Bank interest rates increase in many forms
BVBank has just announced the deployment of online deposit certificate products with the highest interest rate of up to 7.8%/year.
Accordingly, customers can buy deposit certificates through digital channels with a minimum amount of 10 million VND, applicable to 4 terms including 6, 9, 12 and 15 months. The corresponding interest rates are 6.5%/year for terms of 6 and 9 months; 6.8%/year for terms of 12 months; and highest 7.8%/year for terms of 15 months.
The program is implemented by BVBank from December 22, 2025 to the end of March 31, 2026 or ends early when reaching an issuance scale of 1,000 billion VND.
Previously, this bank also launched a preferential policy, plus an interest rate of up to 0.5%/year for customers depositing ordinary savings in the period from December 17, 2025 to January 17, 2026.
Recently, banks have massively increased interest rates in many forms such as adding interest rates, launching high-interest deposit certificate products, increasing deposit interest rates on official listings...
Since the beginning of December, 26 banks have increased deposit interest rates, including: Techcombank, MB, NCB, BVBank, Saigonbank, ACB, Bac A Bank, OCB, KienlongBank, Sacombank, SHB, PGBank, VIB, Vikki Bank, VCBNeo, BIDV, VPBank, PVCombank, ABBank, LPBank, BaoViet Bank, Agribank, Vietcombank, VietinBank, SeABank and Cake by VPBank.
In which, NCB, Techcombank, OCB, MB, ACB, Saigonbank, Sacombank, PGBank, VietinBank have had two interest rate adjustments. VPBank alone has increased interest rates for the third time in the month.
The highest special interest rate is 6.5–9%/year
The highest deposit interest rate at banks currently fluctuates in the range of 6.5–9%/year, but to enjoy this interest rate, customers must meet special conditions on deposit size.
PVcomBank applies 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 2,000 billion VND.
HDBank applies an interest rate of 8.1%/year for the 13-month term and 7.7%/year for the 12-month term, with the condition that the minimum balance is 500 billion VND.
Vikki Bank applies an interest rate of 8.4%/year for deposits with terms of 13 months or more, with a minimum deposit amount of 999 billion VND; OCB lists an interest rate of 7.1%/year for deposits over 500 million VND, term of 36 months.
Viet A Bank applies an interest rate of over 6%/year for Dak Tai Savings product, with an interest rate ranging from 6.0%/year for a 6-month term to 6.8%/year for an 18-month term. The application condition is a minimum deposit amount of 100 million VND, transactions at the counter and interest payment at the end of the term.
For deposits of over 1 billion VND at Bac A Bank, the interest rate is increased to 6.4%/year for terms of 6-8 months; 6.45%/year for terms of 9-11 months; 6.5%/year for terms of 12 months; 6.6%/year for terms of 13-15 months and 6.7%/year for terms of 18-36 months.
Nam A Bank applies an interest rate of 6.5%/year for a 24-month term and 6.3%/year for a 36-month term, with the condition that the deposit amount is from 500 billion VND or more.
Many banks list interest rates above 6.5%/year without conditions
In addition to special interest rate packages, many banks are currently 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 maintains an interest rate of 6.7%/year for terms from 6–36 months.
Bac A Bank lists an interest rate 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 18-month terms, 6.6%/year for 21-month terms, 6.7%/year for 24-month terms, 6.9%/year for 36-month terms;
VIB applies an interest rate of 6.5%/year for 12-month terms; PVcomBank applies an interest rate of 6.8%/year for terms from 15–36 months.
PGBank applies an interest rate of over 6.8%/year for terms of 6-9 months; terms of 12-13 months up to 6.9%/year; terms of 18-36 months up to 7%/year - the highest official listing level on the market today.
Statistics of banks with the highest savings deposit interest rates today:
Comparison of the highest bank interest rate for a 3-month term
Savings deposit interest rates at banks for a 6-month term
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 the 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.
