Vietnam Maritime Commercial Joint Stock Bank

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

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Upfront Interest Savings

Receive interest credited to your account immediately at the time of deposit.

What makes it special?

Product information

General Overview	A savings product that allows customers to receive the full interest amount upfront at the time of deposit, while the principal is paid at maturity.
Tenor	1-13 months, 15, 18, 24, and 36 months
Minimum Deposit Amount	No minimum amount required
Interest Payment Method	One-time interest payment, paid upfront at the time of deposit
Early Withdrawal	Customers are allowed to withdraw before maturity and will earn non-term deposit interest rates. The system will automatically recalculate the interest earned and deduct from the principal any excess interest already paid beyond the interest actually entitled.
Maturity	If the customer does not close the deposit on the maturity date, the principal will not be automatically renewed and will instead earn non-term deposit interest for the period from maturity onward. If the maturity date falls on a weekend or public holiday as prescribed by MSB, the payment of principal and interest will be processed on the next business day.

Tools

Deposit interest rate

0-6 mths 7-12 mths Over 12 mths

Term	At counter	Online

Interest paid at maturity

Deposit amount

VND

Interest (%pa)

Term

Total return

0 VND

Interest paid at maturity 0 VND

Interest rate 0 %

Frequently Asked Questions

Learn More

Can customers withdraw funds before maturity multiple times during the savings period?

18/03/2026

Yes. With the Partial Withdrawal Savings product, customers can flexibly withdraw funds before maturity multiple times:

Up to 5 withdrawals for savings accounts opened at branches
Unlimited withdrawals for online savings accounts

What is the enhanced security layer for savings accounts?

12/02/2026

Customers will have an additional protection layer when closing online savings accounts through security questions. Customers may select up to 3 security questions. When enabling or disabling the feature, customers must correctly answer the security questions set at the time of service registration.

Which MSB deposit product currently offers the highest interest rate?

03/02/2026

MSB’s Highest Interest Rate Savings product currently offers a competitive interest rate of up to 5.8%, helping customers maximize returns on their idle funds.