Let's take Julie, a French woman, who is moving to live in Ho Chi Minh City for two years.
She keeps her French bank account.
Before her departure, she has:
€25,000 in savings in France.
She arrives with a card that allows international payments.
After obtaining her residence documents and a Vietnamese number, she opens a local bank account.
Her Vietnamese salary is then directly deposited into this account.
She uses her banking app for rent, transfers, restaurants, and QR payments.
Her main savings remain in France.
She occasionally transfers money between her accounts as needed.
And above all, she keeps records of her income and transfers.
This way, she has a banking system in both countries, rather than relying entirely on one of them.