Where to Exchange Money in Ho Chi Minh City (2026)

Today’s indicative exchange rate in Ho Chi Minh City

Last checked: 2 September 2026 at 23:00 ICT.

Reference cash-buy rates from Vietcombank, shown as Vietnamese dong per one unit of foreign currency. The actual rate at a bank, gold shop or exchange counter may be different.

Indicative information only. Rates change during the day; check the displayed calculation and count your money before leaving. Source: Vietcombank.

Short answer: If you are looking for where to exchange money in Ho Chi Minh City, start by comparing the most convenient option with a bank or reputable local exchange option in the city. The right choice depends on your arrival point, currency, timing and the amount you need.

Last checked: August 2026. Exchange rates, opening hours and business availability can change, so verify the final details before making a larger exchange.

Where to exchange money in Ho Chi Minh City at a glance

In Ho Chi Minh City, travelers normally have more choice outside the airport. Compare the final VND amount, not only the headline rate.

Place or option	Use it for	Check before paying
Tan Son Nhat airport	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Banks in Ho Chi Minh City	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Vietcombank	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Vietinbank	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
ACB Bank	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Gold shops & money exchange agencies	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Near Ben Thanh Market	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Near Bitexco tower	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Near Notre Dame Cathedral	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Money exchange place comparison	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Safey & rate advice	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.
Other places in Vietnam	Check the current rate and accepted currencies before exchanging.	Compare the final VND amount and keep the receipt.

How to use this guide

Do not choose a place only because it appears first in a search result. Check the location, accepted currency, opening status, displayed rate, fees and the final VND amount. For a small arrival exchange, convenience can matter more than a small rate difference. For a larger amount, compare at least two options and ask for the calculation before passing over your money.

Places and options to compare

Tan Son Nhat airport

Tourists can easily find money exchange vendors in Ho Chi Minh City after landing at the Tan Son Nhat airport, as there are plenty of exchange offices to serve the needs of tourists.

In Tan Son Nhat Airport (SGN), you can exchange most of the popular currencies:

United States Dollar (USD), Euro (EUR), Japanese Yen (JPY), British Pound Sterling (GBP), Australian Dollar (AUD), Canadian Dollar (CAD), Swiss Franc (CHF), Chinese Yuan (CNY), Indian Rupee (INR), South Korean Won (KRW), Russian Ruble (RUB), Singapore Dollar (SGD), New Zealand Dollar (NZD),…

Here are some of the money exchange places you can find at Tan Son Nhat airport:

International terminal: 

• Money exchange at departure gates 17 and 18 .Location on the map: Money Exchange at gate 18
• The money exchange boot is opposite procedure desk D at the station
• Behind the custom station is a money exchange boot
• At the exit to the international hall.

Domestic terminal:

• ​​On the 1st floor, there are money exchanges such as BIDV Bank (the photo above) and Vietinbank. 

Banks in Ho Chi Minh City

​​Banks are one of the best places for money exchange. However, in Ho Chi Minh City there are thousands of banks that may confuse travelers. Therefore, AN Tours Vietnam will suggest some banks that have good money exchange in Ho Chi Minh City with high rates. These banks are legalized and so safe that people can exchange money at any bank branch and exchange as much as they can. Since banks always have large amounts of capital in circulation, the deposition of currencies is not limited.

Currency accepted in the banks in Ho Chi Minh City: all types of currency

Vietcombank

Vietcombank is a bank known by its name Joint Stock Commercial Bank for Foreign Trade of Viet Nam It is a popular bank in VietNam that is trusted by many people. Several Vietcombank bank locations in Ho Chi Minh City tourists can visit to have a money exchange:

Vietcombank Bui Thi Xuan 

• Address: 69 Bui Thi Xuan Street, Ben Thanh Ward, District 1, Ho Chi Minh City 
• Open hours: 8:00-11:00, 13:00-16:00 from Monday to Friday 
• Tel: 028.3835 9323
• Location on the map: Vietcombank Bui Thi Xuan

 Vietcombank Le Thanh Ton 

• Address: 231 Le Thanh Ton Street, Ben Thanh Ward, District 1, Ho Chi Minh City
• Open hours: 8:00-11:00, 13:00-16:00 from Monday to Friday 
• Tel: 028.3822 8589
• Location on the map: Vietcombank Le Thanh Ton

Money exchange at Vietinbank: Vietnam Joint Stock Commercial Bank for Industry and Trade. The abbreviation “VietinBank” is a major commercial bank in Vietnam. This is the bank that is chosen by many foreign tourists to exchange foreign currencies by the diversity in currency as well as bank staff pleasure, and good service. Some bank addresses Vietinbank tourists can go to money exchange in Ho Chi Minh City: 

Vietinbank

Vietnam Joint Stock Commercial Bank for Industry and Trade. The abbreviation “VietinBank” is a major commercial bank in Vietnam. This is the bank that is chosen by many foreign tourists to exchange foreign currencies by the diversity in currency as well as bank staff pleasure, and good service. Some bank addresses Vietinbank tourists can go to money exchange in Ho Chi Minh City: 

Vietinbank Ham Nghi

•  Address: 153 Ham Nghi Street, Nguyen Thai Binh Ward, District 1, Ho Chi Minh City
• Open hours: 7:30-11:00, 13:00-16:00 from Monday to Friday
• Tel: ​​091.921 3267
• Location on the map: Vietinbank Ham Nghi

Vietinbank Bui Vien

• Address: 36 Bui Vien Street, Pham Ngu Lao Ward, District 1, Ho Chi Minh City
• Open hours: 7:30-11:00, 13:00-16:00 from Monday to Friday
• Tel: 028.3836 0803
• Location on the map: Vietinbank Bui Vien

ACB Bank

ACB Bank is a bank with many branches in Vietnam that is always a reputable place for customers to trust when money is exchanged here. The money exchange rate at the ACB bank is always stable and tourists can fully come. 

ACB Ben Thanh

• Address: 96 Ly Tu Trong Street, Ben Thanh Ward, District 1, Ho Chi Minh City
• Open hours: 7:30-11:00, 13:00-16:00 from Monday to Saturday
• Tel: 030.145 2948
• Location on the map: ACB Ben Thanh

 ACB Cong Quynh

• Address: 108 Cong Quynh Street, Pham Ngu Lao Ward, District 1, Ho Chi Minh City
• Open hours: 7:30-11:00, 13:00-16:00 from Monday to Saturday
• Tel: 028.3838 5464
• Location on the map: ACB Cong Quynh 

Gold shops & money exchange agencies

Tourists can completely exchange money at gold shops with convenience, not taking too much time. This is the place of money exchange in Ho Chi Minh City that receives the favor of tourists by changing money quickly, how much money is also changed, and no need to prove complicated documents. Here are some good gold shops that have money exchange in Ho Chi Minh City:

Ha Tam Jewelry Store

• Address: 02 Nguyen An Ninh, Ben Thanh Ward, District 1, Ho Chi Minh City
• Opening hours: 8 AM to 7 PM everyday
• Phone: 02838237243
• Location on the map: Ha Tam Jewelry Store
• Detailed review: Ha Tam Gold Shop HCMC – Is it legit & exchange rate

Kim Mai Jewelry Shop

• Address: 84C Cong Quynh, Pham Ngu Lao Ward, District 1, Ho Chi Minh City
• Opening hours: 8 AM to 8 PM everyday
• Phone: 02838360412
• Location on the map: Kim Mai Jewelry Shop

Hung Long Money Exchange

• Address: 86 Mac Thi Buoi, Ben Nghe Ward, District 1, Ho Chi Minh City
• Opening hours: 8 AM to 8 PM everyday
• Phone: 02838237243
• Location on the map: Hung Long Money Exchange

Near Ben Thanh Market

• Ha Tam Gold Shop
• Mai Van Exchange
• Ngoc Hue Gold Shop
• Kim Hoan Sai Gon SJC 
• Phuong Hang Kim Gold Shop 
• Thien Xuan Money Exchange

Near Bitexco tower

• Minh Thu Money Exchange
• Quan Kim Phat Gold Shop 
• Dong A Bank  

Near Notre Dame Cathedral

• HSBC Bank 
• The VietNam Development Bank 

Money exchange place comparison

Here’s a side-by-side comparison of money exchange options in Ho Chi Minh City, focusing on Tan Son Nhat Airport, Banks, Gold Shops, and Money Exchange Agents:

This comparison provides an overview of what travelers can expect from each option to exchange money in Ho Chi Minh City. Each option has its pros and cons, and the best choice depends on the individual’s needs, such as the importance of convenience, the desire for the best rates, and the amount of money to be exchanged.

The biggest advantage of money exchange at the gold shops is that the transaction takes place quickly and does not require any complicated procedures or papers. The exchange rate is better than the bank. Tourists should exchange dollars at gold stores that are credible enough. Exchange money at the gold store will help people to enjoy higher exchange rates and faster, more convenient exchanges. Money exchange at banks is safe, but travelers have to spend a lot of time at the bank. Money exchange at the airport also involves additional higher rates, which will cost you a lot if you exchange thousands of money unit.

Safey & rate advice

Here are some tips and tricks for your safe money exchange in Ho Chi Minh City:

• Before traveling, I should research exchange rates and reputable places for money exchange in Ho Chi Minh City.
• Research gold shops that have money exchange services that are highly recommended by foreign travelers on Google.
• Don’t listen to strangers for money exchange. 
• Be careful with the types of fees that arise when withdrawing ATMs.

For more safety advice, check our article which points out Scams during money exchange in Vietnam & how to avoid them.

If you want to exchange money at high rates and don’t want to waste time, go to the trusted gold shops that AN Tours Vietnam has suggested to exchange money at the high price that you want. Be careful with and always pay attention when having a money exchange in Ho Chi Minh City. Contact AN Tours Vietnam to know more about the best place for money exchange in Ho Chi Minh City and book tours.

See more at: https://antoursvietnam.com/

Other places in Vietnam

Here are some other articles for money exchange places in other cities in Vietnam:

• 12+ Best places for money exchange in Da Nang-Hoi An
• Best place for money exchange in Ha Noi
• Best places to exchange money in Phu Quoc
• Currency exchange in Hue
• Money exchange in Sapa: 3 only places!
• Best places to exchange money in Ha Long Bay

Airport, bank, gold shop or card: which is best?

An airport counter is useful when you have just landed and need transport, food or a first payment. A bank can feel more predictable, although opening hours and accepted currencies vary. A gold shop or local exchange counter may be convenient in a central area, but you should confirm it is suitable for foreign-currency exchange and check the receipt carefully. Cards and ATMs can reduce the amount of cash you carry, but fees and limits depend on the bank and card provider.

Safety checklist before you exchange

• Check the currency pair and the final calculation.
• Ask whether any fee is deducted before you agree.
• Count the VND notes at the counter.
• Check for damaged or suspicious notes before leaving.
• Keep the receipt for a larger transaction.
• Do not hand over your passport or bank card as security.

Questions travelers ask about exchanging money in Ho Chi Minh City

Should I exchange money at the airport?

Use the airport for convenience and the first transport or meal. For a larger amount, compare the final amount with a city bank or reputable exchange option first.

Is a gold shop always better than a bank?

Not automatically. A gold shop may be convenient in some areas, but travelers should check licensing, the displayed rate, the amount received and the receipt before handing over cash.

How do I compare exchange rates?

Ask how many Vietnamese dong you will receive after every fee. Count the notes before leaving and keep the receipt. Rates change during the day.

Can I use cards instead of cash?

Cards work in many hotels, supermarkets and larger businesses, but smaller food stalls, markets and local transport often still need cash. Keep a practical cash reserve.

What if the rate looks unusually good?

Stop and check the full calculation. A good-looking rate can be offset by a fee, an old note, a misunderstanding about the currency or a wrong final amount.

More Vietnam money-exchange guides

• Where to Exchange Money in Da Nang & Hoi An (2026)
• Where to Exchange Money in Sapa (2026): Banks & Local Options
• Where to Exchange Money in Hanoi (2026): Old Quarter & Airport
• Where to Exchange Money in Vietnam (2026): Best Rates & Tips
• Where to Exchange Money in Phu Quoc (2026): Banks & Local Shops
• Where to Exchange Money in Hue (2026): Banks, Gold Shops & Airport
• Where to Exchange Money in Ha Long Bay (2026)
• Vietnam Currency & VND Guide (2026): Cash, Cards & ATMs

AN Tours Vietnam helps travelers plan transport and tours around Vietnam. Verify current business details before visiting because rates, hours and availability change.