在越南开户和办卡

开户和办卡是两回事。开户几乎人人都行,哪怕只有入境章;办卡就另说了。下面是过来人的经验,哪家能办成什么。

核对 2026-09-28

Vietcombank

国有有人办成了 · 2026-09

账户凭入境章即可

银行卡凭旅游签证

People have opened accounts on a 45-day visa-free entry stamp and obtained VISA/Mastercard debit cards on a 90-day e-visa. Downtown branches are more accommodating than suburban ones. The bank's website may still reference the repealed 12-month requirement; Circular 45/2025 removed that rule effective 5 January 2026.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

BIDV

国有有人办成了 · 2026-09

账户凭入境章即可

银行卡凭旅游签证

Accounts open on a visa-free entry stamp alone. VISA/Mastercard debit cards are issued on a 90-day e-visa (confirmed in Nha Trang, September 2026). The bank's website still demands a year of residence; the counter does not enforce it. Circular 45/2025 removed the 12-month card rule effective 5 January 2026.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Cake by VPBank

数字有人办成了 · 2026-09

账户凭入境章即可

银行卡不发卡

Account opens in the app on a passport alone in about ten minutes. No physical card issued, transfers are capped — but QR-code payments work fine.

需要的材料

  • 护照
  • 越南手机号

Agribank

国有有人办成了 · 2026-09

账户凭旅游签证

银行卡凭旅游签证

Cards are issued on a 90-day e-visa and typically arrive within 10 days. Branch consistency varies, but first-hand reports confirm success across multiple locations in 2026.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Timo (BVBank)

数字有人办成了 · 2026-09

账户凭旅游签证

银行卡凭旅游签证

Account opens on a passport and any valid visa (no minimum duration required per current FAQ). Cards are issued on a 90-day e-visa. Older pages still show the 360-day rule, which was repealed by Circular 45/2025 effective 5 January 2026.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

MB Bank

商业有人办成了 · 2026-09

账户凭旅游签证

银行卡看网点

Pure lottery by branch. Some issue cards on a tourist visa, others insist on a longer one. Central branches in major cities are your best bet.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Vietinbank

国有有人办成了 · 2026-09

账户凭旅游签证

银行卡看网点

Some branches issue cards to e-visa holders, but practice varies significantly. Central branches in Hanoi and Ho Chi Minh City report more success than regional offices.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

TPBank

商业有人办成了 · 2026-09

账户凭旅游签证

银行卡看网点

English-language app and LiveBank self-service machines make this bank accessible. Cards are issued to some e-visa holders, though success rates vary by branch. Official rules list only passport and visa.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

VPBank

商业有人办成了 · 2026-09

账户凭旅游签证

银行卡看网点

Document requirements list passport, visa, and Vietnam address — no mention of a year. Some branches accommodate tourists; do not count on it in advance.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Sacombank

商业未经证实

账户凭旅游签证

银行卡看网点

Listed among banks that serve foreigners on short visas, but no first-hand confirmation yet. Worth trying if nearby, not worth a special trip.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

ACB

商业有人办成了 · 2026-09

账户看网点

银行卡看网点

Officially strict (asks for a year of residence), but some branches issue cards to e-visa holders anyway. Success depends entirely on the individual branch and staff.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Techcombank

商业有人办成了 · 2026-09

账户要居留证件

银行卡要居留证件

Throughout 2026, reports confirm that short-visa holders are turned away. Requires a residence card or equivalent. Online banking for foreigners is not available.

需要的材料

  • 护照
  • 居留卡 12 个月以上
  • 越南手机号

HSBC Vietnam

外资未经证实

账户要居留证件

银行卡要居留证件

Works with foreigners but requires residence documentation and a higher opening deposit.

需要的材料

  • 护照
  • 居留卡 12 个月以上
  • 工作许可
  • 越南手机号
  • 开户存款

Standard Chartered Vietnam

外资未经证实

账户要居留证件

银行卡要居留证件

Requires residence documentation for account and card issuance.

需要的材料

  • 护照
  • 居留卡 12 个月以上
  • 工作许可
  • 越南手机号
  • 开户存款

先弄明白这几点

带上这些

怎么付钱

银行说改规矩就改,最后拍板的永远是你走进的那家网点。这页我们每周过一遍。

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