Savings interest rates continue to fall
BIDV sharply reduces deposit interest rates for terms of 6–36 months. Accordingly, the online interest rate for interest paid at the end of the term of 6–11 months decreased by 0.8%/year, to 5.8%/year; the term of 12–18 months decreased by 0.9%/year, to 5.9%/year; the term of 24–36 months decreased by 0.8%/year, to 6%/year.
SeABank continues to reduce an additional 0.2%/year for terms of 6–36 months. The interest rate for a 6-month term is 4.95%/year; 12 months 5.3%/year; 15 months 5.55%/year; 18–36 months 5.75%/year. For the interest rate at the end of the term, the highest level is currently 6.05%/year.
Following the same trend, MBV reduced interest rates by 0.3%/year for terms of 12–36 months, currently listing 7.2%/year for terms of 6–36 months; short terms of 1–5 months at 4.6–4.75%/year. Cashier interest rates are lower than online interest rates by 0.2–0.7%/year depending on the term.
At MSB, the 36-month term interest rate also decreased sharply by 0.5%/year to 6.1%/year, this is the second consecutive adjustment of this bank in just a few days.
Information at the press conference announcing the results of monetary policy and banking operations in the first quarter of 2026 on the afternoon of April 14, representatives of the State Bank said that immediately after the meeting on April 9, commercial banks agreed to reduce the general level of interest rates and to date, about 26 commercial banks have adjusted down listed deposit interest rates with a reduction of about 0.1-0.5%/year, mainly for terms of 6 months or more, thereby having a basis to reduce lending interest rates to support economic growth.
Highest special interest rate 9-10%/year
The market recorded many special interest rate packages at high levels, ranging from 7-10%/year.
PVcomBank is applying a special interest rate of 10%/year for a term of 12-13 months when depositing money at the counter, with the condition of maintaining a minimum balance of 20,000 billion VND. The new interest rate has increased by 1%/year, previously, the bank listed 9%/year for the same term and deposit conditions.
Cake by VPBank is applying an interest rate of 7.2-7.4%/year for terms from 6 to 24 months. The bank maintains a policy of adding 1.3%/year, bringing the highest actual received interest rate to 8.7%.
MSB announces an interest rate of 9%/year for newly opened customers, or savings books opened from the beginning of 2018 automatically renewed, with terms of 12 months, 13 months and deposits from 500 billion VND or more for a term of 13 months.
HDBank applies an interest rate of 8.1%/year for a 13-month term and 7.7%/year for a 12-month term, with a minimum balance of 500 billion VND.
Vikki Bank applies an interest rate of 8.4%/year for deposits from 13 months or more, with a minimum deposit amount of 999 billion VND.
Statistics of banks with the highest savings deposit interest rates today:
Comparing the highest bank interest rates for a 3-month term
Interest rates for 6-month term savings deposits at banks
12-month savings deposit, which bank's interest rate is the highest?
Highest bank interest rate for 24-month term
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.
