Many of us have had this discussion on the recent 2-3 millon VND limits placed on foreign ATM cards and why. Today I had lunch with an HD Bank official, not a higher up mind you, and asked her about it. She told me that the government is cracking down and trying to track the foreign money coming into the country. Apparently there was alot of people avoiding currency laws by withdrawing large sums from some banks atm machines. She said they still allow you to go to the counter and withdraw, for a fee of course, off your card. While her explanation does make sense it should also be taken with a "grain of salt."