HDBank's highest special interest rate is up to 8.1%/year
According to HDBank's current capital mobilization interest rate table (applicable from November 6, 2025), this bank lists a very high special counter interest rate 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%/year3.
However, this interest rate comes with quite strict conditions: customers need to have a minimum savings of VND500 billion or more and must receive interest at the end of the term. This is a preferential policy exclusively for the super VIP4 customer segment.
"Online savings" interest rates for individual customers
For regular individual customers, the form of "Online savings" brings more competitive interest rates than depositing at the counter for many terms.
Accordingly, the interest rate for short terms of 1-2 months is 4.20%/year; the term of 3-5 months is 4.30%/year6.
For longer terms, the 6-month term interest rate is 5.50%/year7. The 12-month term is listed at 5.80%/year8. Notably, the highest annual interest rate for this product is 6. 10%/year, for a term of 18 months in September.
Below is a detailed table of "Online Savings" deposit interest rates:
Deposit 2 billion VND online, how much interest will you receive?
With a large deposit of 2 billion VND, choosing a deposit term will greatly affect the total interest received. Below is the expected interest calculation table for the deposit of 2 billion VND:
Thus, for short terms under 6 months, the interest received ranges from a few hundred thousand to more than 35 million VND, suitable for the need for quick capital turnover.
If customers deposit for a long period of 18 months, they will receive the highest annual interest rate (6.10%) with 183 million VND in interest. However, the most profitable option for long-term idle money is still a 36-month term, with a total actual interest received of up to 330 million VND.
Note: The above expected interest rate table is for reference only.
