PVcomBank's interest rate is currently the highest in the market, up to 10% for a 12-month term with a minimum deposit of 20,000 billion VND. Under normal conditions, PVcomBank lists the highest 12-month interest rate at 5.6% when customers deposit money online and 5.3% when depositing money at the counter.
Following suit, HDBank with an interest rate of 7.7% for a 12-month term, conditions for maintaining a minimum balance of 500 billion VND. Under normal conditions, HDBank lists the highest 12-month interest rate at 5.3% when customers deposit money online and 5.2% when depositing money at the counter.
Top banks with high interest rates when depositing 12-month savings under normal conditions include: PGBank, Cake by VPBank, VCB Neo, BacABank...
PGBank is listing the highest interest rate for a 12-month term at 6.5%/year when customers receive interest at the end of the term.
Cake by VPBank is listing the highest interest rate for a 12-month term at 7.4%/year when customers receive interest at the end of the term. Customers receiving interest at the beginning of the term, monthly, receive interest rates of: 6.59%; 7.02%; 7.08% respectively.
This bank is adding interest directly to the listed interest rate in a step-by-step manner for customers who open new term deposit accounts at Cake by VPBank digital bank through the CAKE BANK application. From April 16, 2026 to the end of May 31, 2026.
Additional interest rate:
- From 5 million VND - plus 1%/year
- From 100 million VND - plus 1.3%/year
Plus this preferential interest rate, when depositing money from 100 million VND for a 12-month term, you receive the highest interest rate at 8.7%.
BAC A BANK is listing the highest interest rate for a 12-month term at 6.9% when individual customers deposit money online and receive interest at the end of the term. This is also the highest interest rate BAC A BANK is listing.
Vikki Bank is listing the highest interest rate for a 12-month term at 6.5% when individual customers deposit money online and receive interest at the end of the term.
How much interest do you receive when depositing for 12 months?
You can refer to how to calculate interest to know how much interest you receive after depositing savings. To calculate interest, you can apply the formula:
Interest = deposit amount x interest rate %/12 x number of months deposited
For example, if people deposit 200 million VND into Bank A, with a term of 12 months and enjoy an interest rate of 7.3%/year, the interest received is as follows:
200 million VND x 7.3%/12 x 12 = 14.6 million VND.
For example, if people deposit 800 million VND into Bank A, with a term of 12 months and enjoy an interest rate of 7.3%/year, the interest received is as follows:
800 million VND x 7.3%/12 x 12 = 58.4 million VND.
* Interest rate information is for reference only and may change in each period. Please contact the nearest bank transaction point or hotline for specific advice.
Readers can refer to more information about interest rates HERE.
