Bank interest rates today 12.12: Unexpected decrease

NCB interest rates slightly decreased

NCB's mobilization interest rate has been adjusted down by 0.1%/year for deposit terms from 6-11 months. After adjustment, the 6-7 month term has decreased to 5.45%/year; the 8 month term has decreased to 5.5%/year; the 9 month term is 5.55%/year; the 10 month term is 5.6%/year; the 11 month term is 5.65%/year.

NCB keeps deposit interest rates unchanged for the remaining terms. This bank used to list long-term deposit interest rates at up to 6.15%/year. However, from the end of October 2024, this interest rate will decrease to 5.8%/year.

Thus, since the beginning of December, 7 banks have reduced deposit interest rates, including: ABBank, VIB, IVB, LPBank, Bac A Bank, KienLongBank and NCB.

On the other hand, 9 banks increased interest rates, including: ABBank, IVB, TPBank, GPBank, MSB, Dong A Bank, ABBank, OCB, VIB. Of which, ABBank increased interest rates twice in December.

Special interest rate highest 7-9.5%

Many banks list interest rates at high levels, up to 7-9.5%. However, to receive this interest rate, special conditions must be met.

PVcomBank is currently leading in special interest rates when customers deposit money at the counter, with 9.5% for a term of 12-13 months. However, the condition to receive this interest rate is that customers must have a minimum deposit balance of VND 2,000 billion.

Next is HDBank with a particularly high interest rate, up to 8.1%/year for a 13-month term and 7.7% for a 12-month term, with a minimum balance of VND500 billion. This bank also applies a 6% interest rate for an 18-month term.

MSB applies interest rates for deposits at the counter up to 8%/year for a 13-month term and 7% for a 12-month term. The applicable conditions are that the savings book is newly opened or the savings book is opened from January 1, 2018, automatically renewed with a term of 12 months, 13 months and the deposit amount is from 500 billion VND.

Dong A Bank has a deposit interest rate of 13 months or more, with the final interest rate applied to deposits of 200 billion VND or more at 7.5%/year. This bank also applies an interest rate of 6.1% for a 24-month term.

Bac A Bank applies an interest rate of 6.15% for a term of 18-36 months, applicable to deposits over 1 billion VND.

Interest rate over 6% without special conditions

Interest rates above 6%/year are also being listed by some banks for long-term deposits but without a minimum deposit requirement.

Currently, IVB applies an interest rate of 6.2%/year for terms of 24 months or more, 6.05%/year for terms of 18 months and 6.05% for terms of 13 months; GPBank applies an interest rate of 6.25%/year for terms of 12 months and 6.35%/year for terms of 13-36 months.

Cake by VPBank applies an interest rate of 6.1% for a 24-month term; OceanBank applies an interest rate of 6.1% for a 24-month term; GPBank applies an interest rate of 6.05% for terms from 13-36 months.

BVBank applies an interest rate of 6% for 12-month and 24-month terms; VRB and Dong A Bank apply an interest rate of 6% for 24-month terms; VietABank applies an interest rate of 6% for 36-month terms; SaigonBank applies an interest rate of 6% for 13-, 18- and 24-month terms, and 6.1% for 36-month terms; HDBank applies an interest rate of 6% for 15-month terms and 6.1% for 18-month terms; BAOVIET Bank applies an interest rate of 6% for 15-, 18-, 24- and 36-month terms; ABBank applies an interest rate of 6% for 12-month terms;

Eximbank applies interest rates on weekends (Saturday and Sunday) for 15-month terms at 6.3%/year; for 18-month terms up to 6.4%/year.

Statistics of banks with the highest savings interest rates today:

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