In the group of banks applying interest rates from 8.5%/year or more, PVcomBank is currently leading with a rate of 10%/year for 12-13 month term deposits, receiving interest at the end of the term. This interest rate applies to customers depositing money at the counter, with a newly opened deposit balance of 2,000 billion VND or more.
MSB applies an interest rate of 9%/year for 12- or 13-month term deposits, for newly opened savings books or savings books opened from January 1, 2018 and automatically renewed. The applicable condition is that the deposit amount is from 500 billion VND or more.
At Cake by VPBank, listed deposit interest rates for many terms range from 7.2-7.4%/year. From June 1-30, 2026, the bank implements an additional 1.5%/year program for individual customers who deposit savings for the first time from 100,000 VND or more, applicable to deposits with terms of 6 months or more and not applicable to customers who have opened savings books at Cake. Thanks to that, the highest actual interest rate can reach 8.9%/year.
In addition, some banks list special interest rates at high levels. Vikki Bank applies a rate of 7.9%/year for deposits from 999 billion VND or more, term of 13 months, interest paid at the end of the term. This interest rate is calculated as the interest rate for 13-month term deposits plus a margin of 1.8%/year and does not apply simultaneously to other promotional programs.
HDBank applies a special interest rate of 7.2%/year for a 12-month term and 7.6%/year for a 13-month term for customers depositing savings from 500 billion VND or more, receiving interest at the end of the term. The policy only applies to savings cards with a minimum balance of 500 billion VND and does not apply to the form of early interest payment or periodic interest payment.
Saigonbank is listing online savings interest rates for a 13-month term at 7.9%/year. This is the highest interest rate in this bank's listed interest rate table and belongs to the highest group in the market today.
Vietnam Modern One Member Limited Liability Bank (MBV) applies an online deposit interest rate of 7%/year for terms from 6-36 months.
At Sacombank, the online savings interest rate for 12-month terms is currently at 7%/year, while terms from 24-60 months are listed at 7.1%/year.
Statistics of banks with the highest savings interest rates today

Comparing the highest 3-month term bank interest rates

The highest 6-month term bank savings interest rate today

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

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.