Amazing what a year makes. ATMs are everywhere in Saigon. I can even find HSBC ATMs all over Saigon now saving me a bundle in ATM fees ($40/month). There are three convenient locations that I can use regularly now. My favorite location being Pham Ngu Lao.
Below is ANZ’s ATM near the corner of Dien Bien Phu and Le Quy Don in District 3.