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Vietcombank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Vietcombank suits people who bank and spend in Vietnam, and its debit card carries a monthly fee of VND 0. The annual fee of VND 200,000 sits with the credit card variant instead, so treat the lines as separate products and pick the one that matches how you actually spend.

Key facts

Best for
Everyday spending in Vietnam on a card with no monthly charge.
Monthly fee
₫0 (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Legal entity
Joint Stock Commercial Bank for Foreign Trade of Vietnam (Source, checked September 26, 2026)
Headquarters
Vietnam (Source, checked September 26, 2026)
Founded
1963 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Virtual card
Official website
vietcombank.com.vn

Credit cards

Annual fee
₫200,000 (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Joint Stock Commercial Bank for Foreign Trade of Vietnam (Source, checked September 26, 2026)
Headquarters
Vietnam (Source, checked September 26, 2026)
Founded
1963 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Virtual card

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Monthly fee of VND 0 on the debit card, so keeping the account open is free.
  • A virtual card sits in virtual card, which gives an extra card number for online spending.
  • Vietcombank is a Vietnamese joint stock commercial bank for foreign trade, trading since 1963.

Cons

  • A currency conversion fee of 2.5% makes the card expensive for anyone paying in another currency.
  • The credit card variant charges an annual fee of VND 200,000 on top of the bank relationship.
  • Support runs on phone and help centre, so no email or live chat is listed.
Vietcombank

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Scored 9.1 / 10 by DebitCue.

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Who it suits

  • People banking in Vietnam who spend mainly in the dong and want a card with no monthly charge.
  • Shoppers who want a virtual card for online purchases, listed in virtual card.
  • Existing bank customers who also want a credit card and can absorb an annual fee of VND 200,000.

Who should look elsewhere

  • People paying abroad often, who will meet 2.5% on conversion; Wise is worth pricing up, with a monthly fee of £0.
  • Credit card buyers put off by a charge up front, who would rather start at a monthly fee of $0 on Chime Card (Secured Visa Credit Card).
  • Buyers who want a secured credit card rather than an annual fee of VND 200,000, with Varo Believe Secured Credit Card priced on a monthly fee of $0 instead.

Fees and currency costs

Vietcombank's debit card carries a monthly fee of VND 0, so holding the account carries no monthly charge. The currency conversion fee is where money actually goes: 2.5% applies whenever the card spends in another currency. Keep everyday spending in the dong and the card behaves like a plain domestic spending tool.

How Vietcombank compares

Where Vietcombank is available

Available
Vietnam

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Vietcombank debit card cost to keep?+

The monthly fee is VND 0, so there is no monthly charge for holding the debit card. The figure to plan around is the currency conversion fee of 2.5%, which applies when the card spends in a currency other than the dong. Set everyday spending in the dong and the running cost stays nil.

How much does Vietcombank charge to convert currency?+

Conversion runs at 2.5% on the card. That sits above the 1% typical debit rate and around the 2.5% mark, so the card earns its keep on local spending rather than abroad. Anyone with foreign bills to pay should look for a lower figure first.

Is Vietcombank a good card for travel?+

Only if the travel stays local. With a conversion fee of 2.5%, the card ranks 192 of 259 brands on that measure, which is the wrong end of the table. A virtual card in virtual card helps for online bookings, but it does not change the conversion cost.

Does Vietcombank issue a virtual card?+

A virtual card is listed in virtual card alongside the standard card. It gives a separate card number for online shopping and subscriptions, so a leaked number does not touch the card carried day to day. Vietcombank also lists a debit card under debit as the everyday option.

What sort of card does Vietcombank offer?+

Vietcombank lists debit for its main card, so spending runs straight off the bank balance with nothing borrowed. Alongside that sits a credit card, recorded under credit, which is the line that carries a charge. Use the debit card for daily money and add the credit card only if you want to borrow.

How do I reach Vietcombank support?+

Support runs on phone and help centre, which is phone and a help centre, with no email or live chat listed. A card blocked abroad or a disputed payment is therefore a phone job rather than a message to send and track. Keep the number saved before leaving the country.

What does the Vietcombank credit card cost?+

The credit card carries an annual fee of VND 200,000, above the €4.89 mark that separates the top quartile of annual fees here. The debit card is the cheaper route at a monthly fee of VND 0. Customers who want both should weigh the annual charge before adding the card line.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

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Everyday spending in Vietnam on a card with no monthly charge.

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