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 4, 2025, the bank is applying a very attractive special interest rate for large-value deposits at the counter.
Specifically, the highest interest rate in the whole system is up to 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.
This is a policy exclusively for the super VIP customer segment. These interest rates only apply to savings of VND500 billion or more on each savings card and are only applied to interest paid at the end of the term.
HDBank increases interest rates, details "Online savings" interest rates for individual customers
For regular individual customers, the "Online Savings" product is still the optimal choice with competitive interest rates.
Compared to the interest rate table on October 16, 2025, HDBank's new interest rate table on November 4, 2025 has increased interest rates for many terms of the "Online Savings" product.
Specifically:
1 - 2 month term: Increase from 4.05%/year to 4.20%/year.
3 - 5 month term: Increase from 4.15%/year to 4. 30%/year.
6-month term: Increase from 5. 30%/year to 5.50%/year.
12-month term: Increase from 5.60%/year to 5.80%/year.
13-month term: Increase from 5.80%/year to 6.00%/year.
The highest interest rate for an 18-month term remains at 6. 10%/year.
Below is the "Online Savings" deposit interest rate table (%/year) announced by HDBank:
Deposit 1 billion VND online, receive the highest interest of 165 million VND
With a deposit of 1 billion VND, choosing a long term will bring the largest total interest, although the listed interest rate per year is not the highest.
Thus, with a deposit of 1 billion VND, if customers choose an 18-month term (interest rate of 6. 10%/year), the interest received is 91.5 million VND.
However, if customers have a long-term financial plan and choose a 36-month term, even though the annual interest rate is 5.50%, the total actual interest received is up to 165 million VND. This is the option that brings the highest total profit to depositors.
