Which bank has the highest savings interest rate today?
As of February 6, 2025, many joint stock commercial banks are listing higher interest rates than the Big 4 group. Of which, HDBank is leading with 7.8%/year for a 12-month term.
With a rate of 7.8%/year, HDBank is the most attractive choice for customers who want to save for a 12-month term.
Deposit 200 million VND at HDBank, how much interest do you receive?
Customers depositing 200 million VND for a 12-month term at HDBank will receive:
Interest = 200 million VND × 7.8% = 15.6 million VND
Thus, the total amount of principal and interest after 1 year will be 215.6 million VND.
Comparison with the Big 4 state-owned banks
Compared to Vietcombank, Agribank, VietinBank, BIDV, HDBank's interest rates are significantly higher. Below is a comparison table of 12-month interest rates between banks:
Note when saving
High interest rates often come with conditions: Some banks apply preferential interest rates for online deposits or large deposits.
Check the early withdrawal terms: If you plan to use the money early, you should choose a suitable term to avoid losing interest.
Choose a bank that suits your needs: If safety and stability are your priority, state-owned banks are still a worthy choice.
Bank interest rates may change from time to time. Customers should contact the bank directly or visit the official website to update the latest interest rates.
