Bank interest rates today 18. 2: Short-term interest rates rise sharply

Short-term interest rates rise

The deposit interest rate level continues to be high as many banks simultaneously push short-term interest rates to the regulated ceiling.

According to records, dozens of banks have raised deposit interest rates for under 6 months to 4.75%/year - the highest level according to State Bank regulations. Among them are PVComBank, MBV, Bac A Bank, VIB, OCB, Cake by VPBank, VCBNeo, PGBank, BVBank, SaigonBank, VPBank, LPBank, NCB, BAOVIET Bank, TPBank...

Notably, for a 6-month term, Cake by VPBank is listing an official interest rate of 7.3%/year. At the same time, this bank applies an additional policy of 0.9%/year for customers depositing money from a 6-month term, implemented until the end of February 28, 2026. After adding up, the actual received interest rate fluctuates around 8-8.2%/year depending on the term and application conditions.

Not only for short terms, some banks also listed official savings interest rates exceeding 7%/year for longer terms such as OCB, Bac A Bank, PGBank, MBV and Cake by VPBank. This development shows that the deposit interest rate level is still maintained at a high level, especially for medium and long-term terms.

Special interest rate for 12-13 month term up to 9%

Interest rates in many banks are listed at high levels, up to 6.5-9%. However, to receive this interest rate, special conditions are required.

PVcomBank is applying a special interest rate of 9%/year for terms of 12–13 months when depositing money at the counter, with the condition of maintaining a minimum balance of 20,000 billion VND.

MSB still applies an interest rate of 8% for customers depositing savings for a term of 12 months, with deposits from 500 billion VND or more.

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.

For deposit accounts from 500 million VND at OCB, this bank lists interest rates of 6.7%/year for terms of 12-15 months; term of 18 months 6.9%/year; term of 21 months 7%/year; term of 24 months 7.1%/year; term of 36 months 7.3%/year.

Many banks list interest rates above 6.5%/year without conditions attached

In addition to special interest rate packages, many banks are also listing interest rates above 6.5%/year for long terms without requiring a minimum deposit amount.

Vikki Bank applies an interest rate of 6.5%/year for 6-month terms; 6.6%/year and 6.7%/year respectively for 12-month and 13-month terms. Cake by VPBank lists an interest rate of 7.3%/year for 6-month terms and 7.1%/year for terms from 7–36 months.

Bac A Bank lists interest rates of 6.5%/year for terms from 6–11 months; 6.5%/year for terms of 12 months; 6.6%/year for terms of 13–15 months and 6.7%/year for terms from 18–36 months.

OCB applies an interest rate of 6.5%/year for terms of 12 – 15 months; 18-month term 6.7%/year; 21-month term 6.8%/year; 24-month term 6.9%/year; 36-month term up to 7.1%/year.

VIB applies an interest rate of 6.5%/year for a 12-month term; PVcomBank applies an interest rate of 6.8%/year for terms from 15–36 months.

PGBank applies an interest rate of 7.1%/year for terms of 6-9 months; terms of 12-13 months are 7.2%/year; terms of 18-36 months are 6.8%/year.

MBV applies an interest rate of 6.5%/year for terms of 6-11 months; 7.2%/year for terms of 12-36 months.

BVBank applies interest rates of 6.6%/year for 12-month terms; 6.9%/year for 15-month terms; 7%/year and 7.1%/year for 18- and 24-month terms.

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?

Agribank bank interest rates, Sacombank interest rates, SCB interest rates, Vietcombank interest rates... highest for 24-month term