HDBank's highest special interest rate is up to 8.1%/year
According to HDBank's latest capital mobilization interest rate table, effective from November 6, 2025, the bank continues to list special counter interest rates that are very high for large deposits.
Specifically, the highest interest rate in the whole system is 8. 10%/year, applied to a 13-month term. In addition, the 12-month term also has a special interest rate of 7.70%/year.
However, to enjoy this "huge" interest rate, customers need to meet the condition of having a minimum savings of VND500 billion or more and receiving interest at the end of the term. This is a preferential policy exclusively for the super VIP customer segment.
"Online savings" interest rates for individual customers
For the majority of individual customers, the form of "Online savings" is still the optimal choice thanks to higher interest rates than counter deposits for many terms.
According to the interest rate table on November 6, short-term interest rates are still very competitive: 1-2 month term is 4.20%/year; 3-5 month term is 4.30%/year.
Notably, the 6-month term interest rate remains at 5.50%/year. Longer terms such as 12 months are 5.80%/year, and 13 months are 6.00%/year.
The highest annual listed interest rate for online products is 6. 10%/year, for an 18-month term.
Below is a detailed table of "Online Savings" deposit interest rates:
Deposit 1 billion VND in online savings, how much interest will you receive?
The profit problem for a deposit of 1 billion VND will change depending on the term chosen by the customer. Below is the expected interest calculation table:
Thus, if depositing 1 billion VND, customers who choose an 18-month term will receive the best interest rate per year (6. 10%), earning 91.5 million VND in interest.
However, if there is no need to use capital for a long time, the 36-month term will bring the highest total actual interest amount, up to 165 million VND, helping to maximize the profit for idle money.
