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Banks
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There are a number of international banks operating in Hanoi, Ho Chi Minh and Nha Trang City with 24hour cash withdrawal facilities, including ANZ Bank in Hanoi, HSBC in Ho Chi Minh City and the Vietcombank in Nha Trang city. Here cash can be withdrawn on Visa and Master cards as well as other cards such as Cirrus.
Withdraw cash advance through ATM: Under VNese law, ATM may only dispense cash in Vietnamese Dong.
ANZ and Vietcombank ATMs enables you to withdraw cash from VISA, MASTER CARD, CIRRUS, PLUS, MAESTRO, JCB, DINNER CLUB through its network, 24 hours per day. While traveler's checks have become somewhat obsolete in many places due to the advent of ATM's, in Vietnam they are quite useful. You can cash U.S. dollar checks at banks in Hanoi (don't know about elsewhere) for a 1.25-1.5% charge. This is no more expensive than using an ATM, once you figure in bank fees. Note that using travelers checks is most useful if you can buy your checks without a commission, which some banks and other organizations (the AAA in the U.S., for example) offer their customers.
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