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Problems exchanging money?

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Was advised recently by my travel service provider prior to a scheduled trip to Hanoi that "If cashing US dollars, be aware that foreign banks will NOT change any dollars which are torn, written on, generally in bad shape, or have large denominations (over $20)."

The part about bills in bad shape isn't news anywhere in Asia, but no exchange for bills over US $20? In a bank? Never heard of that before. It certainly wasn't an issue during my previous visit to Hanoi in 2008.

Can any recent travelers comment upon this alleged restriction? What was your experience?

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