Among the most heavily regulated banking groups, PVCombank is emerging with a series of new policies, quickly putting this bank in the group with the highest savings interest rates in the market.
PVCombank has just adjusted the deposit interest rate for all terms, applying both counter deposit and online deposit. According to the new interest rate table, online savings interest rates, interest paid at the end of the term at this bank increased sharply for short terms. The 1-month term increased by 0.8%/year, the 2-month term increased by 0.7%/year, the 3-month term increased by 0.65%/year, the 4-month term increased by 0.55%/year and the 5-month term increased by 0.45%/year compared to before. After adjustment, interest rates for terms from 15 months will simultaneously reach 4.75%/year, reaching the ceiling according to current regulations.
In the medium and long term group, the interest rate level at PVCombank continues to be raised. Terms from 611 months increased by 0.6%/year, to 5.8%/year. Terms of 12 months or more increased by 0.5%/year, exceeding the 6%/year mark, of which the 12-month term was at 6.1%/year, the 13-month term was 6.3%/year and the terms from 15'36 months were up to 6.8%/year.
Notably, in December 2025, PVCombank will implement a policy of adding up to 1.5%/year for customers making online savings deposits every Friday. The conditions are quite wide, just need to deposit online, term from 12 months or more and the minimum deposit is from 100 million VND.
With this policy, the actual interest rate received is pushed to a very high level, reaching 7.6%/year for a 12-month term, 7.8%/year for a 13-month term. If you deposit for a term of 1536 months, the actual interest rate will be up to 8.3%/year, a rare level on the market today for a deposit of only 100 million VND.
In parallel with general packages, PVCombank still maintains special interest rates of up to 9%/year for customers depositing for a term of 1213 months with a deposit of VND 2,000 billion or more.
Not only PVCombank, many other banks are also stepping up the interest rate race in the last month of the year.
Cake by VPBank listed interest rates at 6.76.9%/year for terms from 636 months. This bank also applies an additional promotion of up to 0.6%/year for first-time depositor customers, bringing the highest interest rate up to 7.5%/year for medium and long terms.
At Techcombank, the interest rate level has also been adjusted up. Terms over 6 months are currently listed at 66.1%/year. In December 2025, the bank will implement an additional 1%/year program for 3, 6 and 12-month term deposits. If all conditions are met, the actual interest rate received by depositors can reach a maximum of 7.1%/year.
In the high interest rate segment associated with large deposit conditions, HDBank applies an interest rate of 7.7%/year for a 12-month term and 8.1%/year for a 13-month term, with a minimum balance of VND500 billion.
Meanwhile, Vikki Bank is listing an interest rate of 8.4%/year for deposits with a term of 13 months or more, applicable to minimum deposits from 999 billion VND.
