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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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MSB Digital Bank

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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

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How to Send Study-Abroad Money: Procedures and Key Notes

08/09/2026

Sending money for study abroad means transferring foreign currency from Vietnam abroad to pay tuition, living expenses, or other study-related costs of an international student. The transaction must go through a licensed credit institution and have documents proving the purpose as required. Vietnam Maritime Commercial Joint Stock Bank (MSB) supports study-abroad transfers through the SWIFT [...]

Opening a Credit Card Without a Household Registration Book: 2026 Requirements

08/09/2026

A young renter registering for a credit card online using their phone Opening a credit card without presenting a paper household registration book is feasible, because since 01/01/2023 the paper household registration book and paper temporary residence book have ceased to be valid under the transitional provisions of the 2020 Law on Residence. However, the [...]

How to Check MSB Credit Card Limit Fast [2026]

08/09/2026

In modern consumer trends, credit cards are increasingly popular due to their convenience and attractive incentives. Therefore, knowing how to check your credit card limit to manage spending effectively is a top priority for cardholders, especially around billing cycles. Through the MSB Digital Bank app, Vietnam Maritime Commercial Joint Stock Bank (MSB) guides cardholders on [...]

How to Calculate Credit Card Interest [2026]

26/08/2026

Credit card interest is the finance charge assessed by the bank on the unpaid outstanding balance when a cardholder does not pay off their statement balance in full within the grace period, or when withdrawing cash from the card. Interest accrues daily on the actual outstanding balance based on the formula: Interest = Outstanding Balance [...]

Annual Fee-Free Credit Cards: Save on Card Costs

26/08/2026

Comparing annual fee-free credit cards An annual fee-free credit card is a card that either charges no annual fee or waives it under the product’s conditions. “Free” may apply unconditionally, based on spending, or for a limited period; so you need to read the current fee schedule and terms. The MSB Mastercard Super Free is [...]

Over-Limit Credit Card Spending: How to Fix It | MSB

26/08/2026

Check credit limits before over-limit credit card spending Over-limit credit card spending occurs when transactions or posted charges cause the total outstanding balance to exceed the approved credit limit. Depending on the issuer’s terms, transactions may be declined, approved subject to an over-limit fee, or restricted under risk management mechanisms. Cardholders should review the fee [...]