BVBank has just announced the deployment of online deposit certificate products with the highest interest rate of up to 7.8%/year.
Accordingly, customers can buy deposit certificates through digital channels with a minimum amount of 10 million VND, applicable to 4 terms including 6, 9, 12 and 15 months. The corresponding interest rates are 6.5%/year for terms of 6 and 9 months; 6.8%/year for terms of 12 months; and highest 7.8%/year for terms of 15 months.
The program is implemented by BVBank from December 22, 2025 to the end of March 31, 2026 or ends early when reaching an issuance scale of 1,000 billion VND.
At the end of 2025, the interest rate race heated up as some banks launched big incentives, helping depositors with 100 million VND to enjoy rare profits.
According to the new interest rate table, online savings with interest at the end of the term at PVCombank recorded strong increases in short terms. 1-month term increased by 0.8%/year, 2-month term increased by 0.7%/year, 3-month term increased by 0.65%, 4-month term increased by 0.55%/year and 5-month term increased by 0.45%/year compared to before. After adjustment, interest rates for terms from 1-5 months simultaneously reached 4.75%/year, reaching the ceiling according to current regulations.
In the medium and long-term term group, the interest rate level continued to rise. Terms from 6-11 months increased by 0.6%/year, reaching 5.8%/year. From 12 months and above, the interest rate exceeded 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 reached 6.8%/year.
A noteworthy point lies in the preferential policy implemented in December 2025. PVCombank applies an additional program of up to 1.5%/year for customers depositing online savings on Fridays every week. The application conditions are relatively broad, only need to deposit online, with a term of 12 months or more and a minimum deposit amount of 100 million VND.
With this additional level, the actual interest rate received by depositors is pushed up very high. Deposits of 100 million VND can enjoy an interest rate of 7.6%/year for a 12-month term, 7.8%/year for a 13-month term. In particular, if choosing a term from 15–36 months, the actual interest rate received is up to 8.3%/year, a rare level on the market today for deposits that are not large.
In the cash deposit channel, PVCombank also adjusted to increase interest rates with a similar margin. After the adjustment, terms of 1–5 months all reached 4.75%/year, but the cash deposit interest rate for the remaining terms was about 0.3–0.5%/year lower than online deposits. In addition to popular packages, this bank still maintains a special interest rate of up to 9%/year for customers depositing terms of 12–13 months with amounts from 2,000 billion VND or more.
Some other banks are also accelerating in the year-end interest rate race. Cake by VPBank lists interest rates of 6.7-6.9%/year for terms from 6-36 months. This digital bank also applies incentives plus a maximum of 0.6%/year for first-time depositors, thereby bringing the highest interest rate to 7.5%/year for medium and long terms.
