According to records on September 12, 2026 at Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank), online deposit products have listed interest rates that are more profitable than depositing at counters.
Online savings deposit interest rates (%/year) are announced by HDBank as follows:
Term 1-2 months: 4.20%/year.
Term 3-5 months: 4.30%/year.
6-month term: 5.00%/year.
Term 7-11 months: 4.80%/year.
8-month term: 4.80%/year.
12-month term: 5.30%/year.
Term 13-15 months: 5.50%/year.
18-month term: 5.60%/year.
Term 24-36 months: 5.00%/year.
Deposit 200 million VND at HDBank: Highest interest of 30 million VND
The interest calculation formula applies as follows:
Interest amount = Deposit amount * interest rate (%/year) * number of actual deposit days/365
The analysis table below shows the expected actual interest received when depositing 200 million VND online at HDBank:
Thus, with a term of 36 months, the amount of interest received is up to 30 million VND.
The term with the highest interest rate is 18 months (5.6%/year), bringing in a profit of 16.8 million VND.
Interest rate information is for reference only and may change in each period. Please contact the nearest bank transaction point or hotline for specific advice.
Readers can refer to more articles about interest rates HERE.
