Open an MSB Account Online: Free and Fast

Opening an MSB account online on the MSB Digital Bank app takes only about 3-5 minutes, is completely free, and requires no branch visit. Vietnam Maritime Commercial Joint Stock Bank (MSB) allows individual customers aged 15 and over to register a payment account online via eKYC – photographing their citizen identity card and verifying their face.

1. Requirements & Preparation Before Opening a Payment Account Online on the MSB Digital Bank App

To successfully open an MSB payment account online on your first try, you need to meet all requirements, prepare the correct document, and understand several technical points. This section summarizes all the essential information to know before starting.

1.1. Eligibility for Opening an Account Online

According to information from MSB’s payment account product page, the criteria applicable to opening an account online on the app include the following:

Note: If your device does not support NFC or you are not yet 15 years old, you need to visit the nearest MSB Branch/Transaction Office in person and bring your chip-embedded citizen identity card for assistance.

1.2. Required Documents to Prepare

The online MSB account opening process is handled entirely via eKYC (electronic Know Your Customer), so you only need to prepare a single type of document:

📋 Mandatory document: A valid chip-embedded citizen identity card (CCCD) – used for taking photos, NFC scanning, and facial matching during the eKYC process.

Notes when preparing your CCCD:

• The CCCD must be the new chip-embedded type – do not use non-chip CCCDs or old identity cards (CMND)
• The front and back of the CCCD must be clear, unblocked, undamaged, and with no faded details
• Information on the CCCD must match the registered details of your SIM phone number
• Do not photograph a printed photo or screen photo – the eKYC system requires direct live capture

Illustration of the front and back of a chip-embedded CCCD placed on a flat surface

1.3. Important Notes Before Opening an Account

⚠️ Note before starting: Several technical conditions and details below directly affect whether registration succeeds. Please check them carefully before proceeding.

Check your device:

• Ensure your phone has a stable internet connection (Wi-Fi or 4G/5G)
• Front camera works properly – used for facial verification (liveness check)
• Turn on the NFC feature on your phone before scanning the CCCD chip
• Have enough storage capacity to install the MSB Digital Bank app (~100MB)

Check your phone number:

• The phone number used for registration must be a SIM registered under your own name, currently active, and able to receive OTPs
• The phone number must not have been registered for MSB services before – or has been discontinued at MSB previously

Notes on personal details:

• Full name, date of birth, and CCCD number on your identity document must match the SIM registration information
• Only 1 payment account can be opened per phone number at MSB

💡 Tip: Perform registration in good lighting conditions; do not wear hats or sunglasses during facial verification to avoid eKYC rejection.

2. Online Payment Account Opening Process on the MSB Digital Bank App (2026)

Starting from June 1, 2026, MSB officially launched MSB Digital Bank – the next-generation digital banking app replacing MSB mBank. Depending on your prior usage of MSB services, follow one of the two cases below:

Comparison of the two cases:

Note: Information is for reference only and subject to change per official announcements from MSB. Please contact MSB for detailed guidance.

MSB Digital Bank app home screen interface after successful login

2.1. Case A: Customers Migrating from the Old App (MSB mBank)

If you already have an MSB account and are using MSB mBank, MSB will send an invitation notice to switch to MSB Digital Bank. You do not need to perform eKYC from scratch – verification data is inherited from the old system.

📌 Important note: Customers using MSB mBank should continue normal use until receiving an official migration notification from MSB. Do not uninstall MSB mBank prematurely before completing the migration.

Steps to migrate from MSB mBank to MSB Digital Bank:

Option 1: Customers receive a migration invitation on the old MSB mBank app

• Receive notification and download the app: MSB sends a notification right in the MSB mBank app; select “Upgrade now” to download MSB Digital Bank directly from the notification link.
• Start migration: Open the newly downloaded MSB Digital Bank app and select “Start migration”.
• Verify information: Review and update personal details if needed, verify your phone number with an OTP, then complete facial verification.
• Set up security: Create a new login password, set up Face ID/fingerprint, and create a 6-digit PIN to complete.

Option 2: Customers proactively install the new MSB Digital Bank app without going through the old app

• Download the app: Scan the QR code or visit directly the Google Play Store (Android) or App Store (iOS) to download the MSB Digital Bank app.
• Switch applications: On the login screen, select “Login support”, proceed to select “Switch app”, then select “Start migration”.
• Verify information: Provide the phone number and CCCD number registered in the old app, verify your phone number with an OTP, then complete facial verification.
• Set up security: Create a new login password, set up Face ID/fingerprint, and create a 6-digit PIN to complete.

2.2. Case B: Customers Downloading the New App (Never Used MSB mBank)

If you have never used MSB’s electronic banking services, the process will include registering a brand-new account and verifying your identity (eKYC) right inside the app. The entire process takes place on your phone, requiring no branch visit.

The process consists of 8 steps:

• Download the MSB Digital Bank app: Download via the Google Play Store (Android) or App Store (iOS). Search for the keyword “MSB Digital Bank” and select the official app of Vietnam Maritime Commercial Joint Stock Bank.
• Open the app and select “Register for electronic banking services”: On the welcome screen, tap the “Register” or “Open account” button to begin the new registration flow.
• Enter phone number and verify OTP: Enter your mobile number registered under your own name → The system sends a 6-digit OTP to that phone number → Enter the OTP within 2 minutes to confirm.
• Complete eKYC – electronic identity verification: This is the most important step, comprising 3 consecutive actions:

• Photograph the front and back of your chip-embedded CCCD – keep it straight and well-lit
• Place the CCCD flush against the back of your phone and tap “Scan NFC” to read chip data
• Perform facial recognition (liveness check) following the on-screen instructions

⚠️ eKYC note: Do not wear sunglasses, do not use printed photos, and avoid backlight. If eKYC fails 3 times, the system will temporarily lock – please contact the MSB hotline at 1900 6083 for assistance.

• Provide additional personal details

Fill in all required personal information: full name, date of birth, permanent address. The system may pre-fill parts from the scanned CCCD data.

• Set up login credentials

Create a username, password, and authentication method (Face ID, Touch ID, or a 6-digit PIN). Note to memorize or securely store your login information.

• Open online payment account

Select open payment account – at this step you can choose a standard account number or register a vanity/custom account number (M-Lucky based on date of birth, feng shui account number, or numbers of your preference).

• Complete and start using

After confirmation, your MSB payment account is activated immediately. You can deposit money, transfer funds, and utilize all features of MSB Digital Bank.

Infographic of 8 steps to open an MSB account online on MSB Digital Bank in a numbered horizontal flow

✅ After opening an account successfully: The MSB payment account is 100% free of charges: account opening fee, annual fee, management fee, and internal and interbank transfer fees. Terms and fee policies are subject to change – please check at msb.com.vn or contact MSB for the latest updates.

Frequently Asked Questions (FAQ)

1. Does it cost anything to open an MSB account online?

No. According to official information from MSB, registering and opening an account is completely free. In addition, MSB waives annual fees, management fees, and internal & interbank transfer fees. Applicable conditions may change over time – please verify at msb.com.vn.

2. How long does it take to open an MSB account online?

Usually 5 to 10 minutes if technical conditions (internet connection, NFC, camera) are fully met and CCCD information is clear. The time may take longer if eKYC requires retries or the system is experiencing heavy loads.

3. Can I open an MSB account online if my phone does not support NFC?

You cannot open online if your device does not support NFC. In this case, you need to visit the nearest MSB Branch or Transaction Office in person with your chip-embedded CCCD to receive staff assistance in opening an account.

4. Can individuals under 18 years old open an MSB account online?

Individuals from 15 years old and above can open an MSB account online according to current regulations. For individuals aged 15 to under 18, please note that conditions depend on legal regulations regarding civil act capacity – please contact MSB for specific guidance. Individuals under 15 years old must open accounts directly at the counter with the consent of a legal guardian.

5. I am using MSB mBank, do I need to switch to MSB Digital Bank?

Yes. From June 1, 2026, MSB Digital Bank is the new official digital platform. Customers using MSB mBank will receive notifications and migration support from MSB according to a roadmap. You can continue using MSB mBank normally until you receive the official notice – no need to proactively delete the old app before being instructed.

6. What should I do if I forgot my MSB Digital Bank password?

On the app login screen, select “Forgot password” → Enter username, account number, CCCD number, and issue date → The system sends a new password to your registered phone number. Or contact hotline 1900 6083 or visit the nearest MSB Branch/Transaction Office for support.

7. Does opening an MSB account require an escrow deposit or minimum balance?

No minimum balance is required when opening an MSB payment account. However, to use certain features such as transfers, payments, or opening supplementary products, the account needs an appropriate balance. Please refer to the detailed tariff schedule at msb.com.vn/khach-hang-ca-nhan/bieu-mau-bieu-phi/.

Conclusion

Opening an MSB account online on the MSB Digital Bank app is a fast, free procedure that can be carried out at any time without visiting a physical branch. Simply by meeting the basic requirements – aged 15 or over, possessing a chip-embedded CCCD, and having an NFC-supported smartphone – you can complete registration in about 5-10 minutes.

If you are using MSB mBank, stay tuned for notices from MSB to migrate to MSB Digital Bank in accordance with the roadmap. If you do not have an MSB account yet, this is a favorable time to begin experiencing digital banking with comprehensive utilities and fee-free transactions.

🔗 Register now: Download the MSB Digital Bank app on Google Play Store or App Store, or explore more about MSB payment accounts at msb.com.vn/khach-hang-ca-nhan/tai-khoan/tai-khoan-thanh-toan/

Disclaimer: The information in this article is for reference purposes and is compiled from publicly available information on the website msb.com.vn as of June 2026. Conditions, procedures, service fees, and product parameters are subject to change per MSB announcements. Please contact MSB via hotline 1900 6083 or visit msb.com.vn for the most accurate consultation and latest updates prior to transacting.

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