The savings interest rate market has recently become increasingly vibrant. In addition to adjusting the official listed interest rate schedule, many banks have launched additional programs and deposit interest rate incentives for customers, pushing deposit interest rates higher and higher.
At ABBank, the bank is applying a policy of adding 1.2%/year for customers who deposit online savings during the preferential period. Thanks to that, the deposit interest rate for a 6-month term has been raised to 7.7%/year. This interest rate level applies to deposits through digital channels, regardless of the size of the deposit, suitable for groups of customers depositing from tens to hundreds of millions of VND.
BVBank is deploying online deposit certificate products with the highest interest rate up to 7.8%/year. Customers can purchase deposit certificates through digital channels with a minimum amount of 10 million VND, applicable to terms of 6, 9, 12 and 15 months. Interest rates are 6.5%/year for terms of 6 and 9 months, 6.8%/year for terms of 12 months and highest 7.8%/year for terms of 15 months. The program is implemented from December 22, 2025 to the end of March 31, 2026 or ends early when reaching an issuance scale of 1,000 billion VND.
PVcomBank strongly participates in the interest rate race with an additional program of up to 1.5%/year for customers who deposit online on Fridays every week. The applicable conditions are online deposit, term from 12 months or more and minimum deposit amount from 100 million VND.
With this additional level, a deposit of 100 million VND enjoys an interest rate of 7.6%/year for a 12-month term and 7.8%/year for a 13-month term. If choosing terms from 15 to 36 months, the actual received interest rate is up to 8.3%/year, belonging to the highest group in the market for small deposits.
Cake by VPBank is listing an interest rate of 7.1%/year for terms from 6 to 36 months. This bank applies an additional preferential rate of up to 0.6%/year for first-time depositors, thereby bringing the highest interest rate to 7.7%/year for medium and long-term terms. The preferential rate applies to online deposits, targeting new individual customers.
Notably, NCB continues to maintain a policy of adding up to 2%/year for customers who deposit online through digital applications, with terms from 6 months or more and applied until the end of January 31, 2026. Accordingly, the deposit interest rate for terms of 6–8 months reaches 8.2%/year, terms of 9–11 months reaches 8.25%/year, and terms from 12 to 36 months reach 8.3%/year.
Besides the above group of banks, the market also recorded some banks applying special interest rates at 8–9%/year such as MSB, HDBank and Vikki Bank. However, these interest rates come with the condition that the minimum deposit amount is from a few billion to tens of billions of VND, not common for customers depositing about 100 million VND.
