Bank interest rates today 3.12: Sharp increase, close to 7%

Deposit interest rates continue to increase sharply

Nam A Bank has just announced the issuance of a deposit certificate for the 5th period, lasting until February 28, 2026. Nam A Bank aims to raise VND 2,000 billion for a 6-month and 9-month term, with a face value of VND 10 million/certificate.

The issuance interest rate is 6.8%/year for a 6-month term and 6.9%/year for a 9-month term. This is the deposit interest rate at the end of the deposit certificate.

Compared to the interest rate for mobilizing deposit certificates in the 4th round, mobilization period from November 4, 2025 to February 4, 2026, the interest rate for the 5th round has increased by 0.3%/year.

Thus, Nam A Bank is the second bank to increase deposit interest rates this month. Previously, MB had "opened a store" to sharply increase deposit interest rates in December.

Previously, in November, 22 banks increased deposit interest rates, including: VPBank, MB, HDBank, GPBank, BVBank, Sacombank, BaoViet Bank, PVCombank, LPBank, Cake by VPBank, MBV, Bac A Bank, Vikki Bank, Nam A Bank, NCB, VIB, TPBank, OCB, Techcombank, VCBNeo, VPBank and VietinBank.

Of which, Techcombank, VPBank, LPBank, BaoViet Bank and Cake by VPBank are the banks that have increased interest rates twice in the month.

At the same time, a series of banks have pushed the deposit interest rate for terms under 6 months to 4.75%, the highest level according to the regulations of the State Bank. Including: Techcombank, MBV, Nam A Bank, VIB, OCB, Bac A Bank, Cake by VPBank and VPBank.

Highest special interest rate 6.5-9%

The highest deposit interest rate at banks ranges from 6-9%/year. However, to enjoy this interest rate, customers must meet special conditions.

PVcomBank applies a special interest rate of 9%/year for a term of 12-13 months when depositing money at the counter. The applicable condition is that customers must maintain a minimum balance of VND 2,000 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.

Vikki Bank applies an interest rate of 7.5%/year for term deposits of 13 months or more, with a minimum amount of 999 billion VND; Bac A Bank is applying the highest interest rate of 6.5%/year for terms from 18 to 36 months, 6.3%/year with terms of 1315 months and 6.1%/year, term of 6-8 months at 6%/year, term of 9-11 months is 6.05%/year, term of 12 months is 6.2%/year.

IVB applies an interest rate of 6.15%/year for a term of 36 months, conditions applied to deposits of VND 1,500 billion or more; ACB applies an interest rate of 6%/year for a term of 13 months receiving interest at the end of the term when customers have a deposit balance of VND 200 billion or more.

At LPBank, for deposits of VND300 billion or more, the mobilization interest rate applied to customers receiving interest at the end of the term is 6.5%/year, receiving monthly interest of 6.3%/year and receiving interest at the beginning of the term is 6.07%/year.

Viet A Bank applies an interest rate of over 6%/year for Dac Tai Savings products. Of which, the 6-month term interest rate is 6.0%/year; 7 months is 6.1%/year; 12 months is 6.5%/year; 13 months is 6.6%/year; 15 months is 6.7%/year and 18 months reach the highest level of 6.8%/year. To participate, customers need to deposit at least 100 million VND and make transactions at the counter, with the form of receiving interest at the end of the term.

For deposits over 1 billion VND at Bac A Bank, the bank applies an interest rate of 6.4%/year for 6-8 month terms; 6.45%/year for 9-11 month terms; 6.5%/year for 12-month terms; 6.6%/year for 13-15 month terms; 6.7%/year for 18-36 month terms.

Nam A Bank applies an interest rate of 6.5%/year and 6.3%/year for a term of 24 months and 36 months, receiving interest at the end of the term. Conditions apply to deposits of VND500 billion or more.

Banks with interest rates from 6% do not apply special conditions

Currently, interest rates above 6%/year are being listed by some banks for long-term deposits, without a minimum deposit requirement.

Vikki Bank applies an interest rate of 6.1%/year for a 6-month term, 6.3%/year for a 12-month term and 6.4%/year for a 13-month term; Cake by VPBank applies an interest rate of 6.3%/year for a 6-8 month term, 6.4%/year for a 9-11 month term, 6.5%/year for a 12-36 month term;

HDBank applies an interest rate of 6%/year for a 15-month term and 6.1%/year for a 18-month term; BVBank also pays 6.1%/year for a 60-month term and 6.0%/year for a 48-month term. Viet A Bank maintains a rate of only 6.0%/year for a 36-month term.

Bac A Bank applies an interest rate of 6.3%/year for a 12-month term; 6.4%/year for a 13-15-month term; 6.5%/year for a 18-36 month term; VCBNeo lists an interest rate of 6.2%/year for a 6-month term; 6.2%/year for a 12-60 month term; PVcomBank applies an interest rate of 6.3% for a 15-36 month term.

Statistics of banks with the highest savings interest rates today:

Compare the highest bank interest rates for 3-month terms

Interest rates for savings deposits at banks for 6-month terms

For 12-month savings, which bank has the highest interest rate?

Agribank interest rates, Sacombank interest rates, SCB interest rates, Vietcombank interest rates... are the highest for a 24-month term.