Vietnam’s official currency is the Vietnamese Dong (VND). While major cities like Hanoi, Da Nang, and Ho Chi Minh City accept international credit cards at hotels and restaurants, cash is still essential in markets, small shops, and rural areas. ATMs are widely available, dispensing both VND and sometimes US dollars. Currency exchange can be done at banks, gold shops, or licensed counters, often with competitive rates. Digital payments and e-wallets like Momo and ZaloPay are growing in popularity, but tourists will still find cash more practical. Always carry small denominations for taxis, street food, and tips. Being aware of common scams, such as rigged taxi meters or inflated exchange rates, helps keep your travel budget safe.