese banks: Vietcombank, Techcombank, BIDV, VietinBank. You need 16 card digits and the recipient's full name. VND settlement — within a few minutes, the ruble to dong rate is fixed before payment
Required: account number, bank name, recipient's full name. Major banks: Vietcombank, Techcombank, BIDV, VietinBank, Agribank. VND settlement time — clarify with your manager on the route
VND cash dispensed in major Vietnamese cities through our partner network. Convenient for rent, daily expenses, and initial funds upon arrival. Current pickup locations — ask your manager when submitting the application
In Vietnam, it's most convenient to agree on the delivery method in advance: ask the recipient if they have a bank account with Vietcombank or Techcombank, or if they prefer to receive VND cash. An ATM24 manager will help you choose the optimal route.
We accept RUB, USD, EUR and USDT — we pay out in VND
RUB VND
268.37per 1 RUB
10 000 ₽ = 2 683 676 VNDUSD VND
23,825.08per 1 USD
100 $ = 2 382 508 VNDEUR VND
27,406.71per 1 EUR
100 € = 2 740 671 VNDUSDT VND
23,825.08per 1 USDT
100 USDT = 2 382 508 VND| You send | Payout in VND |
|---|---|
| 100 USDT | 2 382 508 VND |
| 300 USDT | 7 147 523 VND |
| 500 USDT | 11 912 538 VND |
| 1 000 USDT | 23 825 075 VND |
| 5 000 USDT | 119 125 377 VND |
Where recipients usually get the money in Vietnam
Vietnam's largest commercial bank by volume of international transactions. Accepts SWIFT transfers (BFTVVNVX). Branches in all major cities.
State-owned commercial bank with a developed international network (SWIFT ICBVVNVX). Accepts transfers in USD, EUR, VND.
BIDV — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
One of Vietnam's leading private banks. Accepts SWIFT transfers (VTCBVNVX). Actively expanding international operations.
MB Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National Currency
Vietnam's national currency is the Vietnamese dong (VND).
Card Systems
Mir cards in Vietnam may be serviced by certain ATMs, but reliable operation is not guaranteed and depends on the specific bank, applicable limits, and current payment infrastructure settings.
Payment Applications
USD may be unofficially accepted in select tourist areas; however, official transactions within the country are conducted in VND.
Interbank Transfers
Major Vietnamese banks Vietcombank and BIDV have extensive branch networks across the country, and Techcombank is popular among digital nomads and foreigners in Ho Chi Minh City and Da Nang.
Financial Regulator
State Bank of Vietnam (SBV) — the central bank and principal financial regulator. SBV licenses commercial banks, regulates the foreign exchange market, and oversees the country's payment systems.
Special Features for ATM24
Vietnam restricts VND export from the country — foreign currency imports are regulated by SBV. Transfers are accepted by Vietcombank, BIDV, Techcombank, and VPBank via SWIFT. For amounts exceeding the equivalent of 5,000 USD, banks request documentation on the transfer's purpose. ATM24 clarifies recipient details and transfer purpose before confirming the application.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
All good, everything worked out, manager Stanislav is a great guy.
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I highly recommend this service! A courier was found very quickly, the exchange took about 10-15 minutes. So don’t be afraid! Everything works perfectly!
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Convenient, clear, fast, reliable. Thanks to manager Ekaterina and the courier.
Read full reviewUsed the service for the first time. Everything is very clear, operator Ekaterina helped and guided me. Good rate, everything honest, fast. I recommend it. Many thanks to Ekaterina!
Read full reviewOperator Ekaterina. Dubai, received dirhams, everything clear and understandable. But watch the rate carefully for commissions!
Read full reviewTopped up AliPay. Everything went quickly and clearly. Operator Ekaterina told me where and what to press and which screenshot to send. I recommend this service. Everything suited me.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
Country not found
We've compiled answers to frequently asked questions about dong, cash, and transfers to Vietnam.
To send money to Vietnam with payout in VND through ATM24, prepare the recipient name, bank, card or account details, and preferred route. The manager checks Vietcombank, VietinBank, Techcombank, or another bank, confirms the VND amount, fee from 0.9%, and timing from 15 minutes before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
For Vietnam, a VND transfer can be checked through a bank account, supported card route, or another available payout channel. ATM24 reviews Vietcombank, VietinBank, Techcombank, BIDV, and the recipient-name format before payment. The manager confirms whether the VND payout route accepts the provided account or card details. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
VND transfers to Vietnam can be checked through Vietcombank, VietinBank, Techcombank, BIDV, and Agribank. ATM24 reviews recipient-name format, card payout, and bank-account payout separately. The selected Vietnamese bank route is confirmed before payment.
For a VND transfer to Vietnam, ATM24 checks recipient-name format, Vietcombank, VietinBank, Techcombank, BIDV, card payout, or account payout. Vietnamese bank-name formatting and account details can affect review. The manager confirms the VND route before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
A VND transfer to Vietnam can start from 15 minutes when Vietcombank, VietinBank, Techcombank, BIDV, card payout, or account payout is confirmed. Recipient-name format and bank response can affect timing. The manager confirms the expected VND payout time before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
The ATM24 fee for sending money to Vietnam with payout in VND starts from 0.9%. Vietcombank, VietinBank, Techcombank, card payout, and account payout may require different recipient-name formats, so the manager calculates the VND amount by route. International-card conversion or bank-transfer fees may be charged by the sender's provider. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
Yes, payment can be arranged by an available card, bank transfer, USDT, or another confirmed method while the recipient receives VND in Vietnam. ATM24 checks Vietcombank, VietinBank, Techcombank, BIDV, card payout, account payout, and recipient-name format before payment. Any issuer or sending-bank fee is separate from the VND amount. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
For Vietnam, ATM24 accepts VND transfers from 100 USD or the equivalent. The maximum amount depends on Vietcombank, VietinBank, Techcombank, BIDV, account payout, card payout, and the recipient-name format. If the VND route changes, the manager recalculates the limit and final payout amount before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
For a large VND transfer to Vietnam, ATM24 checks recipient-name format, Vietcombank, VietinBank, Techcombank, BIDV, card payout, or account payout. Documents may include sender ID, source-of-funds details, recipient data, and payment purpose. The manager confirms the VND route before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
For a 1000 USD transfer to Vietnam, the VND estimate depends on Vietcombank, VietinBank, Techcombank, BIDV, card payout, or account payout: 23,825,075.33 VND. ATM24 checks recipient-name format, fee from 0.9%, and exchange conditions. The final VND amount is confirmed before payment. Bank-route examples for Vietnam: Vietcombank, VietinBank, Techcombank, Vietnam Bank for Social Policies, and Vietnam Development Bank.
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