Savings interest rates in the market continue to be maintained at a high level at some banks, including preferential programs that bring profits above 8%/year, but most are accompanied by terms, deposit amounts or customer groups.
Cake by VPBank is listing 6-month term interest rates at a normal rate of 7.3%/year when customers receive interest at the end of the term. When customers receive interest at the beginning of the term, monthly and quarterly, they will receive interest rates of 6.04%, 6.19% and 6.24%/year respectively.
Currently, this bank is applying a preferential program to give an additional interest rate of 0.9%/year to individual customers who use term deposit products for the first time. The condition is that customers deposit for 6 months or more and do not pay in advance. Accordingly, for a 6-month term plus the given interest rate, depositing money at Cake by VPBank will receive a high interest rate of up to 8.2%/year. This program is applied by the bank until March 31, 2026.
SeABank announces a preferential interest rate program from February 23rd to April 8th, 2026. Customers depositing savings from 100 million VND with a term of 6 months or more can receive interest rates up to 8.3%/year.
BAC A BANK lists the highest interest rate for a 6-month term at 6.8%/year when customers deposit money online and receive interest at the end of the term. BAC A BANK lists the highest interest rate at 6.9% when customers deposit money for terms of 18, 24, 36 months or more.
Interest rates in many banks are listed at high levels, up to 6.5-9%. However, to receive this interest rate, special conditions are required.
MSB announces an interest rate of 9%/year, applicable to newly opened customers (or savings books opened from the beginning of 2018 automatically renewed with deposit terms of 12 months, 13 months) and deposits from 500 billion VND or more for a term of 13 months.
PVcomBank is applying a special interest rate of 9%/year for terms of 12–13 months when depositing money at the counter, with the condition of maintaining a minimum balance of 20,000 billion VND.
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.
For deposit accounts from 500 million VND at OCB, this bank lists interest rates of 6.7%/year for terms of 12-15 months; term of 18 months 6.9%/year; term of 21 months 7%/year; term of 24 months 7.1%/year; term of 36 months 7.3%/year.
