Savings interest rates suddenly decrease
VCBNeo has just unexpectedly reduced interest rates for all deposit terms. According to the online deposit interest rate schedule just updated by VCBNeo, bank interest rates for terms of 1-5 months have decreased from the ceiling level of 4.75%/year to 4.45%/year, equivalent to a decrease of 0.3%/year; the term of 6-60 months also decreased by 0.2%/year, to 7%/year.
Thus, amidst the wave of interest rate hikes, VCBNeo is the first bank to adjust down deposit interest rates this month. Conversely, 6 banks have increased deposit interest rates, including: Viet A Bank, Nam A Bank, BaoViet Bank, ACB, Techcombank, VIB.
Highest special interest rate 9-10%/year
The market recorded many special interest rate packages at high levels, ranging from 7-10%/year.
PVcomBank is applying a special interest rate of 10%/year for a term of 12-13 months when depositing money at the counter, with the condition of maintaining a minimum balance of 20,000 billion VND. The new interest rate has increased by 1%/year, previously, the bank listed 9%/year for the same term and deposit conditions.
Cake by VPBank is applying an interest rate of 7.7-7.9%/year for terms from 6 to 36 months. In March, this bank also implemented a policy of adding interest rates up to 1.1%/year, thereby pushing the highest actual interest rate to over 9%/year.
MSB announces an interest rate of 9%/year for newly opened customers, or savings books opened from the beginning of 2018 automatically renewed, with terms of 12 months, 13 months and deposits from 500 billion VND or more for a term of 13 months.
HDBank applies an interest rate of 8.1%/year for a 13-month term and 7.7%/year for a 12-month term, with a minimum balance of 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 999 billion VND.
SeABank has also just announced a preferential interest rate program from February 23rd to April 8th, 2026. Accordingly, customers depositing savings from 50 million VND with a term of 6 months or more can receive interest rates up to 8.3%/year.
OCB listed interest rates of 7.1%/year for terms of 12-13 months, 18.3%/year for terms of 18 months, 7.4%/year for terms of 21 months, 7.5%/year for terms of 24 months, and 7.7%/year for terms of 36 months.
At Sacombank, for deposits from 500 million VND to under 2 billion VND, the interest rate for a term of 6-18 months is 7%/year, and the term of 24-36 months is 7.4%/year. For deposits from 2 billion VND, the highest interest rate is up to 7.6%/year for a term of 24-36 months.
VPBank applies an interest rate of 7.1%/year for deposits from 50 billion VND or more.
Interest rate above 7%/year without conditions attached
In addition to special interest rate packages, many banks are also listing interest rates above 7%/year for long terms without requiring a large minimum deposit amount.
PGBank applies an interest rate of 7.1%/year for terms of 6-9 months, 7.2%/year for terms of 12-13 months; MBV lists an interest rate of 7.2%/year for terms of 6-9 months and 7.5%/year for terms of 12-36 months.
BVBank applies an interest rate of 7.1%/year for a 15-month term, 7.2%/year for a 18-24 month term.
Cake by VPBank currently applies an interest rate of 7.7-7.9%/year for terms from 6 to 36 months. OCB lists interest rates of 7%/year for terms of 12-13 months, 18.2%/year for terms of 18 months, 7.3%/year for terms of 21 months, 7.4%/year for terms of 24 months, and 7.6%/year for terms of 36 months.
Meanwhile, Bac A Bank lists an interest rate of 7.05%/year for terms of 6-11 months and 7.1%/year for terms of 12-36 months. Sacombank lists an interest rate of 7.2%/year for terms of 24-36 months.
Techcombank lists interest rates of 7.2%/year for terms from 6-11 months; 7.4%/year for 12-month terms. MB lists at 7.5%/year for terms from 24 to 60 months; VIB lists interest rates of 7%/year for 12-month terms; VCBNeo lists interest rates of 7%/year for terms of 6-36 months.
Statistics of banks with the highest savings deposit interest rates today:
Comparing the highest bank interest rates for a 3-month term
Interest rates for 6-month term savings deposits at banks
12-month savings deposit, which bank's interest rate is the highest?
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.
