Benefits

“Luck and Prosperity” interests include competitive fixed interest rate + government bond yield linked interest rate (>= 0% at all times). Thereby, you will have chance to earn 30% higher interest than normal savings products

Can be used as owner’s or relatives’ financial evidence to study or travel overseas

Can be transferred or pledged, etc. to borrow from MSB at preferred interest rate

Deposit and withdraw money at any branch of MSB.

141040

Savings interest rate

The more savings deposits, the higher the interest earned.

Unit Bamboo * 141003 Golden bee (*) 247727 Immediate interest payout 141077 Regular yield 139141 247875 Partial withdrawal of principal 3053987
Deposit at the counter Deposit online Deposit at the counter Deposit online Deposit at the counter Deposit online Deposit at the counter Deposit online
Early withdrawal 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
01 month 2.3 2.75 3.0 3.5
02 months 2.3 2.75 2.3 3.25 3.0 3.5
03 months 3.0 3.0 3.25 2.5 2.75 2.5 3.25 3.0 3.5
04 months 3.0 3.0 3.25 2.5 2.75 2.5 3.25 3.0 3.5
05 months 3.0 3.0 3.25 2.5 2.75 2.5 3.25 3.0 3.5
06 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
07 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
08 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
09 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
10 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
11 months 3.6 3.6 3.6 2.85 2.85 3.1 3.1 3.6 3.9
12 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
13 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
15 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
18 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
24 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
36 months 4.0 4.0 4.0 2.55 3.4 3.5 3.5 4.0 4.3
04 - 15 years 4.0
(*) Interest rate of term savings deposits (Golden Ong and Non-Mung) is floating and changes according to the MSB Interest Rate Table issued from time to time.
(**) Highest interest rate product: Newly opened savings book or Savings book opened from January 1, 2018 automatically renews with 12-month deposit term and deposit amount from VND 500 billion (Five hundred billion VND) VND) with the interest rate of 7.0%/year.
(***) Highest interest rate product: Newly opened savings book or Savings book opened from January 1, 2018 automatically renews with 13-month deposit term and deposit amount from VND 500 billion (Five hundred billion VND) billion VND) with the interest rate of 8.0%/year.

Term deposit

6 months, 12 months and 18 months

Date of Luck and Prosperity CD issuance: from March 20, 2019

Interest payment

End of term

Deposit currency

VND

Interest rates

2 components: prime interest rate: fixed by MSB from the beginning until end of CD term

Linked interest rate: extra interest payoff (if any) linked with government bond yield movements on secondary market. Linked interest rate is not below (<) 0% at any times.

Linked interest rate = D * (Yo – Y(t-1)) * 365/t x 100%, in which:

- D: multiplier at MSB’s discretion from time to time

- Yo: government bond yield on the issuance date of CD

- Y(t-1): government bond yield one (1) business day before CD maturity date. For example, CD matures by October 1, 2019 then Y(t-1) is calculated on September 1, 2019. If maturity or Y(t-1) date is on Saturdays, Sundays, holidays, government bond yield will be calculated on preceding business day

- t: CD term on a daily basis. Government bond yield used by MSB as benchmark;

Convenience service included

Open overdraft on secured online savings book

Mobile App

Reliable network

Customer warning

Deposit insurance

If customers have a need to use flexible financial resources when the savings book is not due yet,
Open an online mortgage overdraft from a savings book with an interest rate of 8.49%/year and pay according to the amount and number of days used

More information on savings products?

Gợi ý sản phẩm tiết kiệm phù hợp

Highest interest deposit - MSB

Highest interest rate among deposit products

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Wealth and Safety Deposit

Can deposit and withdraw on a daily basis with interest increasing according to balance

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Partial withdrawal Deposits

See more:

Interest upfront term deposit

Interest paid upfront at the time of depositing

See more:

How to get savings book at ease?

Please visit the nearest MSB’s branch/transaction office or access mBank app to open an online deposit account rapidly and conveniently.

(Please scan QR code to open online deposit account)

Contact us

Hotline

1900 6083

(024) 3944 5566

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