A comprehensive guide to exchange money Hoi An: Best rates & expert tips
Hoi An, once a bustling trading port and now a UNESCO World Heritage site, enchants visitors with its iconic yellow walls and glowing lanterns. To ensure a smooth and worry-free exploration of this ancient town, having local currency (VND) is vital. But where to exchange money in Hoi An for the best rates and total security? This guide provides everything you need to know about exchange money Hoi An services for a seamless trip.
A traveler’s guide to Vietnamese currency
Before searching for the best place to exchange money Hoi An, familiarize yourself with the local currency: the Vietnamese Dong (VND). Modern Vietnamese notes are made of polymer, ranging from 10,000 VND to 500,000 VND.
A crucial tip for money exchange in Hoi An is mastering bill recognition. It is easy to mistake a 10,000 VND note for a 100,000 VND one due to their similar tones, especially under the dim lantern light of the Ancient Town. Likewise, the 20,000 VND and 500,000 VND bills are both blue but differ 25 times in value. Understanding the VND code and identifying the zeroes on each bill will help you avoid costly mistakes.
At Bliss Hoi An Beach Resort & Wellness, guests often ask if they can pay with foreign currency. While some large shops accept USD or EUR, they often apply unfavorable rates. Therefore, performing a money exchange Hoi An Vietnam into Dong is the smartest way to maximize your travel budget.
Foreign exchange rate to Vietnamese currency table
Note: Rates updated at 10:58 AM on February 12, 2026. These exchange rates are for reference purposes only.
| Currency name | Buying cash | Buying transfer | Selling |
| US DOLLAR | 25,750.00 | 25,780.00 | 26,160.00 |
| EURO | 30,032.14 | 30,335.50 | 31,616.06 |
| UK POUND STERLING | 34,483.32 | 34,831.63 | 35,947.82 |
| JAPANESE YEN | 164.32 | 165.98 | 174.76 |
| AUSTRALIAN DOLLAR | 18,037.51 | 18,219.70 | 18,803.56 |
| SINGAPORE DOLLAR | 20,045.92 | 20,248.41 | 20,939.12 |
| THAI BAHT | 737.90 | 819.89 | 854.67 |
| CANADIAN DOLLAR | 18,646.56 | 18,834.91 | 19,438.48 |
| HONG KONG DOLLAR | 3,228.88 | 3,261.49 | 3,386.27 |
| CHINESE YUAN | 3,667.49 | 3,704.54 | 3,823.25 |
| DANISH KRONE | – | 4,049.56 | 4,204.49 |
| INDIAN RUPEE | – | 285.23 | 297.52 |
| KOREAN WON | 15.57 | 17.30 | 18.77 |
| MALAYSIAN RINGGIT | – | 6,582.90 | 6,726.24 |
| RUSSIAN RUBLE | – | 320.57 | 354.86 |
Understanding and calculating Vietnam exchange rates (VND)
When performing a money exchange in Hoi An, understanding how to read exchange rate boards and calculate the exact amount you should receive is the most important step to ensure you aren’t overcharged. Here is a detailed guide to help you transact with the confidence of a local.
How to read exchange rate boards
At major banks like Vietcombank, BIDV, or prominent gold shops in the money exchange Hoi An Old Town area, you will see electronic or LED boards displaying two primary columns:
- Buying rate: This is the most important figure for you. It represents the price the bank or shop will pay you to “buy” your foreign currency (USD, AUD, EUR, etc.).
Example: If the board shows USD Buy: 25,500, it means for every $1$ USD you provide, you will receive 25,500 VND.
- Selling rate: This is the price you would pay if you wanted to use Vietnamese Dong to buy foreign currency. Naturally, the selling rate is always higher than the buying rate.
Formula for calculating your cash
To know exactly how much you will receive during a money exchange Hoi An Vietnam, use this simple formula:
Total VND Received = Amount of Foreign Currency × Buying Rate
Real-world example:
Suppose you have 200 AUD and wish to exchange it at the gold shop at 35 Tran Phu. The posted Buying Rate is 18,200.
- The calculation: $200 x 18,200 = 3,640,000$ VND.
- Always calculate this figure on your phone’s calculator first. Show the result to the staff to confirm the amount before handing over your foreign bills.
Helpful tools for quick calculations
For the convenience of our guests at Bliss Hoi An Beach Resort & Wellness, we recommend:
- Using a quick Google Search (e.g., “100 AUD to VND”) for an instant estimate.
- Downloading the Wise or XE app for real-time rate tracking.
- Consulting with our Bliss Hoi An concierge for the day’s reference rate before boarding our complimentary shuttle bus into the Ancient Town.
By mastering these calculation basics, you can manage your travel budget effectively and enjoy a worry-free holiday in Hoi An.
See more: White Rose Dumplings in Hoi An: Origins, taste & Best places to try
Top reliable places for exchange money Hoi An with the best rates
When searching for the best money exchange in Hoi An, you generally have three main options: Gold Shops, Banks, and Service Agents. Each has its own pros and cons to suit your specific needs.
Gold shops – The best rates for savvy travelers
For solo travelers and backpackers, gold shops are widely considered the go-to spots for money exchange Hoi An Old Town, offering rates that closely follow the free market.
- 35 Tran Phu: A “hidden gem” often recommended on Reddit and international travel forums. If you need to exchange AUD, CAD, or EUR, this location typically offers much more competitive rates than commercial banks.
- Sasa Accessories (77 Phan Chu Trinh): Located on a bustling main street, this is an incredibly convenient exchange money Hoi An spot. A major plus is its flexible hours, staying open until 10:30 PM, making it easy to top up your cash even during a late-night stroll.
- Kim Hong Phuc (Hoang Dieu Street): Situated near the Hoi An Central Market, this shop is a local favorite. With quick and transparent service, it is an ideal place to trade without worrying about hidden fees.
Banks – The secure and professional choice
If your top priority is legal transparency, banks are the definitive answer for where to exchange money Hoi An.
- Vietcombank (02 Tran Cao Van): As Vietnam’s leading foreign trade bank, Vietcombank guarantees clean notes and clearly posted rates. However, keep in mind that you must bring your original Passport to process the transaction.
- BIDV (537 Hai Ba Trung): This branch offers a spacious environment and English-speaking staff, making it perfect for international guests needing large currency exchanges or international transfers.
Spas and travel agents – Convenience after-hours
A growing trend for money exchange in Hoi An is high-end service establishments like Herbal Spa (139 Phan Chu Trinh). These venues offer not only relaxation but also currency exchange at reasonable rates, especially when banks are closed. This provides maximum privacy and comfort for travelers.
Expert tips for getting the best rates when exchange money Hoi An
To be a savvy traveler when you exchange money Hoi An, keep these essential “insider” tips in mind:
Avoid exchanging large sums at airports and hotels
While Da Nang Airport and hotel reception desks offer maximum convenience, it comes at a high price. Rates here are typically 3-5% lower than those at gold shops in the Ancient Town. We recommend exchanging only a small amount ($20 – $50 USD) to cover your initial taxi or Grab fare to the resort. Save your larger transactions for reputable addresses in the town center.
“Shop around” like a local
Don’t hesitate to stop by two or three different gold shops along Phan Chu Trinh Street to compare rates. Simply hold up your currency and ask, “Rate?” The shopkeeper will show you the figure on a handheld calculator. If you aren’t satisfied, a polite smile as you move to the next shop is perfectly acceptable – this is a standard part of the local trading culture.
Check the condition of your bills
At most money exchange Hoi An Old Town spots, bills that are slightly torn, ink-stained, or excessively worn are often rejected or traded at a lower rate. For US Dollars, ensure your $100 bills are the newer series (crisp and clean) to secure the absolute best money exchange in Hoi An.
In Vietnam, the physical quality of foreign paper currency directly impacts its market value, meaning even a tiny corner rip can result in a rejected exchange. Carrying a small, flat folder to keep your bills unbent and crisp during your travels will help you maintain their maximum trade-in value.
Service traps and potential risks (Safety & scam prevention)
While searching for the best place to exchange money Hoi An, staying vigilant is the most effective way to protect your travel budget. Although Hoi An is renowned for its heartfelt hospitality, international travelers should be mindful of these common “blind spots”:
Decoding the “Zero commission” trap
You will encounter numerous signs advertising “0% Commission” or “No Fees” around the Japanese Covered Bridge area. It is important to understand that no business operates without a profit margin. Instead of a transparent service fee, these exchange points often apply a lower exchange rate compared to the mid-market rate.
Don’t just ask about the fees – ask for the final figure. Be direct and ask: “If I give you $100 USD, exactly how much VND will I receive in my hand?”. Then, compare that amount with the rate on the XE Currency app to see if you are getting a fair deal.
The “golden rule”: Always count your cash at the counter
Misidentifying Vietnamese banknotes with many zeroes is the biggest risk for international guests when performing a money exchange in Hoi An. The 10,000 VND and 100,000 VND notes, as well as the 20,000 VND and 500,000 VND notes, have very similar color tones, especially in the dim evening light of the Ancient Town.
Never feel rushed or embarrassed to recount your money. Lay the notes out on the counter, sort them by denomination, and count them slowly under the teller’s observation (or security cameras). Ensure the total in your hand matches the exact figure displayed on the teller’s handheld calculator. Once you step out of the door, claims regarding missing cash are rarely resolved.
Beware of torn or taped banknotes
Another hidden risk when performing a money exchange Hoi An Vietnam is receiving VND notes that are torn, excessively old, or repaired with adhesive tape. In Vietnam, many local shops and supermarkets may refuse to accept currency that is not in pristine condition.
Actionable Step: If you notice any damaged or heavily worn bills, ask the staff to replace them with newer ones immediately. Crisp, clean notes will ensure a much smoother shopping and dining experience throughout the town.
Under no circumstances should you exchange money with individuals who approach you on the street or in secluded areas. Stick to reputable, verified establishments such as major banks, established gold shops, or premium resorts like Bliss Hoi An Beach Resort & Wellness to guarantee both legal safety and the authenticity of your currency.
See more: What to buy in Hoi An: 25+ Meaningful gifts for Your family
Experience a seamless heritage retreat at Bliss Hoi An Beach Resort & Wellness
Nestled away from the hustle and bustle of the city center, Bliss Hoi An Beach Resort & Wellness is situated along the pristine Binh Minh Beach (South Hoi An), offering a sanctuary of true “Wellness”. We understand that financial concerns or the search for a currency exchange location can inadvertently diminish the tranquility of your vacation.
At Bliss Hoi An, we have designed comprehensive guest privileges to ensure every Hoi An city tour is effortless:
- 24/7 dedicated concierge support our professional reception team at Bliss Hoi An does more than just assist with check-in; they are local experts with a deep understanding of the regional financial landscape. We constantly update exchange rates daily from reputable sources and are always ready to guide you to the best money exchange in Hoi An, from trusted gold shops in the Old Town to bank branches with streamlined procedures.
- Scheduled complimentary shuttle bus for your convenience in shopping and currency transactions, Bliss Hoi An provides a daily shuttle service connecting the resort to the heart of the Old Town (approximately a 20-30 minute journey). Buses typically depart from the resort at 10:00, 14:00, and 18:00, returning from the Old Town at 10:40, 14:40, 18:40, and 21:00.
- On-site currency exchange assistance in cases where you require immediate cash for small expenses or have not yet had the chance to visit the Old Town, Bliss Hoi An offers a currency exchange solution right at the front desk. This service saves you time and ensures absolute safety, allowing every experience – from enjoying a cocktail at the Pool Bar to embarking on discovery tours – to proceed smoothly and without interruption.
Let Bliss Hoi An Beach Resort & Wellness be the cornerstone of your elevated vacation. Contact our hotline 0912060558 to book your stay today and enjoy the most dedicated care privileges!
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