What is the exact location and operating hours of Ha Tam Money Exchange in Ho Chi Minh City?

Ha Tam Money Exchange is located at 2 Nguyễn An Ninh, Bến Thành Ward, District 1. Its operating hours are from 8 AM to 7 PM.

If I need to exchange money late at night or urgently in Ho Chi Minh City, which money exchange is best to use?

Bích Thủy Money Exchange (Dntn Tmdv Bích Thủy) operates 24 hours a day, 365 days a year. It is located on Bùi Viện Street, making it safe to use even late at night.

If I need to exchange money near Đồng Khởi Street or in the central area of District 1, without having to go all the way to Phạm Ngũ Lão Street, which money exchange can I use?

Hung Long Money Exchange is located at 90 Lê Thánh Tôn, in the central area of District 1, close to Đồng Khởi Street. It offers competitive exchange rates comparable to Ha Tam and boasts excellent accessibility.

When exchanging money in Ho Chi Minh City, Vietnam, are there any special considerations regarding the use of large denomination banknotes and the condition of dollar bills?

In Vietnam, it can be difficult to use large denominations like 500,000 VND and 1,000,000 VND in many places, so it's more convenient to exchange for 100,000 VND and 200,000 VND notes. Also, crumpled or torn dollar bills may be refused for exchange or result in a lower exchange rate, so it's important to prepare clean, new bills.

Ho Chi Minh Money Exchange 2026: Top 3 Places for Travelers

Hey there, fellow travelers!

It's your travel blogger, Susukkotdari, here.

Planning a trip to Ho Chi Minh City, Vietnam? Your first hurdle might be currency exchange. With so many options, finding a safe spot with great rates can feel like a quest. Today, I'm excited to share my top 3 recommended money changers in Ho Chi Minh City, tried and tested by real travelers like us!

Ha Tam Money Exchange

(Ha Tam Jewelry)

📍Location: 2 Nguyễn An Ninh, Phường Bến Thành, Quận 1

This is the undisputed champion of Ho Chi Minh City's money changers. For over a decade, Ha Tam has been the go-to spot for international travelers, boasting top-tier exchange rates and unparalleled reliability.

📍Pros

✔️ Offers some of the best exchange rates in Ho Chi Minh City

✔️ A trusted establishment operating for over 20 years

✔️ High satisfaction with a Google review rating of 4.5 stars or higher

✔️ Operating Hours: 8:00 AM - 7:00 PM

✔️ Fast and accurate service from staff

▶️ Tip: If you're near Pham Ngu Lao Street, just look for the busiest money changer – that's likely Ha Tam. You might have to queue during peak hours, but that's a testament to its trustworthiness.

Ha Tam Jewelry · Ho Chi Minh City, District 1, Ho Chi Minh Citymaps.app.goo.gl

Hung Long Money Exchange

(Hung Long Money Exchange)

📍Location: 90 Lê Thánh Tôn, District 1 city center

Located in the heart of District 1, close to Dong Khoi Street, Hung Long is another money changer renowned for its excellent rates, rivaling Ha Tam. It's your best bet when you need to exchange currency in the bustling city center. Plus, you can enjoy the comfort of air conditioning while you wait, and it's generally less crowded than Ha Tam.

📍Pros

✔️ Competitive exchange rates, almost on par with Ha Tam

✔️ Excellent accessibility due to its central location in District 1

✔️ Operating Hours: 8:00 AM - 8:00 PM

✔️ Clean and professional service

✔️ Popular with both tourists and locals

▶️ Tip: If you're in the Dong Khoi area or city center and need to exchange money, Hung Long is the closest and offers great rates. No need to trek all the way to Pham Ngu Lao!

Money exchange · Ho Chi Minh City, District 1, Ho Chi Minh Citymaps.app.goo.gl

Bich Thuy Money Exchange

Dntn Tmdv Bích Thủy

📍Location: 144 Bùi Viện, Pham Ngu Lao Street

This money changer operates 24/7, 365 days a year, making it a lifesaver for late-night arrivals or early morning departures. Conveniently located on Bui Vien Street, it's easy to find. While some reviews mention less friendly service, it's often the only option late at night, so it's a trade-off!

📍Pros

✔️ Open 24/7, 365 days a year (exchange money anytime!)

✔️ Prime location in the heart of Bui Vien Street, excellent accessibility

✔️ Safe to use even late at night

✔️ Decent exchange rates (slightly lower than Ha Tam, but much better than the airport)

✔️ Your best choice for emergency currency exchange

▶️ Tip: This spot is incredibly useful if you arrive on a late-night flight or run out of cash while enjoying Bui Vien Street's nightlife. While it's open 24 hours, remember that night-time rates might be slightly lower than daytime rates, so plan accordingly.

Dntn Tmdv Bích Thủy · Ho Chi Minh City, District 1, Ho Chi Minh Citymaps.app.goo.gl

If safety is your absolute top priority and you prefer to avoid queues, consider using a bank for your currency exchange.

While the exchange rates might be slightly lower than dedicated money changers, banks offer undeniable security and official legitimacy. Vietcombank, Vietnam's largest bank, has branches and ATMs conveniently located throughout the airport and city, making it easy to find.

Essential Tips for Exchanging Money

✅️ Avoid Large Denominations

In Vietnam, it can be challenging to use large denominations like 500,000 VND (around ~$21 USD) or 1,000,000 VND (around ~$41 USD) in many places. It's much more convenient to exchange for smaller notes, focusing on 100,000 VND (around ~$4 USD) and 200,000 VND (around ~$8 USD).

✅️ Prepare Crisp, Clean US Dollars

Creased, torn, or defaced US dollar bills might be rejected for exchange or result in a lower exchange rate. Always get new, crisp bills from your bank before you travel.

✅️ Count Your Money (Before and After!)

Always verify the amount in front of the money changer's staff. Whether by mistake or intentionally, discrepancies can occur, so meticulous checking is crucial.

✅️ Check for Damaged Vietnamese Notes

Vietnamese vendors often refuse torn or heavily creased currency. After your exchange, make sure to inspect the condition of the Vietnamese Dong notes you receive.

✅️ Airport Exchange: Keep it Minimal

Exchange rates at Ho Chi Minh Airport are typically not as favorable as those in the city. Only exchange a minimal amount at the airport for immediate needs like taxi fare, and handle the rest in the city.

Wrapping Up Your Money Matters

Getting your currency sorted is the first step to an amazing Ho Chi Minh City adventure. Securing a good exchange rate means more money in your pocket for exploring! The three places I've shared are all reputable and trustworthy, so you can exchange with confidence. Remember that exchange rates fluctuate constantly, so always check the latest information before you visit!

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