The savings deposit market recorded new changes on August 11, 2025, in which An Binh Commercial Joint Stock Bank (ABBank) unexpectedly adjusted to reduce online deposit interest rates by 0.1%/year for all terms from 1 to 60 months. This is the first time ABBank has changed the interest rate table since mid-March 2025, after 5 months of staying unchanged.
According to the new table, the 1-month term interest rate is only 3.1%/year; the 2-month term decreased to 3.3%/year; the 3-5 month terms decreased to 3.8%/year. 6-month term applies 5.3%/year; 7-11 month and 13-15 month terms are at 5.4%/year. The 12-month term alone is still the highest rate in the online deposit group at ABBank at 5.6%/year. The 24 - 60-month terms are all listed at 5.3%/year.
At the transaction counter, ABBank did not adjust the interest rate table, but the current application rate is 0.1 percentage point lower than online deposits. Specifically, the 1-month term deposit is 3%/year; 2 months is 3.2%/year; 3 - 5 months is 3.7%/year; 6 months is 5.2%/year; 7 - 12 months and 13 - 18 months are all at 5.3%/year; 24 - 60 months are maintained at 5.2%/year.
Notably, ABBank still maintains the system's highest "special interest rate" of 9.65%/year for customers depositing for a 13-month term with a balance of VND 1,500 billion or more. If you deposit below this level, the interest rate will be only 5.3%/year.
In parallel with ABBank, the market recorded a number of banks launching new products to attract cash flow. VietABank has just added two new savings packages: Dac Loc Savings (highest interest rate 6.3%/year) and Dac Loi Savings (highest 6.4%/year). The bank's Dac Tai Savings product still holds a maximum interest rate of 6.8%/year for an 18-month term.
Eximbank also expanded the product "Combo Casa" for Infinite customers to deposit online, with the highest interest rate of 6%/year for terms of 18 - 36 months.
According to statistics on August 11, the "Big 4" group of state-owned banks (Agribank, BIDV, VietinBank, Vietcombank) continues to have the lowest online deposit interest rates in the market, ranging from 1.6 - 4.8%/year depending on the term. On the contrary, some small banks such as GPBank, Vikki Bank, MBV, VietBank... still maintain the ceiling of 5.9 - 6%/year for long terms.
