Widely accepted in cities, malls, hotels, upscale restaurants, and chains. Many smaller vendors and local markets accept cash only. Some merchants charge 2-3% surcharge.

ATMs abundant in cities (Vietcombank, BIDV, Techcombank). Most accept Visa/MC. Watch for local ATM fees and always decline ATM currency conversion offers.

Works for online bookings (flights, tours, hotels). Coverage good for international travel sites.