Vietnam Maritime Commercial Joint Stock Bank

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

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Grow Your Wealth with MSB Accounts

What makes it special?

Product information

Overview	A certificate of deposit issued by MSB, equivalent to a savings deposit, with a fixed denomination starting from VND 100,000 and flexible transferability between customers.
Accrued Interest	Flexible transferability, competitive investment returns, and market-aligned.
Transaction Method	Transfer transactions between customers are confirmed online, ensuring security, convenience, and speed.
Flexible Transferability	The profit from an early transfer will depend on the agreement with the transferee, calculated based on the actual holding period.
Trading Hours	From 08:00 to 21:00, Monday to Friday.

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

What is the minimum amount required to participate?

16/03/2026

Customers can participate in the earning program with a minimum amount of VND 11 million.

Will I be charged a fee for transferring or receiving a transfer of Certificates of Deposit (CDs), or will the profits I earn be subject to tax?

25/06/2026

Currently,no fees are charged for the transfer or receipt of CDs. In addition, the profits earned are exempt from personal income tax.

If I choose the “Transferable before maturity” option and proceed with an early transfer, will I lose any accrued interest?

25/06/2026

If a customer selects the early transfer option, the system will display a reference yield based on the actual holding period at the time of the transaction. After reviewing the estimated return, the customer may choose to either continue holding the CDs or confirm the transfer.