I'm planning on bringing some U.S. $ with me to pay for the balance of the rooms we have booked throughout Vietnam. From what I've read here though, everyone says it's best to pay with local currency for better exchange rate. Problem is the ATM's apparently have a very low withdrawal limit and we get dinged every time we use an ATM by our bank. Credit card we would get dinged on both ends. Does it make sense to pay for my hotel bills and Halong Bay cruise in U.S.? If I brought U.S. and converted it to local currency, where would I get the best exchange rates? Also, can anyone confirm that you have to bring U.S dollar series 2006 or higher? We were in Africa this year and they flat out refused to accept anything less than 2006 series or higher, thinking it was counterfeit.