Currency Exchange in Ho Chi Minh City (Saigon)

Currency exchange in Ho Chi Minh City (Saigon) is a question for visitors on a short stay and for business travelers alike: you'll need dong as soon as you leave the airport.

Money in Ho Chi Minh City: what you need dong for

Ho Chi Minh City, still called Saigon by many, is Vietnam's largest city and its business hub. People come for a few days before a Mekong Delta trip, for work, or as a stopover on the way south. It's easier to find a bank or ATM in a large city, but it's worth agreeing on a suitable partner ATM with your manager in advance — that way you don't waste time searching.

Ways to get dong in Ho Chi Minh City

EXFM has no offices in Vietnam — the exchange is done remotely. You send rubles or Online USD to the details your manager provides, then receive dong in one of these ways:

1. Cash dong from an ATM, no card. Your manager sends a code and instructions, and you withdraw dong at a partner ATM — no bank card and no office visit needed. Before sending funds, tell your manager which ATM you'll be near and when.

2. Paying by VietQR. VietQR is Vietnam's national QR standard and works in most banking and payment apps. Photograph the QR code in a café or shop and send it to your manager — the manager makes the payment, and you settle with EXFM in rubles.

3. Transfer to a Vietnamese account. EXFM sends dong to your account at Vietcombank, BIDV, VietinBank, Techcombank, ACB, VPBank, MB Bank or Sacombank. The account must be opened in your name, and the name must match the sender of the funds exactly.

VietQR payment is available when you settle in rubles; for Online USD, use an ATM or a transfer to your account.

Before you exchange: five rules

• Know the amount in advance. Ask your manager for the rate and the dong amount before the transfer, not after.
• Into dong only. EXFM exchanges rubles and Online USD for dong. Converting dong back into rubles or dollars through the service isn't possible.
• Transfers go to an account in your name. EXFM sends dong only to an account held by the same person who sent the funds.
• Verification on the first exchange. The manager carries out a video verification (KYC) — the procedure is explained in the chat.
• Details only from your manager. Transfer funds to the details your manager sent and verify them before sending: an electronic transfer can't be reversed.

Step-by-step: exchanging in Ho Chi Minh City

1. Contact a manager in a messenger — the contacts are on exfm.app.
2. State how much you want to exchange and in which currency — rubles or Online USD.
3. If you're new to us, the manager runs a video verification (KYC).
4. Decide what suits you: an ATM code, a VietQR payment or a transfer to a Vietnamese account.
5. Send the funds to the details you were given.
6. Collect your dong and keep the confirmation of the operation.

Currency exchange topics in Ho Chi Minh City

• Ho Chi Minh City – Currency Exchange at Tan Son Nhat Airport
• Ho Chi Minh City – Exchange Rubles for Dong in Ho Chi Minh City
• Ho Chi Minh City – Exchange Online USD for Dong in Ho Chi Minh City

Planning a trip and want to sort out dong in advance? Message an EXFM manager — we'll pick a way to receive it that fits your route.