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There is now a reasonably extensive network of ATMs in major cities and this can be a convenient way to get your hands on money. It is also handy to have a combination of US dollars and travelers cheques for more remote or rural parts of the country. There are four ways to exchange currency: at a bank, through authorized exchange bureaus, at hotel reception desks, and on the black market. The best rates are offered by the banks, but the exchange bureaus are generally more conveniently located and have longer opening hours. The black market rate is worse than the legal exchange rate, so if you are offered better rates than a bank it's bound to be some sort of scam. Visa, MasterCard, American Express and JCB credit cards are accepted in the major cities and towns popular with tourists.
It's virtually impossible to exchange travelers cheques outside the major cities and tourist areas. Visitors heading off the beaten track will need either to stock up on dong, or conduct a private cash transaction on the black market. It's a good idea to bring a small calculator with you for currency conversions, unless you're the kind of person who can divide or multiply by large numbers in your head.