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SteveK

Using Thai bank card in Cambodia/Vietnam

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Hi,

 

I am interested to find out whether or not you can use a Thai bank card in an ATM in either Cambodia or Vietnam. Has anyone done so? Also, what are the charges levied for doing so? Just doing some research for my plan B.

 

Thanks.

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i don't see why not.

it is not about your Thai bank but about whether your card supports visa or mastercard.

if the atm supports the same service you should be fine.

i used my Thai bank card in Vietnam but it was a long time ago.

Certainly in Cambodia you can. It will be the same international system.

also you need to watch out for bank charges from either the atm or your Thai bank or maybe both.

 

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Yes you can use Thai Bank Debit cards in both countries. In Cambodia, VISA and MASTERCARD ATM's are abundant in the resorts. Union Pay (Chinese) is listed but being a regular visitor I, personally, have experienced problems with UP (which I have now ditched in favor of a Bangkok Bank Mastercard). No problems with Visa and Mastercard in Vietnam. In Cambodia the general transaction fee is US$4 also younhave the choice of US$ or Cambodian Riels.

Edited by Burma Bill
additional information

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I've been using my Kasikorn Bank Visa debit card in Cambodia and Vietnam. Never a problem, but it might not always be the cheapest option.

 

ATM limits in Vietnam are very low, so I don't use ATMs there often. ATMs in Cambodia are great in comparison, you can draw USD and the limits are decent. If you use ABA, they now even show you your remaining balance in Baht after the withdrawal. Otherwise I just check with Kasikorn Bank's app on my phone.

 

Kasikorn Bank charges a 100 Baht flat fee for any ATM withdrawal abroad. The foreign bank operating the ATM usually also charges a fee that is displayed and needs to be confirmed before the transaction goes through. Typically about $5 in Cambodia.

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12 hours ago, SteveK said:

use a Thai bank card in an ATM in either Cambodia or Vietnam.

I did it in Vietnam last weekend.

Bangkok Bank VISA debit card, in a BIDV Atm, withdrawel limit was 2M dong and cost 60kvnd +6% at the VIet end, and 100bht at the Thai end.

Which worked out at 694kvnd/1000bht, best I ever managed changing notes was 704kvnd/1000bht, so not much difference.

2M dong in cash debited 2,879bht from my Thai bank account.

Edited by BritManToo
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Use Citibank, HSBC or ANZ ATM machines. The per-withdrawal limits are much higher (8-10M) than local banks. There are 2 Citibank ATM's right after customs at Saigon airport.

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30 minutes ago, BritManToo said:

I did it in Vietnam last weekend.

Bangkok Bank VISA debit card, in a BIDV Atm, withdrawel limit was 2M dong and cost 60kvnd +6% at the VIet end, and 100bht at the Thai end.

Which worked out at 694kvnd/1000bht, best I ever managed changing notes was 704kvnd/1000bht, so not much difference.

2M dong in cash debited 2,879bht from my Thai bank account.

Correction 60k fee + 6k vat. 

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Do it all the time with my SCB debit card

 Howerer the 1st time you go aeay you must notify them you are planning to use overseas. Once done can use in most places

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I have used my KTB debit card in both countries, but hidden charges were exorbitant :amounted to 7% of withdrawn sum in Vietnam, and 4% in Cambodia. Cash is better, card only for emergencies. 

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10 hours ago, Caldera said:

ATM limits in Vietnam are very low, so I don't use ATMs there often.

So is there another way to withdraw cash? I read opening a Vietnamese bank account can be difficult, especially without a 12 month visa?

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17 minutes ago, DaRoadrunner said:

So is there another way to withdraw cash? I read opening a Vietnamese bank account can be difficult, especially without a 12 month visa?

That's true, unfortunately. I opened a bank account there just before that new regulation came in. I tend to use TransferWise to send money to Vietnam, then I can use my local ATM card (Napas) to withdraw money free of charge at ATMs as needed.

 

Before I had that bank account, I often just carried cash. VND is easily obtained at SuperRich in Bangkok, but bulky to carry around. Clean $100 bills are best, all things considered.

Edited by Caldera
Typo

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2 hours ago, Captain 776 said:

No problem I use mine all over the world

Out of interest - do you inform your bank in advance that you intend to use your card abroad?

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On 10/12/2019 at 10:52 AM, Caldera said:

raw

 

On 10/12/2019 at 9:53 PM, Caldera said:

That's true, unfortunately. I opened a bank account there just before that new regulation came in. I tend to use TransferWise to send money to Vietnam, then I can use my local ATM card (Napas) to withdraw money free of charge at ATMs as needed.

 

Before I had that bank account, I often just carried cash. VND is easily obtained at SuperRich in Bangkok, but bulky to carry around. Clean $100 bills are best, all things considered.

What about carryying about 3000 THB in Vietnamese currency, and 2000 $US, 

any possible chance to open a bank account in $US there? or just change $100 in local changer there each time needed, maybe is a better option to avoid the hassel of limited ATM machines and chanrged fees etc,,

Any good rate money changer there? same as superrich in Bankok?

Thanks

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I use Bangkok Bank card all over the world without issue. It's the card with the Mastercard logo. 

Edited by Tayaout

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