🇻🇳 Monzo in Vietnam [Discussion]

Just arrived in Vietnam. Monzo working well so far. If you fly in to HCMC the free cash machines are a little hard to find (or I was very sleep deprived). Inside the international terminal there are only Citibank machines which charge.

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Just returned from Vietnam. Monzo worked wonderfully (I am a newbie btw) until I requested an amount in excess of my balance. Rather than rejecting the request due to insufficient funds and returning the card which would happen in the UK, and I imagine most countries, I received a message in capital letters “THIS CARD IS HOT” and it got sucked into the machine. This occurred on a Friday evening and we made tracks on Sunday meaning I couldn’t visit the bank during working hours, and we were off the beaten track for the majority of the remainder of our trip. For the record, the ATM machine in question is operated by BIDV. In summary, if using this machine make sure you have slightly more than the GBP equivalent of 2m VND in your Monzo account.


Hi Conor, thanks for this feedback, this certainly isn’t something I’ve heard of happening before so will be really helpful to add to the profile! Did you manage to freeze your card afterwards? Even if there is hardly any cash left on the card, it’s an important precaution :slightly_smiling_face:

I’m going there in October. Thanks for the heads up about the taxi’s. Last year some twat in Cambodia tried to take us to somewhere off the grid. I had to almost strangle him before he understood the word no.

From my research, Monzo seems to be the way to go with travel! I have one big concern; if I lose my card in Vietnam (I am going in a few weeks), will I be able to get a replacement while I am out there?

As long as it’d get to you in time then yes, it looks like they would :tada:

Since Monzo’s still in beta, you should carry a spare card too though.

Yes I was planning on bringing my normal debit too as a back up, I guess it depends how long it takes to arrive, or if you could go somewhere to get a replacement or something. Thank you!!

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Hopefully you won’t have to find out :crossed_fingers: but I’m sure the support team will let you know if it happens :slightly_smiling_face:

Hi, we are going out to Vietnam end of October, so I would be really interested to hear your opinion on how you get on with Monzo out there :slight_smile:

Of course! My pal already uses Monzo for travelling and thinks it’s great so we’ll both be using it there.

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This post really helped me out when I was travelling in North Vietnam last week (Hanoi, Sa Pa, Ha Long Bay, Cat Ba Island)! I’d like to add a few updates from my own experience:

-In Hanoi I couldn’t seem to find many Military Bank ATMs near where I was staying in the Old Quarter
-An SeA ATM wanted to charge me 33k VND for a withdrawal (maybe they have updated this recently?)
-I only used VP bank and TP bank ATMs in Hanoi which are both free to withdraw from

Mind you, 33k sounds a lot until you look at the exchange rate which is 26k per £, so it equates to £1.50, £2 max.

Is it possible to have more than one Monzo card on the same account, does anyone know?

Answer is ‘nope’ as of right now and in nearest Current Account future. More info and ideas can be found in topics below, feel free to leave more feedback in those topics :smiley: :

I’m currently in Vietnam and it looks like SeA bank have started charging for foreign cards. I’ve tried it twice now and both times I was charged 49,500 dong for the withdrawal. VP bank and MB are both still free so I would recommend using them. I think MB has the higher withdrawal limit though and offers smaller denominations of notes


I concur with Ollie, SEABank seem to charge 49500 VND for Monzo withdrawals. The ATMs themselves still say free for European cards so I’m not sure where the charges come from…

VPBank and MB bank both worked well for us - there were plenty in Hanoi and Saigon, and a fairly convenient MB bank atm in Hoi An. In Hue the ATMs were a bit out from where we were, so the tip to get money out before was a good one.

What notes we got was pretty pot luck though, both banks just gave us 500 000 notes on occasion, and sometimes gave us a good selection of notes so I don’t think it can be relied upon!

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Used my monzo in Vietnam several times,so far not a problem, just wish could have 2cards one account ( Mr & Mrs ) must be possible in this techi world !!


You can get 2 cards if you and Mrs have separate accounts. :wink: Here are some topics you might find related/useful, feel free to drop more feedback in there! :smiley:

UBER works well in Vietnam and can be rediculously cheap but it’s worth verifying location addresses with google maps first.


We found the same. It’s much better to use Uber than the local taxi’s but we found a couple of times that the address we added to go to the right place so it’s worth verifying.

We’re in OZ now, the “knowledge” is much better but in Sydney public transport is cheapest. Their Opal card can be topped up with Monzo with no charge.

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