Is it profitable to use a card in Vietnam or is cash better?

Cash is usually more profitable, especially for ruble cards. When paying by card, the conversion rate is often lower than the official and real rates at exchange offices. For example, when purchasing 400,000 dong with a dollar Mastercard, the debit rate was 22,714, while at exchange offices the rate was 23,350 and higher. For ruble cards, losses are even greater due to double conversion. Additionally, small stores may add a commission of up to 5% per transaction. When withdrawing cash, ATM and your bank fees are added to the unfavorable rate. Cash dollars or euros exchanged for dong give more money in hand but require careful handling. It is better to use the card as a backup option.

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