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 2026-09-09

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

People have opened an account here on nothing but a visa-free entry stamp. The card comes with a 90-day e-visa — checked in Nha Trang in September 2026. The bank's own site still demands a year of residence; the counter ignores it.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Vietcombank

国有有人办成了 · 2026-06

账户凭入境章即可

银行卡凭旅游签证

Same story with the account: people got one on a 45-day stamp. Cards are issued on an e-visa. Downtown branches say yes more readily than suburban ones.

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 · 2026-06

账户凭入境章即可

银行卡不发卡

The account opens in the app on a passport in about ten minutes. No plastic at all and transfers are capped — but it is enough to pay by QR.

需要的材料

  • 护照
  • 越南手机号

Agribank

国有有人办成了 · 2026-06

账户凭旅游签证

银行卡看网点

The card takes about ten days, but one branch agrees while the next turns down the same papers.

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 · 2026-06

账户凭旅游签证

银行卡看网点

Pure lottery. Some branches issue on a tourist visa, others insist on a year-long one. Central branches in the big cities are your best bet.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 暂住证明(tạm trú)
  • 越南手机号

TPBank

商业只是银行的说法

账户凭旅游签证

银行卡看网点

The easiest counter to deal with: English app, LiveBank self-service machines. Their own rules ask for a passport and a visa, nothing more. On a 90-day visa the card works out for roughly one person in three.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号
  • 开户存款

VPBank

商业只是银行的说法

账户凭旅游签证

银行卡看网点

Their document list is a passport, a visa and an address in Vietnam — not a word about a year. Some branches accommodate tourists, but 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

Timo (BVBank)

数字只是银行的说法

账户凭旅游签证

银行卡看网点

An account needs a passport and a valid visa, any length — that is what their current FAQ says. Older pages about the card still show the 360-day rule, which no longer exists.

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 the banks that still take foreigners on a short visa, but nobody has confirmed it to us first-hand. Worth a try if you are passing by, not worth a trip across town.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

ACB

商业未经证实

账户看网点

银行卡看网点

The strictest on paper: asks for a year of residence and even a letter from your embassy. Some branches reportedly look the other way, but nobody confirmed that to us.

需要的材料

  • 护照
  • 签证 3 个月以上
  • 越南手机号

Techcombank

商业未经证实

账户要居留证件

银行卡要居留证件

Foreigners are served at the counter only, never online. All through 2026 people report short visas being turned away. With a residence card there is no problem.

需要的材料

  • 护照
  • 居留卡 12 个月以上
  • 暂住证明(tạm trú)
  • 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

Happy to work with foreigners, but wants a residence document and noticeably more money on the account to open it.

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

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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