A survey of interest rate tables of more than 30 banks shows that the general deposit interest rate level in the market fluctuates around 5-6.5%/year, some banks still maintain special interest rate programs for customers with very large deposits.
In the group of banks listing the highest interest rates in the market, PVcomBank leads with an interest rate of 10%/year for 12-13 month term deposits, receiving interest at the end of the term. However, this interest rate is only applied to customers depositing at the counter with amounts from 2,000 billion VND or more.
Under normal conditions, the interest rate for a 12-month term, receiving interest at the end of the term at PVcomBank is 5.3%/year.
Next is MSB with an interest rate of 9%/year for 12- or 13-month term deposits. The applicable condition is a newly opened or automatically renewed savings book from January 1, 2018, and a minimum balance of 500 billion VND.
At Nam A Bank, customers depositing from 500 billion VND or more for a 24-month term and approved by the General Director can enjoy interest rates of up to 8.3%/year - belonging to the group of highest deposit interest rates currently. For deposits of the same value for a 36-month term, receiving interest at the end of the term, the interest rate applied is 8.1%/year after the General Director's approval.
Under normal conditions, the interest rate for a 12-month term, receiving interest at the end of the term at this bank is 6.2%/year.
Cake lists the highest interest rate of 7.4%/year; in the period July 10 - July 31, 2026, customers who meet the condition of "first book" are given an additional 1.8%/year for a term of 6-12 months, minimum deposit value from 100,000 VND and no pre-term settlement. Accordingly, the 12-month term can be up to 9.2%/year.
The bank notes that it does not apply to customers who have opened savings books at CAKE by VPBank Digital Bank through any other application other than the CAKE BANK application.
Vikki Bank also listed high interest rates, reaching 7.9%/year for deposits from 999 billion VND or more, term of 13 months, interest paid at the end of the term. This interest rate is calculated by the listed interest rate plus a margin of 1.8 percentage points and does not apply simultaneously to other promotional programs.
Similarly, HDBank applies a special interest rate of 7.2%/year for a 12-month term and 7.6%/year for a 13-month term for customers depositing from 500 billion VND or more, receiving interest at the end of the term.
Comparing the highest 3-month term bank interest rates
The highest 6-month term bank savings interest rate today
For 12-month savings, which bank has the highest interest rate?
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.
