Vietcombank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Vietcombank suits people who bank in Vietnam and want a plain debit card with no monthly charge, and it offers a virtual card too. It is a state-linked commercial bank rather than a crypto-focused one, and its currency conversion fee of 2.5% is the figure to weigh before spending abroad.
Key facts
- Best for
- Banking in Vietnam and paying abroad with a plain debit card.
- Monthly fee
- ₫0↗
- Currency conversion fee
- 2.5%↗
- Card type
- Debit↗
- Legal entity
- Joint Stock Commercial Bank for Foreign Trade of Vietnam↗
- Headquarters
- Vietnam↗
- Founded
- 1963↗
- Support channels
- Phone, Help-centre↗
- Features
- Virtual card
- Official website
- vietcombank.com.vn
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Monthly fee of VND 0 on the debit card
- Currency conversion fee of 2.5% on the card
- A virtual card is available as virtual card
- Bank founded in 1963 and headquartered in Vietnam
Cons
- Currency conversion fee of 2.5% sits high against the 1% site median
- With a monthly fee of VND 0, the conversion fee of 2.5% is the only recurring cost to check
- Support runs on phone and help centre only
Who it suits
- Residents of Vietnam who bank with Vietcombank
- Card holders who mostly spend in dong
- Anyone wanting a physical card alongside virtual card
Who should look elsewhere
- Monzo Flex, if you want a UK debit card with a monthly fee of £0
- Wise, if conversion cost matters more than local banking
- Bitpanda, if you want a card tied to crypto purchases
Fees
The VCB-DigiCard carries a monthly fee of VND 0, so there is no recurring cost to hold the card. The figure to watch is the currency conversion fee of 2.5% on the card, which applies when you spend outside Vietnam. Across the site, the median conversion fee is 1%, and the monthly fee median is €0, so Vietcombank's free monthly charge is the norm while its conversion cost sits at the higher end.
The company behind it
Vietcombank is the Joint Stock Commercial Bank for Foreign Trade of Vietnam, listed in the register as a state bank. It is headquartered in Vietnam and was founded in 1963, which makes it one of Vietnam's long-established financial institutions. Support runs on phone and help centre, so a customer can reach a person by phone or use the help centre for questions on the card.
How Vietcombank compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.6
9.1 vs 9.0
9.1 vs 9.1Monthly fee of €0 and a card shaped around crypto spending.
9.1 vs 8.9
9.1 vs 8.1
9.1 vs 8.2
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 8.9- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.3
Where Vietcombank is available
- Available
- Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Vietcombank debit card cost each month?+
The VCB-DigiCard has a monthly fee of VND 0, so holding it costs nothing recurring. That matches the site median of €0 for monthly fees, so the card is priced like most of the market. The cost that matters for spending is the conversion fee.
What is the currency conversion fee on a Vietcombank card?+
The currency conversion fee is 2.5% on the card. The site median is 1% and the upper quartile is 2.2%, so Vietcombank sits toward the dearer end. Spending in dong avoids the charge.
Does Vietcombank offer a virtual card?+
Yes, virtual card is listed among the available card formats. Alongside it, debit covers the physical card, so the bank covers both a plastic card and a virtual card. Readers who want a card for online use only can use the virtual format.
Who is behind the Vietcombank card?+
The card comes from the Joint Stock Commercial Bank for Foreign Trade of Vietnam, which is headquartered in Vietnam. It was founded in 1963, making it a long-standing Vietnamese bank rather than a new financial app. That history matters for anyone weighing how established the issuer is.
How can I contact Vietcombank about the card?+
Support runs on phone and help centre, so you can call or work through the help centre. Across the site, help centres are the most common channel and phone support is less common, so phone and help centre covers the main routes. There is no live chat listed in the phone and help centre mix.
Is Vietcombank a crypto card?+
Not on the listed facts. The card is a debit card from a Vietnamese bank, and the only card format beyond that is virtual card. Nothing in the details points to crypto trading or holding, so choose a provider built for crypto if that is the goal.
Who is the Vietcombank card suited to?+
It suits people who bank in Vietnam and want a card with a monthly fee of VND 0, plus the option of virtual card. Someone who travels often should weigh 2.5% first, and a UK or euro customer is better served by Monzo Flex at £0 or Bitpanda at €0.
Sources
- en.wikipedia.org/wiki/Vietcombank checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Founded - 1 April 1963”
- mytour.vn/en/blog/bai-viet/different-fees-applicable-on-v... checked September 26, 2026
Backs: Currency conversion fee
“The withdrawal fee from foreign ATMs is 4% of the withdrawn amount + 2.5% (foreign exchange conversion fee)”
- vietcombank.com.vn checked September 26, 2026
Backs: Support channels
“1900 545413”
- vietcombank.com.vn/-/media/Project/VCB-Sites/VCB/KHCN/San... checked September 26, 2026
Backs: Features
“VCB DigiCard (Including both physical and virtual card)”
- vietcombank.com.vn/en/Personal/SPDV/The/Debit_VCB-DigiCard checked September 26, 2026
Backs: Card type, Monthly fee
“VCB DigiCard - Issuance fee, Free, Annual fee, Free”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.