Cash advances on credit cards are available at the central Vietcombank in Hanoi, HCMC and other major cities, for which you will be charged around 4%. Hanoi and HCMC also boast 24hr ATMs where you can withdraw cash on MasterCard, Visa and other cards in the Cirrus/Plus networks. In Hanoi, go to the ANZ Bank beside Hoan Kiem Lake; in HCMC both ANZ Bank and HKSB have ATMs.