The savings interest rate market is increasingly vibrant as banks continuously adjust interest rates upwards, focusing on online savings channels and preferential interest rate addition programs. With this new level, depositors only need 100 million VND to access the high interest rate group on the market.
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.
Meanwhile, BVBank is deploying online deposit certificate products with the highest interest rate of 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. The corresponding interest rate is 6.5%/year for terms of 6 and 9 months, 6.8%/year for terms of 12 months and a maximum of 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 also 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 condition is 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 can enjoy 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, among the highest in the market today for non-large deposits.
Cake by VPBank is listing an interest rate of 7.1%/year for terms from 6 to 36 months. This bank applies additional incentives 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. Incentives apply 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 for customers with very large deposit balances such as MSB, HDBank and Vikki Bank. However, these interest rates often come with conditions on a minimum deposit amount from several billion to tens of billions of VND, not common for customers depositing about 100 million VND.
