Lao Dong's records show that the capital mobilization race is heating up as many banks offer high interest rates to attract capital. In particular, online bank savings deposit interest rates are often higher by 0.1% - 0.5%/year compared to deposits at counters.
Banks also regularly have preferential programs plus interest rates for customers depositing online savings.
Recorded at Cake by VPBank, in September 2026, Cake by VPBank has a competitive interest rate and attractive promotions such as giving an additional 2% when customers deposit for the first time from 100,000 VND for a term of 6 months. Applied from September 1, 2026 to the end of September 30, 2026.
Thus, with an interest rate of 7.4% for terms from 10-24 months, if customers deposit for the first time, they will receive an interest rate of up to 9.4% after enjoying the policy of adding 2%.
In addition, this bank also has a policy for customers to extend their deposits, with an additional interest rate of up to 2%/year. This policy applies to customers with deposits from 5 million VND or more and an expiration date from September 1, 2026 - September 30, 2026 in the form of receiving both principal and interest.
The bank also offers additional interest rates of up to 2%/year for savings deposits from 5 million VND with terms from 6 months. Applied from September 1, 2026 to the end of September 30, 2026.
After enjoying additional interest policies, for terms of 6 months or more, customers enjoy interest rates up to 9.2 to 9.4%/year when depositing money at Cake by VPBank.
At Vikki Bank, the interest rate is already at 9.2%/year for traditional savings deposits with amounts from 200 million VND, 6-month term deposits.
At PVcomBank, the interest rate is up to 10%/year for a term of 12–13 months, receiving interest at the end of the term, but requiring a deposit balance at the counter of 2,000 billion VND or more.
In addition, to attract deposits, banks also offer rewards in gold and villas.
From August to the end of September 25, 2026, National Citizen Commercial Joint Stock Bank (NCB) is implementing a lucky draw promotion exclusively for customers participating in the "Super Privilege Savings - NCB Signature Savings" product, with a total prize value of up to 65 billion VND.
NCB offers a weekly premium 3-bedroom apartment prize at the Blanca City project (HCMC) or Charmora City (Khanh Hoa), worth up to 10 billion VND each.
In particular, customers will have the opportunity to participate in the lucky draw to win the Special Prize of a high-class villa at the Charmora City project developed by Sun Group worth 25 billion VND, when the total value of savings books meeting customer conditions in the month reaches the milestone of 5 billion VND or more.
HDBank offers a prize of 16 SJC gold taels in the special draw with the condition that you only need to deposit savings from 50 million VND, with a minimum term of one month and meet the conditions according to regulations to be granted a lucky draw code.
Towards the end of the year, interest rates tend to "heat up" due to pressure from capital demand and liquidity of the economy. At the end of the year, the demand for credit capital increases sharply due to businesses promoting production, business, imports and capital turnover to serve the biggest consumer season of the year (holidays, Tet).
In addition, banks increase deposit interest rates to attract deposit flows from residents to ensure capital safety ratios and liquidity for the period of transition from the old year to the new year.
