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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

Copyright © 2026 Vietnam Maritime Commercial Joint Stock Bank (MSB). All rights reserved.

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MSB Digital Bank

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Vietnam Maritime Commercial Joint Stock Bank

54A Nguyen Chi Thanh St., Lang Ward, Hanoi, Vietnam

Copyright © 2026 Vietnam Maritime Commercial Joint Stock Bank (MSB). All rights reserved.

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Savings

Golden Bee Savings

Golden Bee Savings

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

Apply

Budding Savings

Budding Savings

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

Learn More

Foreign Currency Savings

Foreign Currency Savings

Wide selection of currencies and tenors
Transactions available at all MSB branches
Top-tier security

Learn More

Upfront Interest Savings

Upfront Interest Savings

Receive interest immediately upon deposit
Flexible tenors, 1-36 months
Eligible for preferential overdraft rates

Apply

Recurring Interest Savings

Recurring Interest Savings

Periodic interest payouts
Attractive interest rates of up to 5.5% per annum
Eligible for preferential overdraft rates

Apply

Highest Interest Rate Savings

Highest Interest Rate Savings

Top interest rates
Flexible tenors
Eligible for preferential overdraft rates

Apply

Partial Withdrawal Savings

Partial Withdrawal Savings

Optimize returns with flexible partial withdrawals & ongoing interest
Flexible tenors
Safe and secure

Apply

Online Fixed-Term Deposits

Online Fixed-Term Deposits

Attractive interest rates, up to 0.5% higher than counter rates
Flexible multiple deposits
Safe and secure

Apply

TNEX by MSB Savings

TNEX by MSB Savings

Easy savings, attractive interest rates
Automatic rollover of the deposit
Flexible tenors

Apply

Foreign Currency Savings

Foreign Currency Savings

Wide selection of currencies and tenors
Transactions available at all MSB branches
Top-tier security

Learn More

Upfront Interest Savings

Upfront Interest Savings

Receive interest immediately upon deposit
Flexible tenors, 1-36 months
Eligible for preferential overdraft rates

Apply

Recurring Interest Savings

Recurring Interest Savings

Periodic interest payouts
Attractive interest rates of up to 5.5% per annum
Eligible for preferential overdraft rates

Apply

Highest Interest Rate Savings

Highest Interest Rate Savings

Top interest rates
Flexible tenors
Eligible for preferential overdraft rates

Apply

Partial Withdrawal Savings

Partial Withdrawal Savings

Optimize returns with flexible partial withdrawals & ongoing interest
Flexible tenors
Safe and secure

Apply

Online Fixed-Term Deposits

Online Fixed-Term Deposits

Attractive interest rates, up to 0.5% higher than counter rates
Flexible multiple deposits
Safe and secure

Apply

Golden Bee Savings

Golden Bee Savings

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

Apply

Budding Savings

Budding Savings

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

Learn More

Promotions

MSB Rewards: Loyalty Point Redemption Program for MSB Customers Officially Launched

24/02/2025

Starting from February 24, 2025, MSB Rewards – MSB’s point accrual and gift redemption program has officially launched. This program honors our loyal customers, allowing you to accumulate reward points from banking transactions and redeem them for thousands of attractive gifts. What makes MSB Rewards special? 🔹 Easy Point Accrual: Receive M-Points immediately when performing [...]

Amended terms and conditions: Promotion program for “new to bank” individual customers 2025 – 2026 (NTB 2025, 2026)

08/12/2025

1. SCOPE OF AMENDMENT This document serves to amend and supplement certain articles of the Promotion Program for Individual Customers who are New to Bank (NTB) for the 2025-2026 period, specifically focusing on customers participating in investment and wealth products for the first time. 2. AMENDED CONTENT 2.1. Extension of Program Duration Old duration: From [...]

Terms and conditions of the program “Deposit incentives for priority customers who maintain deposits in their payment accounts”

05/12/2025

1. Program Name: Deposit Offer for Priority Customers Maintaining Deposits in Payment Accounts 2. Product/Service: Online Savings Deposit 3. Scope of Implementation: Nationwide 4. Implementation Period: From December 5, 2025 to December 31, 2025 5. Participants: Priority customers included in the priority customer category who receive notification from MSB 6. Program Content – Priority customers [...]

MSB News

MSB to host an exclusive fansign event with Brand Ambassador Quang Hùng MasterD to celebrate the opening of the new headquarters

17/07/2026

To celebrate the grand opening of its new headquarters, MSB will host an exclusive Fansign event with its “Reach Beyond” Brand Ambassador, Quang Hùng MasterD. The event offers customers and fans a unique opportunity to meet the artist in person and be part of this special milestone. Event Details Time: 3:00 PM – 7:30 PM, [...]

Update to the Cashback Redemption Timeline for MSB Credit Cards

06/08/2026

Dear Valued Customer, MSB sincerely thanks you for your trust in and continued use of our credit card products. To further enhance your experience and optimize our processing procedures, MSB would like to inform you of an update to the cashback processing time for credit card point redemption transactions, as follows: Cashback Processing Time: Within [...]

“Become M-First Customers, Enjoy Comprehensive Healthcare Privileges” Program terms and conditions

24/07/2026

Program Name: “Become M-First Customers, Enjoy Comprehensive Healthcare Privileges” Promotional Categories (Products & Services): M-First Priority Customer Services Promotion Period: From July 24, 2026 until and including September 30, 2026 or while supplies last, whichever occurs earlier. Applicable Area & Territory: Promotion Type: Free Gifts with the Purchase and Sale of Goods and/or Provision of [...]

Frequently Asked Questions

Can customers withdraw funds before maturity multiple times during the savings period?

26/03/2026

Yes. With the Partial Withdrawal Savings product, customers can flexibly withdraw funds before maturity multiple times:

Up to 5 withdrawals for savings accounts opened at branches
Unlimited withdrawals for online savings accounts

Can customers authorize another person to close their savings account?

18/03/2026

Yes. MSB allows customers to authorize another person to close a savings account opened at a branch, in accordance with the bank’s current regulations.

Which MSB deposit product currently offers the highest interest rate?

18/03/2026

MSB’s Highest Interest Rate Savings product currently offers a competitive interest rate of up to 5.8%, helping customers maximize returns on their idle funds.