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Vietnam Maritime Commercial Joint Stock Bank
54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam
MSB Digital Bank
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Vietnam Maritime Commercial Joint Stock Bank
54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam
Interest Rates
Chưa có sản phẩm. Kiểm tra bộ lọc hoặc dữ liệu manual.
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
Vietnam-China Border Trade Payments
- Fast – Secure – Accurate
- Fast CNY transfers to partners
- Attractive and highly competitive rates in the market
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
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 10th policy year
International Transfers via RIA
- Extensive Global Network
- Top-Level Security
- Simple and Fast Process
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
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
Interbank Cash Exchange Transactions
- Cash FX classification by quality standards
- Fast delivery & receipt for transaction demands
- Competitive pricing, full-service coverage
FX Swap Transaction
- Hedging against FX & interest rate risks
- Optimize cost of capital
- Tenors ranging 3-365 days
Interest Rate Swap (IRS)
- Hedging against market interest rate volatility
- Optimizing cost of capital
- Effective cash flow management
CCS
- Hedging against FX & interest rate risks
- Optimizing cost of capital
- Optimizing borrowing costs from VND to USD
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
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
Real Estate Business Loans
- Loan limit of up to VND 50 billion
- Principal grace period of up to 60 months
- Flexible income sources accepted
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
M-Smart Digital Account
- 100% Online – Account Opening in Just 10 Minutes
- Transaction Limit up to VND 20 Billion
- Attractive Benefits
MSB Business Banking Digital Platform
- A Powerful Platform – Seamless and End-to-End Transactions
- Experience Distinctive Features
- Optimize Returns
Collection Services
- Competitive Fees
- Expert Advisory Support
- Extensive International Correspondent Network
Vietnam-China Border Trade Payments
- Fast – Secure – Accurate
- Fast CNY transfers to partners
- Attractive and highly competitive rates in the market
Import Letters of Credit (L/C)
- 100% Unsecured L/C Issuance
- Access to Cost-Effective Financing (VND and Foreign Currency)
- Expert Advisory Support
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
Document Discounting
- Discount rate of up to 98% of the document value
- Flexible Procedures
- No Collateral Required
Guarantees
- Diverse Guarantee Types
- Guarantee Issuance in Just 1.5 Hours
- Collateral Ratio from 0%
Transportation Asset Financing
- Competitive interest rates
- Loan tenor of up to 60 months
- Financing of up to 80% of the collateral value
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.
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
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
Factoring
- Flexible Financing Solutions
- Financing of up to 90% of the outstanding invoice value
- Financing from the moment valid receivables are formed
Overdraft Facilities
- No debt acknowledgment agreement required – fast payments
- Disbursement first – documents later
- Flexible payment channels
Project Home Loans
- Interest rates from 0%
- Principal grace period of up to 60 months
- Loan tenure of up to 40 years
Foreign Exchange Agent Services
- Multiple Foreign Currencies Accepted
- Legal and Fast Transactions in Just 15 Minutes
- Competitive Exchange Rates
Inbound International Remittances via RIA
- Global Coverage
- Zero Fees & Preferential Exchange Rates
- No Action Required – Funds Delivered to Your Account
Inbound Intl. Remittances via Western Union
- Connected to a Global Remittance Network
- Preferential Exchange Rates & Zero Fees
- Simple and Fast Process
Inbound International Remittances via SWIFT
- Global transactions across more than 190 countries
- Attractive exchange rate & cash withdrawal fee incentives
- Simple & fast processing
International Transfers via Western Union
- Extensive Global Network
- Top-Level Security
- Simple and Fast Process
International Transfers via SWIFT
- Global transactions in over 190 countries
- Top-level security
- Simple and fast process
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
Critical Illness Insurance
- Independent benefits from Health Insurance / Medical Insurance
- Lump-sum payout of the full Sum Insured
- Simple claim procedures
K-Care Cancer Insurance
- Protection benefits up to VND 1.6 billion
- Affordable insurance premium
- Simple procedures and fast claim payment
Hospitalization Benefit Insurance
- Independent benefits from Health Insurance / Medical Insurance
- Daily hospitalization allowance
- Insurance coverage up to VND 150 million per year
M-Flexcare Global Health Insurance
- Comprehensive protection with flexible benefit options
- Nationwide hospital guarantee
- Fast and convenient claims process
Grow Your Wealth with MSB Accounts
- Earn up to 6.9% per year
- Flexible transferability
- Safe and convenient online transactions
Consumer Overdraft
- Overdraft tenure of up to 12 months
- Fast approval, simple procedures
- Attractive interest rates
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
Used Car Loans
- Interest rates from 7.5% per year
- Financing available even before vehicle registration
- Loan tenure of up to 8 years
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
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
Working Capital Loans
- Preferential interest rates from 0.55% per month
- Loan limit of up to VND 50 billion
- No business registration required
Fixed Asset Investment Loans
- Financing up to 90% of funding needs
- Fast approval, simple procedures
- Principal grace period of up to 12 months
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
Household Business Account
- Simple and transparent revenue management
- Multiple payment acceptance options
- Long-term partnership for sustainable growth
Government Bond Bidding Agency Services
- Simple and efficient procedures
- Dedicated team of experienced advisors
- Attractive bidding fee incentives
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
Valuable Papers Services
- Diverse investment portfolio – Ready to meet a wide range of investment needs
- Advanced trading capabilities and market expertise
- Reputable market maker – Competitive and transparent pricing
Short-term Financing for Domestic Banks
- Flexible short-term financing solutions
- Fast quotation and disbursement
- Simple procedures and documentation with comprehensive risk control
Interest Rate Swap (IRS)
- Hedging against market interest rate volatility
- Optimizing cost of capital
- Effective cash flow management
Letters of Credit (L/C)
- Competitive pricing and service fees, optimizing transaction costs
- Streamlined processing in accordance with international standards
- Extensive correspondent banking network
Collection & Disbursement Services
- Minimize cash-related risks for enterprises
- Accurate – secure – on time
- Optimize resources
Short-Term Loans
- Loan limits of up to 98% of funding requirements
- Loan tenor under the Debt Acknowledgement Agreement of up to 12 months
- Interest rates optimized for each customer
Overdraft Facilities
- Financing of up to 98% of collateral value
- Flexible solutions to meet funding needs
- Optimized cash flow management
Bill Payment Services
- Multi-channel transactions
- Simple, convenient and fast
- Free service usage
Issuance of Guarantees Based on Counter-Guarantees
- Compliance with international practices
- Clear and transparent processes
- Extensive correspondent banking network
CCS
- Hedging against foreign exchange and interest rate risks
- Optimizing cost of capital
- Optimizing borrowing costs from VND to USD
Tax Payment Services
- Multi-channel transactions
- Simple, convenient and fast
- Free service usage
Direct Guarantee Issuance
- Financing of up to 100%, without collateral
- Provision of a full range of guarantee services
- Streamlined procedures with direct advisory support from MSB’s team of experts
International Money Transfers
- Multi-channel transactions
- Simple, convenient, and fast
- Transfer fee incentives of up to 100%
Centralized Account Management Services
- Enhance efficiency of idle cash flows
- Minimal resource utilization
- Tight control over member accounts
Domestic Money Transfer
- Multi-channel transactions
- Simple, convenient and fast
- Transfer fee incentives of up to 100%
Specialized Purpose Accounts
- Diversified account types
- Meeting diverse purposes
- Flexible currency options
Custody and Supervisory Banking Services
- Advisory solutions tailored to all customer needs
- Secure asset management with absolute confidentiality
- Optimized securities custody service processes
Current Accounts
- Diversified transaction channels
- Ultra-fast online account opening
- Exclusive fee privileges
Advising of Letters of Credit and Guarantees
- Simple and fast procedures
- Comprehensive operational support throughout the transaction
- Extensive correspondent banking network connecting more than 400 banks
International Money Transfer
- Fast and real-time transaction processing
- Competitive fees and attractive exchange rates
- Extensive network of partners and correspondent banks
Domestic Money Transfer
- Extensive, multi-channel money transfer network
- Comprehensive solutions for domestic transfer needs
- Flexible fee packages – optimized operating costs
Collection and Disbursement Solutions
- Comprehensive collection and disbursement solution
- Multi-channel collection and disbursement with flexible connectivity
- Fast and accurate inquiry, reconciliation, and transaction support
Account Services
- Diversified account portfolio
- Convenient and secure electronic banking
- Attractive service fee incentives
Foreign Currency Savings
- Wide selection of currencies and tenors
- Transactions available at all MSB branches
- Top-tier security
State-funded Construction Financing
- Flexible unsecured financing of up to 100%
- Bank guarantee issuance with margin requirement as low as 0%
- Multiple financing utilization structures
Financing for Metal Structure Manufacturing
- Credit limits up to VND 200 billion
- Bank guarantee issuance with margin requirement starting from 0%
- Up to 90% of order value for exports
Financing for Pharma & Medical Supply Firms
- Up to 100% unsecured financing of input costs
- Bank guarantee issuance with margin requirement as low as 0%
- Multiple capital utilization options
Financing for Power & Electrical Equipment Firms
- Up to 100% unsecured financing
- Financing of up to 280% of asset-secured value
- Multiple financing utilization structures
Financing Solutions for FMCG Trading Enterprises
- Credit limits of up to VND 200 billion
- Flexible unsecured financing of up to 100%
- Maximum payment guarantee tenor of up to 13 months
Secondary Trading of Government Bonds / Government-Guaranteed Bonds
- Competitive bid and offer prices aligned with market movements
- Diverse bond tenors to meet investment and portfolio management needs
- Fast and convenient transaction process
Interbank Currency Transactions
- An effective money market investment instrument
- Secure investment with a robust risk management framework
- Enhanced liquidity with competitive interbank rates
Interbank Cash Exchange Transactions
- Cash FX classification by quality standards
- Fast delivery & receipt for transaction demands
- Competitive pricing, full-service coverage
FX Swap Transaction
- Hedging against FX & interest rate risks
- Optimize the cost of capital
- Tenors ranging 3-365 days
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
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
Lucky Number Account
- Choose your preferred lucky payment account number
- Diverse range of beautiful numbers – free selection consultancy
- Easy to own
Golden Bee Savings
- Flexible multiple deposits
- Interest rates adjusted by period
- Top-tier security
Upfront Interest Savings
- Receive interest immediately upon deposit
- Flexible tenors, 1-36 months
- Eligible for preferential overdraft rates
Recurring Interest Savings
- Periodic interest payouts
- Attractive interest rates of up to 5.5% per annum
- Eligible for preferential overdraft rates
Payroll Account
- 100% Fee-Free Transactions
- Outstanding Personal Financial Solutions
- Premium Credit Privileges
Household Business Account
- Simple and transparent revenue management
- Multiple payment acceptance options
- Long-term partnership for sustainable growth
Highest Interest Rate Savings
- Top interest rates
- Flexible tenors
- Eligible for preferential overdraft rates
Partial Withdrawal Savings
- Optimize returns with flexible partial withdrawals & ongoing interest
- Flexible tenors
- Safe and secure
Time Deposit Account
- Flexible transaction channels
- Optimized efficiency tailored to business needs
- Attractive interest rates
Online Fixed-Term Deposits
- Attractive interest rates, up to 0.5% higher than counter rates
- Flexible multiple deposits
- Safe and secure
Budding Savings
- Savings solutions for children
- Flexible recurring deposits with no minimum limit
- Long-term saving tenors of up to 15 years
Current Account
- Lifetime free, registration in just 1 minute
- Continuous returns with yields of up to 5.8% per annum
- Choose your preferred lucky account number
Napas Domestic Card
- Online transactions anytime, anywhere
- One-tap payments with Apple Pay & Samsung Pay
- Fast issuance and easy account management
MSB Visa Classic
- Cost-efficient international debit card
- One-tap payments with Apple Pay & Samsung Pay
- Enjoy global privileges from MSB, Visa, and partner networks
MSB Mastercard Platinum FCB
- Zero-fee international debit card
- One-tap payments with Apple Pay & Samsung Pay
- Enjoy global privileges from MSB, Mastercard, and partner networks
MSB Rewards
- Earn points automatically on every transaction
- Voucher ecosystem from over 1,000 brands
- Exclusive 0 M-Point deals for MSB customers
MSB Mastercard World Elite
- Exclusive cashback on every transaction
- Global transaction privileges
- Unlimited airport lounge experiences
MSB Digital Bank
- Personalized services – Precisely tailored to your needs
- All-in-one utility ecosystem
- Powerful performance – Smooth experience
MSB Mastercard Green World
- Smart travel cashback, up to VND 24 million per year
- Domestic airport lounge privileges
- Green SM e-vouchers Offers
MSB Visa Signature
- Cashback up to 12 million VND/year
- JOY privileges ecosystem
- Link Wallet & Pay Instantly
MSB Mastercard Family
- Earn up to 30% cashback on family care spending
- JOY privileges ecosystem
- Link your e-wallet and enjoy fast one-tap payments
MSB Visa Travel
- Earn up to 6% cashback on travel spending
- Up to VND 7.2 million cashback per year
- Link your e-wallet and enjoy fast one-tap payments
MSB Visa Online
- 10% cashback on online transactions, up to VND 300,000 per month
- Exclusive offers for online purchases
- Link your e-wallet and enjoy fast one-tap payments
MSB Mastercard mDigi
- Enjoy flexible 20% cashback
- JOY privileges ecosystem
- Link your e-wallet and enjoy fast one-tap payments
MSB Mastercard Hybrid
- 2-in-1 card combining debit and credit features
- Attractive cashback and reward points
- Smart and flexible spending experience
MSB Mastercard Super Free
- Zero-fee payment card
- Unlimited reward point accumulation
- Link Wallet & Pay Instantly
Promotions
MSB News
Frequently Asked Questions (FAQs)
Learn MoreCan I use Google Wallet on devices that support the iOS operating system?
08/05/2026
Currently, Google Wallet only works on devices with the Android operating system. Support for other operating systems will be updated if there are any announcements from Google.
Where can I use Google Pay?
08/05/2026
Pay with Google Pay anytime, anywhere at accepting payment points. You can pay in store at locations with the 
and pay online on website/app 
Is my device compatible with Google Pay?
08/05/2026
Android device on version 9.0 or higher, that has NFC/HCE technology, is compatible with Google Pay.