Your Complete Guide to Payment Methods in Hoi An: Cash, Cards, and More

Paying in Hoi An, Vietnam is generally easy and tourist-friendly, but knowing the local preferences and common methods can help you avoid confusion or unexpected fees. 

Here's a quick guide on how to pay for goods and services in Hoi An:

1. Cash (Vietnamese Dong - VND)

• Most widely accepted payment method in Hoi An.
• Small vendors, street food stalls, local markets, and some family-run shops only accept cash.
• ATMs are easy to find throughout the town—especially near the Ancient Town, markets, and main roads.

Tip: Always carry small denominations (10.000 – 100.000 VND) for easier transactions.

Read more: Prices in Hoi An: Food, Hotels, Shopping & More

2. Credit and Debit Cards

Accepted at:

• Hotels and resorts
• Upscale restaurants
• Some boutique shops and tailor stores
• Visa and MasterCard are the most commonly accepted.

Fees: Some places add a 2–3% fee for card payments, so ask before you swipe.

Notice: Not commonly accepted at street vendors or smaller cafes.

3. Mobile Payment Apps (Local Use Only)

• Apps like Momo, ZaloPay, or VNPay are popular in Vietnam - but mostly used by locals.
• Tourists typically can’t use them unless you have a Vietnamese bank account.

4. Bank Transfers or Online Payments

• Some larger shops or service providers (like photo tours or hotels) accept Wise, PayPal, or even international bank transfers.
• Great for deposits or paying for tours in advance.

Make sure to confirm:

• Who covers transfer or PayPal fees
• Estimated time for payment processing

5. Where to Exchange Money

Avoid exchanging money at the airport if possible - rates are usually worse.

Best options:

• Banks (Vietcombank, BIDV, Techcombank, etc.)
• Licensed money exchange shops in Hoi An Old Town
• Some jewelry stores and tailors also offer exchange services at decent rates

Always check rates and count your money before leaving.

Read more: How to Exchange Money in Hoi An: Fast, Safe & Best Rates

6. Travel Tips for Paying in Hoi An

• Tipping is appreciated but not required; small tips for guides, spa staff, or waiters go a long way.
• Keep small change for things like bottled water, street food, or short taxi rides.
• Negotiate first when shopping in markets - especially if paying in cash.
• Don’t rely only on cards; carry backup cash just in case.

Read more: Hoi An Travel Guide: Best Things to Do, Where to Stay & What to Eat

7. Online Currency Converter

The Online Currency Converter by Wise is a fast, easy, and reliable tool designed to help you convert currencies at the best available rates. 

Whether you're planning a trip abroad, making an international payment, or managing your finances in multiple currencies, Wise offers mid-market exchange rates—the fairest and most transparent rates without hidden fees. 

With its user-friendly interface and real-time updates, you can confidently make informed decisions when exchanging money, saving both time and money in the process.