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.
Yield	Attractive and competitive yields depending on the holding tenor and agreements between customers. Yields are adjusted flexibly over time. The yield schedule for each tenor will be displayed transparently for customers to review before confirming participation. Customers can proactively choose the holding tenor and investment method that best suit their personal financial needs. In case of early transfer, the profit received will depend on the agreement with the buyer and will be calculated based on the actual holding period.
Tenor	A variety of holding tenors (daily, weekly, monthly, or quarterly) to suit customers’ funding needs.
Proposed Purchase Amount	The amount a customer wishes to pay to acquire the certificate of deposit, which may differ from the amount approved by the seller. Minimum purchase amount: VND 11,000,000.
Transaction Method	Transfer transactions between customers are confirmed online, ensuring security, convenience, and speed.
Flexible Transferability	For early transfers, the profit will depend on the agreement with the buyer, calculated based on the actual holding period.
Trading Hours	From 08:00 to 21:00, Monday to Friday.
How It Works	See detail at here

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 informed of the expected yield before deciding to participate?

16/03/2026

The yield schedule by tenor and holding method will be displayed for customers to review and select before confirming participation in the product.

If I choose the ‘Early Transfer’ option and transfer before maturity, will I lose my interest?

16/03/2026

When customers choose early transfer, the system will display the yield applicable at the time of transfer, calculated based on the actual holding period. Customers may choose to continue holding or confirm the transfer after reviewing the yield information.