Cash is still king at street stalls and local markets, but digital payments are rapidly spreading in cities. Download a local SIM or eSIM on arrival for reliable data. Most apps require an active connection to function properly.
Payment & Finance Apps
MoMo
Essential
Vietnam's most popular digital wallet, accepted at convenience stores, restaurants, and street stalls via QR code.
Pro tip: Link a Visa or Mastercard to MoMo on arrival. It unlocks cashback deals unavailable to cash payers.