If you’re going to finish your second year in 2023, how do you plan to get your Bachelor’s in 2024?

Why do you need to decide right now? You’re not even half way through with your Bachelors, and you haven’t had any of the hard CS courses yet.

Statistically you’re much less likely to go back to school after you graduate, so if you want to get MSc you should do it right after BSc.

Also, the benefits of having an MSc from a recognizable university would normally outweigh the 1-2 year delay for the start of your SWE career, unless you’re somehow offered an amazing job opportunity (hint: not a boring 9-5 entry level job at Lego).