Withdrawing Money with Wise in Vietnam: Fees and Tips for Travelers from Japan

This article was reviewed on 22 October 2025. Information may have changed since publication. Please verify with the relevant provider.

Planning a trip to Vietnam from Japan and wondering how much cash you'll need or whether ATM fees are expensive? These money concerns are common among travelers from Japan visiting Vietnam.

This guide explains everything you need to know about how to withdraw money in Vietnam, from minimizing ATM fees to avoiding common pitfalls like card skimming and Dynamic Currency Conversion (DCC). We'll show you exactly how to withdraw money with Wise using your Wise card at Vietnamese ATMs while getting the best exchange rates.

Whether you're exploring Hanoi's street food scene or relaxing on Phu Quoc's beaches, you'll learn how to access your JPY funds easily and affordably. Read on to discover how travelers from Japan can make the most of their money in Vietnam.

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Table of contents
Can I Use My Japanese Wise Card to Withdraw Money in Vietnam? How to Withdraw Money from ATMs in Vietnam Using Your Wise Card Withdraw Money with Wise in Vietnam: Understanding the Fees Benefits of Using Your Japan Wise Card in Vietnam Conclusion

Can I Use My Japanese Wise Card to Withdraw Money in Vietnam?

Yes, your Japan-issued Wise debit card works in Vietnam. You can withdraw money with Wise at ATMs displaying the Mastercard logo, and use it at most stores and restaurants accepting card payments. This means travelers from Japan don't need to carry large amounts of cash throughout their trip.

What makes the Wise card particularly useful for travelers from Japan is the ability to hold and manage around 40 currencies in one account. Before leaving Japan, you can convert JPY to Vietnamese dong (VND) at the mid-market exchange rate. Once you have VND in your account, you can withdraw money in Vietnam without additional conversion fees.

If your VND balance runs low while traveling, Wise automatically converts from other currencies in your account (such as JPY) using the mid-market exchange rate with a small, transparent fee. This flexibility ensures you can always access cash when you need it, whether you're withdrawing money with Wise from an ATM in Ho Chi Minh City or paying for a meal in Da Nang.

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How to Withdraw Money from ATMs in Vietnam Using Your Wise Card

Using your Wise card to withdraw money in Vietnam is straightforward. Here's how to withdraw money with Wise at Vietnamese ATMs:

1. Insert your card: Place your Wise card into the ATM. Before inserting, quickly check the card slot for any suspicious devices.
2. Select language: Choose "ENGLISH" for easier navigation.
3. Enter PIN: Enter your 4-digit PIN while covering the keypad with your hand to prevent others from seeing.
4. Choose transaction type: Select "CASH WITHDRAWAL."
5. Select account type: Since Wise is a debit card, choose "SAVINGS."
6. Enter amount: Input the amount you want to withdraw in Vietnamese dong.
7. Confirm fees and proceed: The ATM may display a local fee. Review it and select "YES" to continue.
8. Collect card and cash: In Vietnam, ATMs typically dispense your card first, then the cash. Don't forget to take your card.

Note: Most ATMs in Vietnam have a withdrawal limit of around 2,000,000 VND (approximately 12,000 JPY) per transaction.

Important: Avoid DCC (Dynamic Currency Conversion) & Watch for Skimming

When you withdraw money with Wise in Vietnam, the ATM may offer to charge you in JPY instead of VND. This is called Dynamic Currency Conversion (DCC). While it seems convenient for travelers from Japan, it uses exchange rates set by the ATM operator or bank that include a markup, costing you more money.

If you see an option to pay in JPY, always select "NO" or "Decline" and continue the transaction in Vietnamese dong (VND). This ensures you get Wise's mid-market exchange rate instead.

Bank branches offer better ATM security, with staff nearby who can help if your card gets stuck or other issues arise.

When entering your PIN, always cover the keypad with your hand, and check the card slot and keypad for any unusual attachments before use.

Best ATMs to Withdraw Money with Wise in Vietnam

Vietnam has many bank ATMs, and the fees charged by the ATM operators vary significantly. Here are some options that typically charge lower fees:

• AGRIBANK (Vietnam Bank for Agriculture and Rural Development) ¹: Often has lower ATM fees compared to other banks in Vietnam, with extensive ATM coverage nationwide.
• VIB (Vietnam International Bank) ²: Also typically offers lower fees, though ATMs are less widely available.

On the other hand, BIDV (Bank for Investment and Development of Vietnam) charges higher fees.³ BIDV charges 3% of the withdrawal amount, with a minimum fee of 50,000 VND (approximately 300 JPY). If you must use BIDV, withdraw larger amounts to minimize the impact of fees.

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Withdraw Money with Wise in Vietnam: Understanding the Fees

The Wise card fee structure for ATM withdrawals is based on your monthly usage.^4-5

For withdrawals up to 30,000 JPY per month

Condition	Fee
First 2 withdrawals per month	Free
3rd withdrawal onwards	70 JPY per withdrawal

For withdrawals exceeding 30,000 JPY per month

Condition	Fee
Amount over 30,000 JPY	1.75% of the amount exceeding 30,000 JPY
3rd withdrawal onwards	70 JPY + 1.75% fee applies

Wise vs Credit Cards: Withdrawing Money in Vietnam

Here's how the Wise debit card compares to typical credit card cash advances when you withdraw money in Vietnam:

	ATM Fee	Exchange Rate	Interest
Wise Debit Card	2 free withdrawals/month up to 30,000 JPY total	Mid-market rate Conversion fee: From 0.73%	None
Credit Card	110 JPY (under 10,000 JPY) 220 JPY (over 10,000 JPY)	Card network rate May include markup	Typically 18.0% APR

Additionally, Vietnamese banks that operate the ATMs may charge their own fees.

Why Choose Wise to Withdraw Money in Vietnam?

When comparing overseas ATM withdrawal options, it's important to understand not just the amounts, but how fees are calculated and when they apply.

With Wise: Transparent fees you can see before you transact

When you use the Wise app to convert 30,000 JPY to VND, you'll see the exact conversion fee upfront (for example, 251 JPY). This transparency means you know your costs before completing the transaction.

If your ATM withdrawal falls within Wise's free allowance and the Vietnamese bank doesn't charge an ATM fee, your total cost could be zero when you already hold VND in your account.

With Credit Cards: Multiple fees calculated after withdrawal

Credit card cash advances don't show the total cost at the time of withdrawal. The final amount depends on:

1. Foreign transaction fee (included in the exchange rate)
2. Card issuer's ATM usage fee
3. Daily interest charges until repayment
4. Local ATM operator fee

This makes it difficult to calculate the total cost immediately, and these various fees typically result in higher overall costs.

Try the Wise card 💳

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Benefits of Using Your Japan Wise Card in Vietnam

Using your Wise card to withdraw money in Vietnam offers several practical advantages for travelers from Japan:

• Multi-currency account lets you convert JPY to VND at the mid-market rate
• Withdraw Vietnamese dong from local ATMs with transparent fees
• Pay at shops and restaurants throughout Vietnam
• Convert leftover VND back to JPY through the app
• No interest charges unlike credit card cash advances

With a Wise account, you can hold around 40 currencies simultaneously. This allows you to convert JPY to Vietnamese dong when exchange rates suit you, even before leaving Japan. Conversions use the mid-market exchange rate with a small, transparent fee.

When you need cash during your Vietnam trip, you can withdraw money with Wise from local ATMs. The first 2 withdrawals per month, up to 30,000 JPY total, have no Wise fees.

Paying at Vietnamese restaurants and shops is straightforward. Since the Wise card is a debit card, you can only spend what's in your account, helping you stick to your budget. If you lose your card, you can immediately freeze it through the Wise app.

After your trip, any leftover Vietnamese dong in your Wise account can be converted back to JPY within the app at the mid-market rate.

The Wise card has no annual or maintenance fees. You'll only pay a one-time card issuance fee of 1,200 JPY when you first order your card.

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Conclusion

The Wise card provides a practical solution for travelers from Japan who need to withdraw money in Vietnam. With the mid-market exchange rate and transparent fee structure, you know exactly what you'll pay when you withdraw money with Wise at Vietnamese ATMs.

While cash is still necessary in many situations in Vietnam, you can use your Wise card for payments where accepted and withdraw money in Vietnam from ATMs when you need cash. This approach reduces the need to carry large amounts of cash and saves time searching for currency exchange offices.

For travelers from Japan planning a trip to Vietnam, the Wise debit card offers a straightforward way to manage your money abroad with clear, upfront fees and no hidden costs.

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This article was created based on the Japanese article posted on September 4, 2025, using AI tools: https://payout-surge.live/jp/blog/withdraw-money-with-wise-in-vietnam. While our staff have proofread and edited this content to ensure accuracy and usefulness, we do not represent or warrant, whether explicitly or implicitly, that this content is accurate, complete, or up-to-date. If you require professional opinions or advice, please consult a financial advisor or other specialists.

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10. How to use overseas cash advance! Explaining fees, ATM procedures, and comparison with currency exchange