Interest Rates

Interbank Cash Exchange Transactions

Cash FX classification by quality standards
Fast delivery & receipt for transaction demands
Competitive pricing, full-service coverage

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FX Swap Transaction

Hedging against FX & interest rate risks
Optimize the cost of capital
Tenors ranging 3-365 days

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Golden Bee Savings

Flexible multiple deposits
Interest rates adjusted by period
Top-tier security

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Budding Savings

Savings solutions for children
Flexible recurring deposits with no minimum limit
Long-term saving tenors of up to 15 years

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Click to Pay

Faster
Safer
Easier

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Supply Chain Financing for Casper Distributors

Unsecured credit facilities, up to 20% of the distributor’s most recent annual sales revenue with Casper
Receive up to two additional seasonal financing facilities to support peak business periods.
Preferential Interest Rates and Guarantee Fees

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Vietnam Airlines Ticket Agent Financing Program

Unsecured Credit Facilities of up to VND 12 Billion (Overdraft + Payment Guarantee)
Credit Facilities of up to 260% of Collateral Value
COMPREHENSIVE FEE WAIVERS, CASHBACK & PRIVILEGES

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Apple Pay

Easy
Secure
Private

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Google Pay

Safe
Fast
Convenient

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M-Flex Flexible Credit Solutions

Credit facilities of up to VND 25 billion
Financing of up to VND 15 billion without additional collateral
Super-Fast Approval Within 4 Working Hours

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Vietnam-China Border Trade Payments

Fast – Secure – Accurate
Fast CNY transfers to partners
Attractive and highly competitive rates in the market

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Pru Universal Life Insurance – Maximum Protection

Multi-layered protection of up to 100% Sum Assured and Contract Account Value
Flexible and diverse benefits
Financial accumulation with guaranteed interest and bonus benefits

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Pru-Linked Insurance – Steady Investment Growth

Comprehensive protection of up to 110% Sum Assured plus Contract Account Value
Reliable investment with 7 PRUlink funds
Double bonus from the 10^th policy year

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International Transfers via RIA

Extensive Global Network
Top-Level Security
Simple and Fast Process

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Supply Chain Financing for EVN Contractors

Financing before obtaining output contracts up to VND 30 billion
Financing limit up to VND 100 billion after obtaining output contracts
Free guarantee issuance up to VND 1.5 million and many additional benefits

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Short-term Loans

Short-term financing without collateral and/or up to 280% of the collateral value, with a wide variety of asset types.
Use for multiple purposes
Super-fast browsing in 4 hours

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Interbank Cash Exchange Transactions

Cash FX classification by quality standards
Fast delivery & receipt for transaction demands
Competitive pricing, full-service coverage

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FX Swap Transaction

Hedging against FX & interest rate risks
Optimize cost of capital
Tenors ranging 3-365 days

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Interest Rate Swap (IRS)

Hedging against market interest rate volatility
Optimizing cost of capital
Effective cash flow management

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CCS

Hedging against FX & interest rate risks
Optimizing cost of capital
Optimizing borrowing costs from VND to USD

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FX Forward Transactions

Exchange rate incentives of up to 80 points
Future foreign exchange trading with rates fixed at the transaction date
Tenors ranging 3-365 days

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FX Spot Transactions

Trading in up to 100 foreign currencies
Fast and convenient procedures
Fast online transactions completed in just one minute, with competitive pricing

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Real Estate Business Loans

Loan limit of up to VND 50 billion
Principal grace period of up to 60 months
Flexible income sources accepted

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Financing for Enterprises Leasing Industrial Real Estate at ROX iPark

Financing up to 85% of the land lease contract value
Financing tenure of up to 10 years
Grace period of up to 36 months

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M-Smart Digital Account

100% Online – Account Opening in Just 10 Minutes
Transaction Limit up to VND 20 Billion
Attractive Benefits

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MSB Business Banking Digital Platform

A Powerful Platform – Seamless and End-to-End Transactions
Experience Distinctive Features
Optimize Returns

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Collection Services

Competitive Fees
Expert Advisory Support
Extensive International Correspondent Network

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Vietnam-China Border Trade Payments

Fast – Secure – Accurate
Fast CNY transfers to partners
Attractive and highly competitive rates in the market

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Import Letters of Credit (L/C)

100% Unsecured L/C Issuance
Access to Cost-Effective Financing (VND and Foreign Currency)
Expert Advisory Support

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Export Letters of Credit (L/C)

Financing up to 90% of the L/C value upon receipt of the contract or L/C
Expert Advisory Support
Comprehensive Support Services

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Document Discounting

Discount rate of up to 98% of the document value
Flexible Procedures
No Collateral Required

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Guarantees

Diverse Guarantee Types
Guarantee Issuance in Just 1.5 Hours
Collateral Ratio from 0%

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Transportation Asset Financing

Competitive interest rates
Loan tenor of up to 60 months
Financing of up to 80% of the collateral value

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Medium- and Long-term Investment Loans

Comprehensive financing for business needs
Diverse financing structures and collateral types
Financing of up to 80% of total project investment cost.

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MSB Visa Business Card

Credit limit of up to VND 500 million
Cash withdrawal of up to 30% of the card limit
Unlimited number of cards – Interest-free period of up to 45 days

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Receivables Financing Based on Offtake Contracts

Credit limit of up to VND 200 billion
Financing available before the official contract is signed
Financing tenor of up to 12 months

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Factoring

Flexible Financing Solutions
Financing of up to 90% of the outstanding invoice value
Financing from the moment valid receivables are formed

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Overdraft Facilities

No debt acknowledgment agreement required – fast payments
Disbursement first – documents later
Flexible payment channels

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Project Home Loans

Interest rates from 0%
Principal grace period of up to 60 months
Loan tenure of up to 40 years

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Foreign Exchange Agent Services

Multiple Foreign Currencies Accepted
Legal and Fast Transactions in Just 15 Minutes
Competitive Exchange Rates

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Inbound International Remittances via RIA

Global Coverage
Zero Fees & Preferential Exchange Rates
No Action Required – Funds Delivered to Your Account

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Inbound Intl. Remittances via Western Union

Connected to a Global Remittance Network
Preferential Exchange Rates & Zero Fees
Simple and Fast Process

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Inbound International Remittances via SWIFT

Global transactions across more than 190 countries
Attractive exchange rate & cash withdrawal fee incentives
Simple & fast processing

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International Transfers via Western Union

Extensive Global Network
Top-Level Security
Simple and Fast Process

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International Transfers via SWIFT

Global transactions in over 190 countries
Top-level security
Simple and fast process

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Apartment Insurance 4.0

Most competitive premium in the market
Dual protection for your apartment and third-party liability
Policy issued in just one tap

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Critical Illness Insurance

Independent benefits from Health Insurance / Medical Insurance
Lump-sum payout of the full Sum Insured
Simple claim procedures

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K-Care Cancer Insurance

Protection benefits up to VND 1.6 billion
Affordable insurance premium
Simple procedures and fast claim payment

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Hospitalization Benefit Insurance

Independent benefits from Health Insurance / Medical Insurance
Daily hospitalization allowance
Insurance coverage up to VND 150 million per year

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M-Flexcare Global Health Insurance

Comprehensive protection with flexible benefit options
Nationwide hospital guarantee
Fast and convenient claims process

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Grow Your Wealth with MSB Accounts

Earn up to 6.9% per year
Flexible transferability
Safe and convenient online transactions

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Consumer Overdraft

Overdraft tenure of up to 12 months
Fast approval, simple procedures
Attractive interest rates

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Home Construction & Renovation Loans

Fixed interest rate of 6.0% per year for the first 6 months
Fast approval, streamlined procedures
Loan limit of up to VND 20 billion

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Used Car Loans

Interest rates from 7.5% per year
Financing available even before vehicle registration
Loan tenure of up to 8 years

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Consumer Loans

Loan limit of up to VND 5 billion
Interest rates from only 0.65% per month
Loan tenure of up to 10 years

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New Car Loans

Interest rates from 7.5% per year
Loan tenure of up to 9 years
Financing of up to 90% of the vehicle value

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Working Capital Loans

Preferential interest rates from 0.55% per month
Loan limit of up to VND 50 billion
No business registration required

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Fixed Asset Investment Loans

Financing up to 90% of funding needs
Fast approval, simple procedures
Principal grace period of up to 12 months

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Title-Deed Property Loans

Financing up to 90% of the loan plan value
Principal grace period up to 24 months
Fast approval and simple procedures

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Household Business Account

Simple and transparent revenue management
Multiple payment acceptance options
Long-term partnership for sustainable growth

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Government Bond Bidding Agency Services

Simple and efficient procedures
Dedicated team of experienced advisors
Attractive bidding fee incentives

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Government Bond Repo/Reverse Repo Transactions

Secure, transparent and efficient transactions
Preferential interest rates
MSB is a reputable credit institution in executing Repo and Reverse Repo transactions

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