Greeting with chào + the person
hello / goodbye
Pattern: (Dạ,) ([your word] +) chào + [address word] (+ [name]) · ([your word] +) cảm ơn / xin lỗi + [address word]
Typed without accents: chao
Chào means both hello and goodbye, and it takes the person you're greeting: Chào anh, Chào chị Lan, Chào em. Use the word you'd use for "you": anh or chị for someone a little older, em for someone younger, cô or chú for someone your parents' age. A bare Chào! sounds curt.
To someone clearly older or senior (your parents' age, a teacher, a boss), also put your own word in front, and often dạ: Dạ, em chào chị. Con chào chú. This is how to greet a teacher, a friend's parents or an older neighbour. The older person answers simply Chào em or Chào con. In Hà Nội, a younger person calls themselves cháu with people their parents' age: Cháu chào chú ạ. With friends or colleagues just a bit older, Chào anh alone is fine.
Cảm ơn (thank you) and xin lỗi (sorry, excuse me) take the person in the same way: Em cảm ơn anh. Xin lỗi chị.
Xin chào is mostly heard on signs, in speeches and on television. Face to face, people usually say chào and the person's word, though xin chào is fine with a stranger or a group when you don't know what to call them. Among young friends you'll also hear English "hi" and "bye".
Examples
Highlighted words are what Saigon and Hà Nội say differently.
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Dạ, em chào chị.
Hello. (to an older woman)
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Chào em, em khỏe không?
Hi, how are you? (to someone younger)
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Saigon
Con chào chú.
Hà Nội
Cháu chào chú.
Hello. (to a man your parents' age)
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Em cảm ơn anh nhiều.
Thank you so much. (to an older man)
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Saigon
Chào anh, mai gặp lại nha.
Hà Nội
Chào anh, mai gặp lại nhé.
Bye, see you tomorrow.