Bank interest rates today, January 3: Sharp increase, 6 banks have interest rates exceeding 7.5%

Series of banks push deposit interest rates higher

The race to attract deposits continues to heat up as many banks push savings interest rates beyond the 7.5%/year mark, even up to 8–9%/year for large deposits or online deposits, creating the highest interest rate level in many months.

In the group of joint-stock commercial banks, NCB is currently the unit listing the highest interest rate in the market. This bank applies a policy of adding up to 2%/year for customers depositing online savings through digital applications, with terms from 6 months or more and applicable until the end of January 31, 2026. Thanks to that, deposit interest rates for terms of 6-8 months reach 8.2%/year; terms of 9-11 months reach 8.25%/year; and terms of 12-36 months reach 8.3%/year.

Cake by VPBank also promotes incentives when adding interest rates for online deposits. Accordingly, for a 6-month term, the interest rate is added from 0.2–1%/year depending on the size of the deposit, bringing the actual interest rate to 7.3–8.1%/year.

At PVcomBank, customers depositing online savings on Fridays every week are added up to 1.5%/year. With the condition of depositing a minimum of 100 million VND and a term of 12 months or more, the actual interest rate can reach 7.6%/year for a 12-month term, 7.8%/year for a 13-month term and up to 8.3%/year for a term of 15–36 months.

Meanwhile, BVBank is deploying online deposit certificate products with the highest interest rate of 7.8%/year. Specifically, customers depositing from 10 million VND or more are entitled to an interest rate of 6.5%/year for terms of 6–9 months; 6.8%/year for terms of 12 months and 7.8%/year for terms of 15 months.

Some other banks also list interest rates above 7%/year. Cake by VPBank and PGBank both apply a rate of 7.1%/year for 6-month terms. OCB applies an interest rate of 6.7%/year for terms of 12-15 months, 7%/year for terms of 21 months and 7.1%/year for terms of 24 months for deposits from 500 million VND or more.

Highest special interest rate of 9%/year

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 from 13 months or more, with a minimum deposit amount of VND 999 billion.

For deposits 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

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 7.1%/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 terms of 12-15 months; term of 18 months 6.7%/year; term of 21 months 6.8%/year; term of 24 months 6.9%/year; term of 36 months up to 7.1%/year.

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 7.1%/year for terms of 6-9 months; term of 12-13 months is 7.2%/year; term of 18-36 months up to 7.3%/year.

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