Latest interest rates at Big 4 state-owned banks
According to data updated on February 6, 2025, savings interest rates at Vietcombank, Agribank, VietinBank, and BIDV continue to be stable at around 1.9-4.8%/year. Agribank and VietinBank continue to have the highest interest rates in the Big 4 group at 4.8%/year for a 24-month term, while BIDV and Vietcombank apply 4.7%/year.
Deposit 200 million VND at Big 4, how much interest will I receive?
Customers depositing 200 million VND for a 24-month term at Big 4 banks will receive the following corresponding interest rates:
If you deposit 200 million VND at Agribank or VietinBank, you will receive 19.2 million VND after 24 months. At BIDV or Vietcombank, the interest received is 18.8 million VND.
Which bank has the highest savings interest rate today?
Besides the Big 4 group, many joint stock commercial banks are listing higher interest rates, some up to 6-9%/year. However, these interest rates are usually applied to large deposits or long terms. PVcomBank continues to lead with interest rates up to 9%/year but has a minimum deposit requirement.
Note that the maximum interest rate for terms from 1 month to less than 6 months is regulated by the State Bank at 4.75%/year. Therefore, banks are not allowed to list interest rates exceeding this ceiling.
Note when saving
Conditions for applying high interest rates: Some banks apply high interest rates but only for online deposits or on special days.
Choose the right term: If you need financial flexibility, choose a short term to easily withdraw money when needed without losing interest.
Compare interest rates between banks: Before making a deposit, you should consult and compare interest rates between banks to optimize profits.
Bank interest rates may change from time to time. For the most up-to-date and detailed information, customers should contact the bank directly or visit their official website.
