Most major foreign-issued credit and debit cards are accepted at ATM's in Hanoi and HCMC. Travelers can access Plus and Cirrus networks via HSBC and ANZ ATM machines. Use common sense when withdrawing money. Key in your PIN inconspicuously and keep to well-lit, frequented cash terminals. These ATMs are commonly found inside major banks, western-style grocery stores and hotels, or on busy streets. More often than not, ATMs will issue notes in VND500.000 denominations, which can be frustrating if you intend to pay for a motorcycle taxi ride or a streetside bowl of noodles.