Bank interest rates continue to increase sharply
HDBank has just adjusted the deposit interest rate for many terms, increasing by 0.15%/year for 1-5 month terms and 0.2%/year for terms under 6 months, applicable to both counter and online deposits. After adjustment, online interest rates are subject to interest at the end of 1-2 month terms to 4.2%/year; 3-5 month terms to 4.3%/year; 6-month terms to 5.5%/year.
GPBank also increased 0.1%/year for 1-5 month terms and 0.2%/year for 6-36 month terms. The latest online interest rate for interest rates at the end of the term increased to 3.9%/year for 1-2 month terms; 3-5 month terms increased to 4%/year; 6-8 month terms increased to 5.55%/year; 9-month terms reached 5.65%/year; 12-36 month terms increased to 5.85%/year.
At VPBank, this bank increased by 0.3%/year for 1-36-month terms. After adjustment, the 1-month term will increase to 4.3%/year; the 2-5 month term will increase to 4.4%/year; the 6-11 month term will increase to 5.3%/year; the 12-18 month term will reach 5.5%/year; the 24-36 month term will increase to 5.6%/year.
VPBank applies interest rates in three deposit levels: under 10 billion VND; from 10 billion VND to under 50 billion VND; and from 50 billion VND or more, with a margin of difference of 0.1%/year between each level. The highest interest rate currently recorded is 5.8%/year, applied to a term of 24-36 months with a balance of VND50 billion.
BVBank also sharply increased interest rates and gave a maximum of 1.2%/year to customers depositing savings from November 3 to 13, applicable to 1-month terms of 4.7%/year; 6-month terms of 6.5%/year; and 12-month terms of 6.8%/year. In November 2025, interest rates at the counter and online were adjusted up.
According to the online interest rate table for interest paid at the end of the term announced by BVBank, the 1-5 month term increased by 0.35%/year, corresponding to 4.3%/year (1 month), 4.4%/year (2 months) and 4.5%/year (3-5 months). The 6-7 month term increased by 0.15%/year to 5.3%/year; the 8-11 month term increased by 0.1%/year to 5.35%-5.5%/year.
BVBank's counter interest rates are higher for some terms than online deposits, ranging from 4.1% to 6.1%/year. Specifically, the 1-month term is at 4.1%/year; the 2-5 month term is 4.2%-4.3%/year; the 6-month term is 5.1%/year; the 9-month term is 5.25%/year. The highest interest rate is 6.1%/year applied to a 60-month term.
Thus, in the first week of November, 5 banks increased deposit interest rates, including VPBank, MB, HDBank, GPBank and BVBank.
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.
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%/year for a 6-month term, 6.2%/year for a 12-13 month term; Cake by VPBank applies an interest rate of 6%/year for a 12-18 month term and 24-36 months; 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%/year for a 12-month term; 6.1%/year for a 13-15-month term; 6.3%/year for a 18-36 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.
Interest rate information is for reference only and may change from time to time. Please contact the nearest bank transaction point or hotline for specific advice.
Readers can refer to more articles on interest rates HERE.
