Highest special interest rate 7-9%/year
Interest rates in many banks are listed at high levels, up to 7-9%. However, to receive this interest rate, special conditions are required.
Cake by VPBank applies an interest rate of 7.7-7.9%/year for terms from 6 to 36 months. In March, the bank also announced a policy of adding interest rates up to 1.1%/year, pushing the highest actual interest rate to over 9%/year.
MSB announces an interest rate of 9%/year, applicable to newly opened customers (or savings books opened from the beginning of 2018 automatically renewed with deposit terms of 12 months, 13 months) and deposits from 500 billion VND or more for a term of 13 months.
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.
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.
SeABank has just announced a preferential interest rate program from February 23rd to April 8th, 2026. Accordingly, customers depositing savings from 50 million VND with a term of 6 months or more can receive interest rates up to 8.3%/year.
For deposit accounts from 500 million VND at OCB, this bank lists an interest rate of 7%/year for a 21-month term; 24-month term 7.1%/year; 36-month term 7.3%/year.
Interest rate above 7%/year without conditions attached
In addition to special interest rate packages, many banks are also listing interest rates above 7%/year for long terms without requiring a minimum deposit amount.
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; MB applies an interest rate of 6.6% for terms of 24 months; SHB applies an interest rate of 6.6% for terms from 15-24 months.
BVBank applies an interest rate of 6.8%/year for a 12-month term; 7%/year for a 15-month term, 7.2%/year for a 18-24 month term.
MB applies an interest rate of 6.55%/year for a term of 12-18 months; 7.5%/year for a term of 24-60 months.
Cake by VPBank applies an interest rate of 7.7-7.9%/year for terms from 6 to 36 months.
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.