Interest rates of Agribank, VietinBank, Vietcombank and BIDV on January 23

Latest interest rates of Agribank, VietinBank, Vietcombank and BIDV

According to Lao Dong reporter's records with 4 banks Vietcombank, Agribank, VietinBank and BIDV on January 23, 2025, the mobilization interest rate table is being listed around the threshold of 1.9-4.8%/year.

Of these, Agribank and VietinBank have the highest interest rates (4.8% for terms over 24 months). BIDV's interest rates currently range from 2-4.7%/year, while Vietcombank's interest rates range from 1.9-4.7%/year.

Below are the latest Big 4 interest rate details:

Below is a detailed update of interest rates of banks in the Big 4 group:

How much interest do you get if you save 200 million VND at Big 4?

To calculate interest on savings deposits at the bank, you can apply the formula:

For example, if you deposit 200 million VND for a 24-month term at Bank A with an interest rate of 4.7%/year, you can receive: 200 million VND x 4.7%/12 x 24 = 18.8 million VND.

With the same amount and term above, if you save at Bank B with an interest rate of 4.8%, the interest you receive will be: 200 million VND x 4.8%/12 x 24 = 19.2 million VND.

In addition, readers can refer to interest rates of some other banks through the following table.

Many banks list interest rates at high levels, up to 7-9%. However, to receive this interest rate, special conditions must be met.

PVcomBank is currently leading in special interest rates when customers deposit money at the counter, with 9% for a term of 12-13 months. However, the condition to receive this interest rate is that customers must have a minimum deposit balance of VND 2,000 billion.

Next is HDBank with a particularly high interest rate, up to 8.1%/year for a 13-month term and 7.7% for a 12-month term, with a minimum balance of VND500 billion. This bank also applies a 6% interest rate for an 18-month term.

MSB applies interest rates for deposits at the counter up to 8%/year for a 13-month term and 7% for a 12-month term. The applicable conditions are that the savings book is newly opened or the savings book is opened from January 1, 2018, automatically renewed with a term of 12 months, 13 months and the deposit amount is from 500 billion VND.

Dong A Bank has a deposit interest rate of 13 months or more, with the final interest rate applied to deposits of 200 billion VND or more at 7.5%/year. This bank also applies an interest rate of 6.1% for a 24-month term.

Bac A Bank applies an interest rate of 6%/year for a 12-month term; 6.1%/year for a 13-15 month term; 6.4%/year for a 18-36 month term. Conditions apply to deposits over 1 billion VND.