I wanted to start a new thread on this topic. It seems there's a lot of concern about opening a bank account here and whether getting a bank card is possible or not. (not possible on tourist visa)
I feel kind of silly for forgetting to mention this, but 99% of transactions are made using a QR code with your bank app. Even the smallest local restaurants and vendors at the local market accept payment by QR code. You could pay for a piece of fruit up to your entire rent with QR code. Therefor, a bank card is not at all necessary.
It seems the best option for most people will be to have a WISE account, and transfer money cheaply from your home bank account to the VN account. You would have to withdraw a small amount of cash in person from the bank but this would last a long time if you mostly pay by QR code.
TIMO is the easiest bank to open an account with.
I have a VN bank card and I can't remember the last time I used it. It's in a drawer somewhere 😂
Hope this clears things up for some people 👍