Benefits

Competitive interest rate

Periodically paid interest as a stable and steady income to meet regular spending/consumption needs

Please see interest rates at Tariff (VND, USD)

Can transfer or pledge savings book to borrow at MSB at preferred interest rate

Easy deposits and withdrawals at any branch of MSB

Periodically paid interest for daily spending needs

Savings interest rate

The more savings deposits, the higher the interest earned.

Unit	Deposit agreement	Bamboo * 141003	Golden bee (*) 247727		Immediate interest payout 141077		Regular yield 139141		Partial withdrawal of principal 3053987		Highest interest rate 272472
Unit	Deposit agreement	Bamboo * 141003	Deposit at the counter	Deposit online	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	0.0	0.0	0.5
01 month	3.6				2.7	3.15			3.6	4.1	3.6	4.1
02 months	3.6				2.7	3.15	3.4	3.9	3.6	4.1	3.6	4.1
03 months	3.6	3.0	3.0	3.0	2.9	3.15	3.4	3.9	3.6	4.1	3.6	4.1
04 months	3.6	3.0	3.0	3.0	2.9	3.15	3.4	3.9	3.6	4.1	3.6	4.1
05 months	3.6	3.0	3.0	3.0	2.9	3.15	3.4	3.9	3.6	4.1	3.6	4.1
06 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
07 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
08 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
09 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
10 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
11 months	4.7	3.6	3.6	3.6	3.45	3.45	4.5	4.8	4.7	5.0	4.7	5.0
12 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
13 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
15 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
18 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
24 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
36 months	5.5	4.0	4.0	4.0	3.45	4.0	5.2	5.5	5.5	5.8	5.5	5.8
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.

Savings function

Flexible terms

2-13, 15, 18, 24, 36 months

Interest payment

Monthly or end of term

Minimum required amount

500.000 VND/30 USD

Deposit currency

VND, USD

Maturity

If you do not settle on maturity date and there is no prior agreement, your principal and interest earnings will roll over to a new similar term with prevalent rate at the time of rollover (if settlement date is on non-business day or holiday under MSB’s regulation, your principal and interest will be settled next business day).

Early withdrawal

You can prematurely withdraw your deposit and earn demand deposit rate. Our system will automatically update expected interest earnings and deduct from principal the difference between paid interest earnings and expected interest earnings.

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

Open overdraft