I am thinking about how to transfer money from my home country to HCMC with the lowest charges when I came across the Citibank website & their global banking. So I thought maybe I can simply start a Citibank account in my home country & withdraw cash from any Citibank ATM in Vietnam. Is it really as simple as that, or are there hefty (my gut feel) charges involved? Can someone please enlighten me on this? Your knowledge and experience on this is greatly appreciated. Thank you.