Money & costs
The banking situation has improved considerably in Sapa, with a real bank complete with an ATM. Most hotels accept US dollars, but expect a worse exchange rate than in Hanoi.
BIDV (872 569; Ð Ngu Chi Son; 7-11.30 & 1.30-4.30pm) Currently the best all-rounder in town, with an ATM, plus exchange of travellers cheques and cash. It is by the lake in the new part of town.