Does Opening an ATM Card Incur Fees? A Detailed Guide to Card Issuance Costs in 2026

"Is there a fee for getting an ATM card?" is a common question among first-time bank card applicants. In a market with many banks offering different policies on card issuance and management, choosing the right service for long-term use isn't always easy.

This article provides an overview of ATM card fees, helping customers make informed decisions when choosing a reputable bank and a service package that suits their needs.

1. Is there a fee for getting an ATM card?

Whether or not there are fees for opening an ATM (debit) card depends on the type of card and the regulations of each bank at the time. Currently, many banks apply flexible policies to encourage customers to open cards and use cashless payment services.

1.1. Getting an ATM card for the first time

For customers opening an ATM card for the first time, the common issuance fee on the market currently ranges from 30,000 to 100,000 VND (according to market surveys and may vary by bank)..

Specifically:

• Domestic debit cards: Issuance fees are typically between 30,000 and 100,000 VND.
• International debit cards (Visa/Mastercard): Higher issuance fees, typically ranging from 50,000 to 100,000 VND.

In addition, some banks, such as SeABank, are implementing policies that completely waive card issuance fees and home delivery fees for new customers under specific programs., To enhance the experience of opening a card and using digital services.

If a customer applies for a card online and chooses to have it delivered to their home, a shipping fee may apply. The specific fees depend on the regulations of each bank.

1.2. Reissuing an ATM card

When an ATM card is lost, damaged, or expires, the bank will charge a fee for reissuing the card.

• The current common fee for card renewal ranges from 50,000 to 100,000 VND per card (excluding VAT).
• The specific fee schedule depends on the current policy and the card tier the customer is using.

Customers should proactively check the fee schedule at the issuing bank to understand the costs before proceeding with the card replacement process.

2. Which bank offers the best ATM card with many benefits?

Choosing a bank for an ATM card should not only be based on the initial issuance cost, but also on long-term management fees, card usage scope, and accompanying benefits.

Currently, SeABank is one of the banksSeABank implements a policy of waiving issuance fees for certain card types periodically, including debit and credit cards. For other fees related to specific card types, customers should contact SeABank directly via 1900 555 587 for detailed advice tailored to their needs.

Customers can refer to this information.SeABank's S24++ domestic chip debit card offers many practical benefits:

• Conduct transactions at over 95% of ATM systems nationwide.
• Withdraw cash and check your balance while traveling or on business in Russia, Thailand, Malaysia, South Korea, etc.
• Earn interest on your current account balance.
• Participate in incentive programs from partners such as interest rate support for home loans, payment of electricity and water bills, and consumer shopping.

In addition, with Mastercard Gold and Visa Gold international debit cards, customers have the opportunity to:

• Get cashback on all payment transactions up to 1%.
• Get discount codes of up to 70% at SeABank's partner network.

SeABank's international debit card offers many attractive benefits for customers who open a card.

3. Frequently Asked Questions

1 - How much money is deducted from my ATM card each month?

If a card is not used but the account remains open, banks may still charge an annual fee or a monthly management fee. This fee may be waived if the customer chooses an account package with no monthly management fees, depending on the policy at that time.

2 - Is there a fee for opening an account but not getting a card?

Opening a payment account does not require issuing an ATM card. Any fees incurred (if any) depend on the account package the customer subscribes to, not on card usage.

3 - How long does it take to get a bank card?

At the Counter: Registration takes about 15-30 minutes; card delivery takes 3-7 working days.

Online: The card is delivered to your home within 3-7 working days. The processing time also depends on the type of card (credit cards have more complex approval processes than debit cards) and the specific bank's policies.

SeABank is a reputable place for customers to open credit cards.

Hopefully, this article has answered your questions about ATM card fees. To use your card effectively and for the long term, you should carefully review the fee schedule, consider the accompanying benefits, and choose a bank with transparent policies that suit your personal financial needs. If you need to open a free ATM card and fully enjoy the benefits of using the card, you can contact SeABank directly for quick and accurate support.