The Vietnamese currency is Dong (abbreviated “d” or VND). Vietnamese bank notes in two versions of cotton and polymer are: 200d, 500d, 1,000d, 5,000d, 10,000d, 20,000d, 50,000d, 100,000d, 200,000d and 500,000d. Coins are not used any more due to inconvenience.
US dollars are widely accepted throughout the country but less in rural areas. One US dollar is normally exchanged to 21,000 VND. You should bring US dollar in small notes; it will help you to change easily.
ATMs can be a choice as it is very popular in almost tourist destinations. Vietcombank (VCB) has the best network in the country. Withdrawals are issued in Dong. There is a limit for each withdrawal and a fee of 50,000 (US$3) each time.
Visa, master card is increasingly widespread in big cities and tourist areas. There is a 4% commission charge on every transaction (3% for other cards) due to banks’ policy. You can exchange cash in advance from cards at some national and international banks in Hanoi and Ho Chi Minh City.