Promotion Program for New and Existing Individual Customers with Incremental Investment Volume 2026

1. Promotion Name: “New to Product 2026” (NTP 2026) – Exclusive for individual customers subscribing to Investment Products for the first time at MSB and existing investment customers (ETP) with qualifying incremental growth in investment volume.

2. Promotional Products/Services: Investment Products (Certificates of Deposit or other investment products as approved by MSB from time to time).

3. Promotion Period: From April 1, 2026, to June 30, 2026, or until the promotional budget (specified in Section 8) is exhausted, whichever comes first. MSB reserves the right to conclude the program without prior notice.

4. Promotional Scope: Nationwide.

5. Promotion Method: Complimentary rewards provided in conjunction with the purchase of goods or services.

6. Promotional Rewards: Cash transfers into the customer’s payment account opened at MSB.

7. Eligible Customers (Target Audience): Individual customers falling into one of the following two groups:

7.1. New to Product (NTP) Customers

Customers who have never participated in any investment product at MSB, are not members of the MFirst group, and simultaneously satisfy the following conditions:

• Subscribe to an investment product for the first time via online channels (MSB mBank/MSB Digital Bank) during the promotion period.
• Account/CIF History: * For participants from April 1 to April 30, 2026: Must have an MSB payment account and a CIF opened before January 1, 2025.
  • For participants from May 1 to June 30, 2026: Must have a payment account opened at MSB.
• No sales staff referral code is linked to the customer throughout the participation period.
• Minimum investment term per product: 07 days.

7.2. Existing Investment Product (ETP) Customers

Customers who have previously participated in investment products at MSB with a minimum investment term per product of 15 days.

8. Prize Structure:

Eligible customers defined in Section 7 will receive rewards based on the following criteria:

8.1. For New to Product (NTP) Customers

8.2. For Existing Investment (ETP) Customers

Total Program Budget: 297,000,000 VND (Two hundred ninety-seven million Vietnamese Dong), including VAT.

9. Detailed Terms and Conditions:

9.1. Determination of Eligible Investment Value:

• The eligible value is based on the actual successful transaction value recorded on MSB’s system, not the amount entered by the customer in the application.
• A transaction is only valid if the actual matched value reaches the specific thresholds defined in Section 8. If the actual matched value is lower than the minimum threshold, it will be disqualified.
  • Example: A customer registers for 20,000,000 VND but the actual matched amount is only 19,990,999 VND; the customer will not be eligible for the reward.

9.2. Rewarding Process:

• Selection: At the end of the first working day following each month, MSB will compile the list of eligible customers. If the number of qualifiers exceeds the budget, rewards will be prioritized based on the earliest time of qualification.
• Timeline: MSB will process and transfer rewards within 45 days from the first working day following the evaluation month.
• Method: Direct credit to the customer’s MSB payment account.
• Limit for NTP: Each New to Product customer is entitled to receive the reward only once during the entire promotion.
• Fraud/Validity: MSB reserves the right to refuse or revoke rewards in cases of invalid transactions or suspected fraud.

For full program details and regulations, please click here

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