Another big player enters the interest rate race
Techcombank has just sharply increased deposit interest rates for 6-month and 12-month terms. Currently, the online deposit interest rate for 6-month term listed at this bank is 6%/year and the 12-month term is up to 6.1%/year.
Notably, Techcombank announced deposits in December 2025 with terms of 3, 6 and 12 months. If deposited for the first time or increased from 20 million VND, the interest rate will be added up to 1%/year compared to the listed interest rate.
Cake by VPBank has also recently sharply increased interest rates for terms from 6-36 months, simultaneously to 6.7%/year - the highest level on the market today. The bank also applies a preferential policy, plus up to 0.6%/year interest rate for customers making first-time deposits. Thus, the highest interest rate that customers can receive at Cake by VPBank is up to 7.3%/year for terms from 6-36 months.
In the Big4 group, VietinBank is the latest bank to increase deposit interest rates, an increase of 0.4-0.6%/year for 1-11 month terms.
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 6.7%/year for terms from 6-36 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 an interest rate of 6% for a 24-month term for online interest rates, 6% for a 49-month term and 6.1% for a 60-month term for counter deposit interest rates; Viet A Bank maintains the 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 listed 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; Techcombank applies an interest rate of 6%/year for a 6-11 month term, 6.1% for a 12-36 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.
