According to a survey by Lao Dong Newspaper reporters on April 8, 2026, the group of state-owned commercial banks including Agribank, Vietcombank and BIDV continue to maintain stable interest rates. For the idle amount of 100 million VND, long terms from 12 to 36 months are the optimal choice for customers to receive the highest interest amount.
List of listed deposit interest rates for the main terms
Interest rates for individual customers depositing online savings of 3 listed banks are as follows:
Interest at the end of the term received when depositing 100 million VND
With the method of calculating interest at the end of the term (lump-sum payment when due), the actual interest received when depositing 100 million VND at banks is explained as follows:
Thus, if you choose to deposit 100 million VND at BIDV with a maximum term of 36 months, the total interest you receive when the term comes is up to 19.5 million VND. For a 24-month term, all 3 banks pay the same end-of-term interest of 13 million VND.
