HDBank's highest special interest rate is up to 8.1%/year
According to HDBank's current capital mobilization interest rate table (effective from November 6, 2025), this bank still holds a special "huge" interest rate at the counter.
The highest interest rate in the whole system is 8. 10%/year, applied to a 13-month term. The 12-month term also has a special interest rate of 7.70%/year.
However, these interest rates only apply to very large deposits, with a minimum of VND500 billion or more and receiving interest at the end of the term.
"Online savings" interest rates for individual customers
For mass customers, the "Online Savings" product is still an effective profit channel thanks to more preferential interest rates than counter deposit.
For short terms under 6 months, interest rates range from 4. 20% - 4. 30%/year. Longer terms have much more attractive interest rates: 6-month term is 5.50%/year, 12-month term is 5.80%/year.
Notably, the 18-month term is holding the highest listed interest rate of 6. 10%/year.
Below is a detailed table of "Online Savings" deposit interest rates:
Deposit 300 million VND online, how much interest will you receive?
To help customers have a clear view of profits, the table below calculates the expected interest for a deposit of VND300 million for different terms:
Thus, if you deposit 300 million VND for 12 months, you will receive 17.4 million VND in interest.
If you choose an 18-month term to enjoy the highest annual interest rate (6. 10%), the interest received is nearly 27.5 million VND. However, the option to bring the largest total profit is to deposit for a 36-month term, with the actual interest received up to 49.5 million VND.
Note: The above interest rate table is for reference only.
