Changing money in 2026: licensed desks only

The classic sidewalk short-count: hand over $100, watch 2,600,000 VND counted out in front of you, find 2.4M in your pocket later. Exchanging outside licensed offices has long been prohibited, and as of February 9, 2026, Decree 340/2025 tightened the penalties — a warning for amounts under $1,000, fines from 10,000,000 VND (~$380) above that, and they land on the customer, not just the desk.