Comparing deposit interest rates for key terms
According to the reporter of Lao Dong Newspaper on April 2, 2026, the savings deposit interest rate schedule of Agribank, Vietcombank, and BIDV is being fiercely pursued.
For short terms under 6 months, Agribank is currently applying quite competitive interest rates of 2.6% (2-month term) and 4.0% (6-month term). Meanwhile, Vietcombank and BIDV both maintain slightly lower interest rates, reaching 2.1% for a 2-month term and 3.5% for a 6-month term.
Moving to long-term terms such as 12 months, all 3 banks simultaneously pushed interest rates up to 5.9%/year. In particular, the highest interest rate currently is 6.5%/year applied to the 24-month term. This is considered an attractive interest rate for customers who want to preserve capital flows and generate stable profits in the long term.
Below is the savings interest rate table of Agribank, BIDV, Vietcombank:
The amount of interest received when depositing 500 million VND
To specifically calculate the interest received for the amount of 500 million VND, customers need to base it on the actual deposit term. Below is a table explaining the actual interest received when closing savings books at 3 banks:
(Note: Interest at the 24-month term is calculated for the total of 2 years of savings).
Based on the above data, if you deposit 500 million VND for 2 years at any bank in the Big4 group, the total interest received will be 65 million VND. However, if you only plan to deposit for a short term of about 6 months, choosing Agribank will bring you an additional 1.25 million VND in interest compared to other banks.
Notably, Agribank is currently having a preferential program, if customers participate in special preferential programs such as "Golden Birthday", the actual interest rate can be added up to 2.0%/year.
