OCB review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
For households seeking everyday card flexibility, OCB offers credit cards supported by fixed accounts and personal, secured and business borrowing across household and enterprise needs. The range brings card spending and structured borrowing together with phone support for ongoing account questions and day to day management.
Key facts
Savings
- Headline rate
- 6.7%↗
- Rate type
- Fixed↗
- Term
- 12 months↗
- Minimum deposit
- ₫100,000↗
- Access terms
- Term 1 week to 36 months (VND), 1 to 12 months (USD); interest paid at maturity, monthly, quarterly, 6-monthly or in advance; full early withdrawal allowed on at least 1 day notice, then paid at the no-term rate↗
- Account kind
- Fixed↗
Loans
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- Wikipediafacebook.comyoutube.com
Pros
Pros
- Credit card range linked to fixed account structures
- Borrowing choice covers personal, secured and business needs
- Phone support available direct for ongoing account questions
Who it suits
- Households wanting card spending plus structured borrowing
- Borrowers seeking personal, secured or business structures
How OCB compares
Where OCB is available
- Available
- Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What products does OCB provide?+
OCB provides credit cards alongside a fixed account structure. Its range also extends across varied borrowing for different needs. That breadth allows households to keep card spending and loans under one familiar brand.
Which types of borrowing sit alongside OCB cards?+
The borrowing range covers personal borrowing, secured borrowing and business borrowing. Each option sits beside the credit card range. Households can carefully match the structure to varied household or enterprise plans.
Who might consider OCB?+
Households seeking card spending with additional borrowing options may look here. Those wanting personal, secured or business structures find relevant choice. Card management stays straightforward when needs stay within this defined range.
Which company operates OCB?+
OCB is operated by Orient Commercial Joint Stock Bank. (Source, checked September 26, 2026)
Where is OCB based?+
OCB is based in Vietnam. (Source, checked September 26, 2026)
When was OCB founded?+
OCB was founded in 1996. (Source, checked September 26, 2026)
How can I contact OCB support?+
OCB offers support through Phone. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Orient_Commercial_Bank checked September 26, 2026
Backs: Legal entity
“Orient Commercial Joint Stock Bank”
- ocb.com.vn checked September 26, 2026
Backs: APR, Loan types
“lãi suất vay ưu đãi chỉ từ 9,25%”
- ocb.com.vn/vi/TOOLS_SLUG/lai-suat checked September 26, 2026
Backs: Account kind, Headline rate, Term
“PERIOD ... 12 Thang 6.7 (REGULAR_SAVING)”
- ocb.com.vn/vi/ve-ocb/gioi-thieu checked September 26, 2026
Backs: Founded, Headquarters
“Di doi van phong hoi so ve toa nha The Hallmark (Tp. Ho Chi Minh)”
- ocb.com.vn checked September 26, 2026
Backs: Support channels
“1800 6678”
- ocb.com.vn/vi/ca-nhan/the/the-tin-dung checked September 26, 2026
Backs: Card kind
“Mo the Tin dung”
- ocb.com.vn/vi/ca-nhan/tiet-kiem/tiet-kiem-thong-thuong checked September 26, 2026
Backs: Access terms, Minimum deposit, Pricing model, Rate type
“So tien gui toi thieu 100.000VND/50 USD”
- ocb.com.vn/vi/ve-ocb/gioi-thieu checked September 26, 2026
Backs: Lender type
“Ngân hàng TMCP Phương Đông (OCB), được thành lập từ năm 1996”
Compiled from 8 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.