Latest BIDV interest rates, deposit 1 billion VND and receive 120 million VND interest after 2 years

BIDV savings interest rate highest at 6%/year

A survey by Lao Dong Newspaper reporters at 8:45 am on September 24, 2026, BIDV's savings interest rate for individual customers is fluctuating from 0.1-6%/year.

In which, the highest interest rate of 6%/year is applied by BIDV for 24-month and 36-month term deposits.

In the short term group, BIDV is listing an interest rate of 2.1%/year for terms of 1-2 months. For terms of 3-5 months, the applied interest rate is 2.4%/year.

For terms of 6-9 months, BIDV's current savings interest rate is 3.5%/year.

The long-term group from 12-18 months is being listed at 5.9%/year. Meanwhile, the 24-month and 36-month terms have the highest interest rates, reaching 6%/year.

For demand deposits or payment accounts, BIDV applies an interest rate of 0.1%/year.

Depositing 1 billion VND at BIDV after 2 years, how much interest will you receive?

Customers can quickly calculate the interest amount according to the formula:

For example, customers deposit 1 billion VND at BIDV with a term of 24 months, enjoying an interest rate of 6%/year.

Estimated interest amount:

1,000,000,000,000 × 6% / 12 × 24 = 120,000,000,000 VND

Thus, after 2 years, the deposit of 1 billion VND at BIDV can bring in about 120 million VND in interest if the current listed interest rate is applied.

In case customers deposit the same amount of money for a term of 36 months with an interest rate of 6%/year, the estimated interest received is:

1. 000. 000. 000 × 6% / 12 × 36 = 180. 000. 000 VND

Thus, after 3 years, the deposit of 1 billion VND can receive about 180 million VND in interest at the current interest rate.

However, when depositing savings for a long time, customers need to consider their capital needs, the ability to fluctuate interest rates and choose a suitable term.