Bank savings interest rates today at HDBank, highest at 8.1%/year
According to the HDBank deposit interest rate table effective from June 11, 2025, the highest rate applies to a 13-month term - 8.1%/year ( Type 1, for customers depositing VND500 billion or more). With an amount of 1 billion VND, customers can only enjoy the regular rate (type 2), i.e. 5.7% at the counter or 5.8% online.
Although not reaching 8.1% like super VIP customers, 1 billion VND in savings at HDBank still brings significant interest.
According to the latest updated HDBank interest rate table, counter savings interest rates range from 3.35%/year to 8.1%/year depending on the term.
How much interest do you receive if you deposit 1 billion VND at HDBank?
Below is the estimated interest if depositing 1 billion VND at HDBank, receiving interest at the end of the term (rounded, calculated according to 365 days):
With a common deposit of 1 billion VND, an 18-month online term brings the highest interest rate, 91.5 million VND.
Double interest: how to make more profit
In addition to the method of receiving interest at the end of the term, customers can choose to continue both principal and interest to enjoy double interest - that is, interest is included in the principal for the next term.
example 1: Deposit 1 billion VND for a 12-month term online, interest rate of 5.6%/year
Year 1: Deposit 1,000,000 VND → interest 56,000,000 VND → at the end of the term has 1,056,000,000 VND.
Year 2: Submit 1,056,000,000 VND → interest 59,136,000 VND → at the end of the term have 1,115,136,000 VND.
Year 3: Submit 1,115,136,000 VND → interest 62,048,000 VND → at the end of the term has 1,177,184,000 VND.
After 3 years: Total amount = 1.177 billion VND, of which net profit is approximately 177 million VND.
example 2: Deposit 1 billion VND for 18-month term online, interest rate 6.1%/year
Cycle 1 (18 months): Deposit 1,000,000,000 VND → interest 91,500,000 VND → at the end of the term has 1,091,500,000 VND.
Cycle 2 (the next 18 months): Deposit 1,091,500,000 VND → interest 21,294,000 VND → At the end of the term, there is 1,191,794,000 VND.
After 36 months: Total amount = VND 1.191 billion, of which net profit is approximately VND 191.8 million.
Thus, with double interest, long-term depositors will receive an additional 515 million VND compared to the method of only receiving unit interest per period.
For those who deposit savings, they need to stay flexible, easily withdraw capital at any time, can deposit for shorter terms and choose to continue transferring both principal and interest to new terms.
Note: Bank interest rates can be adjusted from time to time, so customers should contact HDBank for the most accurate information before depositing.
