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Are credit cards widely accepted and safe to use locally? Are ATMs common and do you recommend using them? Are they safe to use?

While the country is still primarily a cash economy, credit card use is growing quickly in Vietnam. Credit cards are accepted at hotels, most grocery stores, at higher-end restaurants, and at an increasing number of fast food or chain stores (both Western and local). ATMs are common and it's safe to use them if you take the usual big-city precautions. Most embassy personnel withdrew cash from the embassy cashier. - Dec 12, 2017
Easy to use but make sure your bank waives international ATM transaction fees. Otherwise you will spend US$8 each time you withdrawal money. - May 4, 2016
Haven't heard of ATM issues, though many machines have a small limit (US$100). Max is about US$250 at the ANZ ATM. - Mar 13, 2015
Neither is terribly common. - Aug 12, 2014
This is a cash economy. There are ATM in front of most hotels and compounds and main hotels accept VISA, Mastercard and Amex. There is some credit card fraud here, so I would be very careful in checking my statement if I were using it. I always pay cash, and carry only the money I am planning to spend with me. Never more. - Dec 13, 2011
Credit cards are still not used in many places but there are ATMs around the city. Be careful though because some are not grounded properly and have electrocuted people when it's raining. - Aug 23, 2011
No credit cards are accepted other than at the fancy hotels. There are ATM machines all over, but the daily withdrawal limit is low, at around $100, I believe. - May 23, 2010
Credit cards are catching on. ATMs are pretty much everywhere. - Feb 11, 2009
Outside major hotels and a few restaurants or tourist shops, credit card use is limited as Vietnam remains largely a cash-based economy. Items are billed in both U.S. dollars and Vietnamese Dong and either are accpeted for payment. ATMs are common, however frequent fraud has been reported when using ATMs associated with Vietnamese banks. ATMs for larger non-Vietnamese international banks are generally safe, but less in number. - Sep 27, 2008
You can use credit or debit cards in all the Western hotels without a problem. Most ATM's are not part of the international banking systems so you get charged any where from the usual US$2 transaction fees up to US$5.There are no U.S. banks doing business here with the exception of Citi Bank and they are strictly for corporate customers. There a couple of Australian and European Banks but they do not have many offices. Most Vietnamese banks are at least partially government owned and do little international business nor offer services to foreign customers. Many businesses may show the Visa or Master Card logo's in their windows, especially in the more modern malls, but they may not necessarily accept the credit cards. I once tried to buy an item with my credit card and the cashier looked at me very strange and tried to say they did not accept credit cards, then another employee pulled the card machine out of a drawer, still in the box and attempted to set it up without success. Basically, they did not know how to use it. - May 17, 2008