HDBank's highest special interest rate is up to 8.1%/year
According to HDBank's latest capital mobilization interest rate schedule (effective from November 6, 2025), the bank continues to list a very high special interest rate at the counter for large deposits.
Specifically, the highest interest rate for the entire system is 8.10%/year, applied to the 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 500 billion VND or more and receiving interest at the end of the term. This is a preferential policy specifically for the super VIP customer segment.
Online Savings" interest rates for individual customers
For the vast majority of individual customers, the "Online Savings" form is still the optimal choice thanks to higher interest rates compared to depositing at the counter for many terms.
According to the current interest rate schedule, interest rates for short terms are still very competitive: terms of 1-2 months are 4.20%/year; terms of 3-5 months are 4.30%/year.
Notably, the 6-month term interest rate is kept 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 a term of 18 months.
Below is a detailed deposit interest rate table "Online Savings" (%/year):
Deposit 500 million VND online, how much interest will you receive?
The profit calculation for the 500 million VND deposit will vary depending on the term customers choose.
Below is the expected interest calculation table:
Thus, if depositing 500 million VND, customers choosing an 18-month term will receive the best interest rate per year (6.10%), earning nearly 46 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 received, up to 82.5 million VND, helping to maximize profits for idle money.
The above interest rate table is for reference only. Can be changed according to the bank's policy.
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