Special interest rate at the counter: Reaching 8.1%/year
Based on the deposit interest rate schedule applied by HDBank from November 6, 2025, this bank continues to maintain the "special interest rate" policy for direct transactions at the counter with extremely impressive figures:
13-month term: Enjoy peak interest rate of 8.10%/year (highest in the system).
12-month term: Applying interest rate of 7.70%/year.
These preferential interest rates come with strict conditions: Applicable to deposits from 500 billion VND or more and interest is paid at the end of the term.
Advantages of online savings deposits for individual customers
For the majority of individual customers with moderate capital, online deposits not only bring convenience but also have a very competitive interest rate range.
Short term (1-5 months): Fluctuates from 4.20% to 4.30%/year.
Medium term (6-12 months): Accelerate to 5.50% (6 months) and 5.80% (12 months).
Long term: The highest interest rate on the Online channel belongs to the 18-month term with 6.10%/year.
Profit problem: Deposit 200 million, how much interest will you receive?
To help you easily visualize the actual amount of money received when sending 200 million VND to the Online channel, below is a profit calculation table by time milestone:
Deposit for 12 months: With an interest rate of 5.80%, you will receive 11.6 million VND in interest.
Deposit for 18 months: With a preferential interest rate of 6.10%, total interest increases to 18.3 million VND.
Long-term deposits (36 months) are the most profit-optimizing option, bringing a total accumulated interest of up to 33 million VND.
The above parameters are only for estimation at the time of reporting. To have the most accurate figures for each region, you should contact the bank's branches or transaction offices directly.
