Vietnam Maritime Commercial Joint Stock Bank

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

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Golden Bee Savings

A flexible installment savings solution for customers aged 18 and above, with easy transactions at branches or online.

What makes it special?

Product information

General Overview	A savings product with flexible tenors (3-36 months) that allows regular installment contributions and offers higher interest rates than traditional savings.
Tenor	3-13 months, 15, 18, 24, and 36 months
Currency	VND, USD
Minimum Initial Deposit	VND 1,000,000 / USD 100
Minimum Periodic Contribution	Minimum contribution: VND 50,000 or USD 2.
Interest Payment Method	At maturity
Maturity	If the customer does not close the deposit on the maturity date and no other agreement is in place, MSB will automatically roll over both principal and interest into the Highest Interest Rate Savings product with a corresponding new tenor and the interest rate applicable at the time of renewal. (If the maturity date falls on a weekend or public holiday as prescribed by MSB, the payment of principal and interest will be processed on the next business day.)
Early Withdrawal / Closure	Customers are allowed to withdraw before maturity and will earn non-term deposit interest rates. Deposits can be made and closed at the branch where the savings account was opened; savings accounts may also be closed at any MSB business unit within MSB’s operating network.

Tools

Deposit interest rate

0-6 mths 7-12 mths Over 12 mths

Term	At counter	Online

Interest paid at maturity

Deposit amount

VND

Interest (%pa)

Term

Total return

0 VND

Interest paid at maturity 0 VND

Interest rate 0 %

Frequently Asked Questions

Learn More

Can I choose which savings accounts to apply the enhanced security layer to?

12/02/2026

Yes. Customers may select one or multiple online savings accounts (up to 10 accounts per request).

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

18/03/2026

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

What is the enhanced security layer for savings accounts?

12/02/2026

Customers will have an additional protection layer when closing online savings accounts through security questions. Customers may select up to 3 security questions. When enabling or disabling the feature, customers must correctly answer the security questions set at the time of service registration.