Savings interest rates continue to increase sharply as a series of banks implement additional interest rate programs for depositors.
ABBank is applying a policy of adding 1.2%/year during the preferential period for customers depositing online savings. As a result, the deposit interest rate for 6-month terms is raised to 7.7%/year. This interest rate is applied to deposits through digital channels, regardless of the size of the deposit, suitable for groups of customers depositing from several hundred million VND.
BVBank deploys online deposit certificate products with the highest interest rate of up to 7.8%/year. Customers can buy deposit certificates through digital channels with a minimum amount of 10 million VND, applicable to 4 terms including 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 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 also participates in the race with an additional interest rate of up to 1.5%/year for customers who deposit online savings on Fridays every week. The application conditions are online deposits, terms from 12 months or more and a minimum deposit amount of 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 a term from 15 to 36 months, the actual interest rate is up to 8.3%/year, which is among the highest on the market today for non-large deposits.
Cake by VPBank lists an interest rate of 7.1%/year for terms from 6 to 36 months. This digital bank applies additional incentives 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 interest rate applies to online deposits, suitable for the group of individual customers who first transact at Cake by VPBank.
NCB continues to maintain a policy of adding up to 2%/year for customers depositing online savings through digital applications, with terms from 6 months or more and applicable until the end of January 31, 2026. Thanks to that, deposit interest rates for terms of 6-8 months reach 8.2%/year, terms of 9-11 months reach 8.25%/year, and terms of 12-36 months reach 8.3%/year.
Besides the above-mentioned banking group, some other banks are applying special interest rates for customers with large deposit balances, with interest rates of 8-9%/year such as PVCombank, MSB, HDBank and Vikki Bank. However, these interest rates often come with conditions on the minimum deposit amount at a very high level, from several billion to tens of billions of VND, not common for the group of customers depositing 200 million VND.
