This product allows MSB to approve in writing an overdraft limit enabling customers to spend beyond the balance in their VND current account at MSB up to a specified amount to perform payment transactions. Customers must pay interest and other applicable fees on the overdraft amount and repay the principal within the agreed period.

Businesses may receive disbursement first and provide supporting documents afterward. Documents evidencing the purpose of the transaction must be submitted within 1 month from the overdraft transaction date, or within another period as required by MSB and/or competent authorities.