Bank interest rates today January 25: Continue to increase sharply

Interest rates at many banks increase sharply

BaoViet Bank's deposit interest rates have just been adjusted up for many terms. The 6-month term increased by 0.25%/year, up to 5.45%/year; the 7-8 month term increased by 0.2%/year, reaching 5.45%/year; the 9-11 month term increased by 0.1%/year, up to 5.5%/year.

BVBank also increased interest rates for a series of terms: 1-2 month terms increased slightly by 0.05%/year, reaching 3.9% and 4%/year respectively; 3-5 month terms increased by 0.15%/year, reaching 4.15% - 4.2% - 4.25%/year respectively; 7 month terms increased sharply by 0.3%/year to 5.5%/year; 10 month terms increased by 0.3%/year to 5.8%/year; 12-36 month terms increased by 0.05%/year, with the highest rate of 6.45%/year for 24-36 month terms.

Notably, ABBank continued to adjust its deposit interest rates in opposite directions. The bank increased by 0.2%/year for short terms of 3-5 months, to 4%/year, but decreased by 0.1%/year for terms of 6-12 months. After adjustment, the interest rate for 6-month terms decreased to 5.5%/year; for 8-11 months terms to 5.6%/year.

Bac A Bank reduced interest rates by 0.15%/year for deposits with terms of 1-11 months and by 0.1%/year for terms of 12-36 months. After adjustment, interest rates for deposits under VND1 billion range from 3.75%/year (1-2 month term) to 6.1%/year (18-36 month term). For accounts over VND1 billion, interest rates are 0.2%/year higher, with the highest rate being 6.2%/year for terms of 18-36 months.

Since the beginning of January 2025, 13 banks have adjusted their deposit interest rates. Of which, 11 banks have increased interest rates such as Agribank, Bac A Bank, NCB, MBV, ABBank, Eximbank, VietBank, KienLong Bank, Cake by VPBank, BaoViet Bank and BVBank.

Several other banks, including NCB, Agribank, ABBank, SeABank, Nam A Bank, Techcombank and Bac A Bank, have adjusted interest rates down for some terms.

Special interest rate highest 7-9.5%

Interest rates are listed at high levels by many banks, from 7% to 9%, but to enjoy this interest rate, customers must meet special conditions.

PVcomBank leads with a special interest rate of 9%/year for a 12-13 month term when depositing money at the counter. The condition is that customers must maintain a minimum balance of VND2,000 billion.

HDBank applies an interest rate of 8.1%/year for a 13-month term and 7.7%/year for a 12-month term, with the condition of maintaining a minimum balance of VND500 billion. In addition, an interest rate of 6% is applied for an 18-month term.

MSB listed interest rates of 8%/year for 13-month terms and 7%/year for 12-month terms. The condition is a minimum deposit of VND500 billion from newly opened or automatically renewed savings accounts from January 1, 2018.

Dong A Bank applies an interest rate of 7.5%/year for deposits with a term of 13 months or more, with a minimum amount of VND 200 billion. A 24-month term applies an interest rate of 6.1%/year.

Bac A Bank has the highest interest rate of 6.2%/year for terms of 18-36 months, with deposits of over 1 billion VND.

Banks race to raise interest rates beyond 6%

Currently, interest rates above 6%/year are being listed by many banks for long-term deposits but do not require a minimum deposit amount.

Eximbank applies an interest rate of 6.5-6.8%/year for long terms from 15-34 months; BVBank applies an interest rate of 6.05% for 12-month terms, 6.25% for 15-month terms, 6.35% for 18-month terms and 6.45% for 24-36-month terms;

IVB applies the highest interest rate of 6.45%/year for 5-15 year term, 6.25%/year for 48 month term, 6.15%/year for 36 month term and 6.05/year for 12 month term; KienLong Bank applies the interest rate of 6.1% for 12-24 month term, 6.3% for 36 month term and 6.4% for 60 month term;

GPBank applies an interest rate of 6.05%/year for a 12-month term and 6.15%/year for terms from 13-36 months. Cake by VPBank applies an interest rate of 6%/year for a 12-18-month term and 6.3%/year for a 24-36-month term; OceanBank applies an interest rate of 6.1%/year for a 24-month term; KienlongBank applies an interest rate of 6.1%/year for a 36-month term.

VRB and Dong A Bank apply an interest rate of 6% for a 24-month term; VietABank applies an interest rate of 6% for a 36-month term; SaigonBank applies an interest rate of 6% for a 13, 18 and 24-month term, and 6.1% for a 36-month term; HDBank applies an interest rate of 6% for a 15-month term and 6.1% for a 18-month term; BAOVIET Bank applies an interest rate of 6% for a 15, 18, 24 and 36-month term; ABBank applies an interest rate of 6% for a 12-month term; CB applies an interest rate of 6% for terms of 12 months or more.

Statistics of banks with the highest savings interest rates today:

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