BANKING WITH VCB (VIETCOMBANK) - NIGHTMARE!!! (곧 한글로 올라옵니다.)

by Black Tulip posted Jan 22, 2011
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Many of the employees of VCB are extremely rude and they even trick you and insult you if you don't understand their language..

The services of this goddamn VCB are inferior, outdated, systematically not functional, and full of nonsense. Each branch talks about whichever different laws and different banking policies are convenient for them at the moment! You just can't deal with all these crooks and monkeys in VCB. It's a hellish red-hot burning nightmare, believe me.. Plus even those tellers' and other employees' brains are outdated, insane, hellish, and need immediate and long term treatment in heavily armed detention facilities too.

At this moment in January 2011, they do not sell any USD regardless of purpose and regardless of status or nationality of the requester. The longest holiday is coming soon in about 10 days and many of the foreign workers in Vietnam have to travel back to their home countries with the currency of their own choice. I am a Korean investor planning to visit my country for the holiday and asked many times at many different branches of VCB if they could just sell ANY AMOUNT that they currently have, but this goddamn bank's crooked tellers said "nope! we don't have any!", the obvious whopping lie which every branch of VCB is STRICTLY ordered to use by their superior management! Some of them even told me to withdraw VND and take it to a jewelry store (criminal black market that sells USD for about 8% higher price) to buy USD. What about and where is the USD that I brought to their bank and my rights to claim it? I am not even talking now about claiming the entire amount of investment plus profits if there are any. I am now only talking about a little money for me and my family's travel expense to overseas..

Legal foreigners can't even go back to their countries if they have to go with USD and do not want to pay extremely high black market exchange rates or buy different currencies which are already 8%+ more expensive than the USD official exch rate even if I buy it from VCB? This is a MAFIA joke!! I think they believe that the government will devaluate VND soon after the Tet (Chinese new year's day) holiday so they are either busy selling USD to black markets or keeping all of it in order to sell them after the devaluation for a lot more. Whichever, this goddamn monkey bank is not a bank acting legitimately! It's an absolute underground mafia criminal organization full of rude and insane psycho monkey employees jumping all over their banking network.

But there is better news for all foreigners who have many banking problems! I found this by researching an alternate option to procure the travel expense for my immediate overseas travel plan without unnecessary and/or additional loss caused by VCB where most of my important accounts are because that is where I started banking when I first came to VN. The much better option is not HSBC or ACB. In some instances ACB is even worse and their employees need even more intensive psychiatric treatment than VCB. HSBC, as it is one of the world's premier offshore banks, you can enjoy reasonable functionality and behavior in every manner and corner of this bank. However, clients need to maintain either high monthly balances or have to pay much higher monthly fees compared to other banks in Vietnam. And also many fees and rates are disadvantageous and benefits are not very useful for most expats. So it would be better to find a much more reasonable and functional local bank if there is any.

If you know one, you know that many service fees and rates are either free or surprisingly low for everyone to save a lot of hard-earned money. I cannot describe all the details of the merits of this bank here but I will tell you the name. SACOMBANK!! I found the shines of this bank after I had been using it and visited their branches all over VN for over 5 years with uncertainty and doubts based on the thoughts that all local banks may be the same. SCB IS MIRACULOUSLY DIFFERENT!! I feel I am not in VN when I walk into ANY BRANCH of this bank to manage many personal and corporate accounts. SCB system is really functional in nearly every aspect and it provides many more benefits, politely and elegantly even compared to most reputable international banks.. I only have one question with this bank. What makes this bank and its employees largely different from everywhere else in Vietnam……? It is nearly a miracle to see how Vietnamese employees can be this polite, lovely and never cause any unpleasant or nonsensical experiences, in the whole. I have never confronted any problems in any branch of SCB for over 5 years, can you believe it?!! At the PMH branch, I never even fill out any withdrawal or transfer forms. The tellers there always do it for me even though I don't have any personal relationship with them. It makes transactions brisk and joyful! I've never experienced any organization like SCB in entire VN. I think they screen out all those crooks, punks, jerks, psychos and other ugly ones first before they hire, and then train them intensively with some kind of very effective method..

Because of my space and time limits, I now can only detail one of those many benefits SCB provides additionally:

★★★★ FOREX COMPARISON

★ ADDITIONAL LOSS FROM BUYING USD FROM BLACK MARKET - About 8%

★ VCB: THE TYRANNICAL DICTATOR BLACK BANK FULL OF NONSENSE & INSANITY SIMILAR TO THE BLACK CURRENCY MARKET - Always saying "nope!, nope!, nope!"

★ SCB DEBIT CARD STANDARD - Annual Fee: VND 150,000
  • daily limit - purchase ((VND 100,000,000))
  • daily limit - cash ((VND 100,000,000))
  • monthly limit - purchase ((VND 100,000,000 X 30 = 3,000,000,000))
  • monthly limit - cash ((VND 100,000,000 X 30 = 3,000,000,000))
  • bank fee - purchase - domestic ((2%, min VND 60,000))
  • bank fee - purchase - foreign-currency ((5%))
  • bank fee - cash/ATM - domestic ((2%, min VND 60,000))
  • bank fee - cash/ATM - foreign-currency ((5% + 2%(F-BK) = 7%))

★ SCB DEBIT CARD GOLD - Annual Fee: VND 250,000
  • daily limit - purchase ((VND 300,000,000))
  • daily limit - cash ((VND 300,000,000))
  • monthly limit - purchase ((VND 300,000,000 X 30 = 9,000,000,000))
  • monthly limit - cash ((VND 300,000,000 X 30 = 9,000,000,000))
  • bank fee - purchase - domestic ((2%, min VND 60,000))
  • bank fee - purchase - foreign-currency ((5%))
  • bank fee - cash/ATM - domestic ((2%, min VND 60,000))
  • bank fee - cash/ATM - foreign-currency ((5% + 2%(F-BK) = 7%))
❂ Compare the bank fee - cash/ATM (and purchase) - foreign-currency to that of other banks.

★ HSBC VISA DEBIT CARD: I forgot to ask.
  • daily limit - purchase ((VND 30,000,000))
  • daily limit - cash ((VND 30,000,000 - Only from ATM, not avail from walk-in teller banking unless emergency))
  • bank fee - purchase - foreign-currency ((7% + USD 3.00 ~ 4.00))
  • bank fee - cash/ATM - foreign-currency ((7% + USD 3.00 ~ 4.00 + (*) = about 10%))
(*) Cash withdrawal at VISA/PLUS network might be subject to the additional charge of other banks.

★ ACB VISA DEBIT CARD: It has no ATM network logo such as 'PLUS', 'CIRRUS', etc. So I think this card cannot be used in any ATM overseas except VN. Anyway, see the following ripoff scam:
  • daily limit - purchase ((VND 25,000,000))
  • daily limit - cash ((VND 50,000,000 - she said maybe 30,000,000 in foreign bank))
  • bank fee - purchase - foreign-currency ((8.5%))
  • bank fee - cash/ATM - foreign-currency ((10.5%))
❂ I think the person who gave me this info doesn't even know exactly what she was talking about even though I reminded her that daily cash limit is usually lower than purchase limit.
❂ Of course there is an additional fee of other banks for cash withdrawal, mostly 2% or higher.
❂ Many of this bank's employees are rude and ridiculous just like VCB as it is the life that you cannot avoid while in VN.

CONCLUSION: FK & KK ALL THOSE MAFIA MONKEY BANKS' ASSES TO PROTECT YOUR MONEY AND HEALTH FROM TREMEDOUS STRESSES THAT THEY WANT TO GIVE YOU, AND BE TREATED AS YOU DESERVE AT SACOMBANK, THE LOVELIEST BANK NOT ONLY IN VIETNAM BUT IN THE WORLD!!

★★ damages.html ★★ 




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