According to a survey by Lao Dong Newspaper reporters on May 4, 2026, PVcomBank's interest rate is currently the highest in the market, up to 10% for a 13-month term with a minimum deposit of 2,000 billion VND. Under normal conditions, PVcomBank lists the highest 13-month interest rate at 5.8% when customers deposit money online and 5.5% when depositing money at the counter.
Following behind, HDBank with an interest rate of 7.6% for a 13-month term, conditions for maintaining a minimum balance of 500 billion VND. Under normal conditions, HDBank lists the highest 13-month interest rate at 5.5% when customers deposit money online and 5.4% when depositing money at the counter.
Top banks with high interest rates when depositing 13 months under normal conditions include: PGBank, Cake by VPBank, VCBNeo, BacABank...
PGBank is listing the highest interest rate for the 13-month term at 7%/year when customers receive interest at the end of the term. This is also the highest interest rate PGBank lists, applied for terms of 12, 13 months.
Under normal conditions, Cake by VPBank is listing a 13-month term interest rate at 7.4%/year when customers receive interest at the end of the term. Currently, the highest Cake by VPBank listed interest rate is 7.4% applied to terms of 10-36 months.
Cake by VPBank is offering an additional interest rate of 1.5%/year to individual customers who use term deposit products at CAKE by VPBank Digital Bank for the first time (not applicable to customers who have opened savings books at CAKE by VPBank Digital Bank through any other application other than the CAKE BANK application) who meet the following conditions:
Interest receipt method: At the end of the term, at the beginning of the term, monthly, quarterly; Deposit term: From 6 months or more and no pre-term settlement.
Adding this preferential interest rate, Cake by VPBank's 13-month savings interest rate is currently listed at 8.9%.
Bac A Bank is listing the highest interest rate for a 13-month term at 6.95% when individual customers deposit online from 1 billion VND, receiving interest at the end of the term.
VCBNeo is listing the highest 13-month interest rate at 6.5%/year when customers deposit money online and receive interest at the end of the term.
How much interest do you receive when depositing for 13 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 13 months and enjoy an interest rate of 8.7%/year, the interest received is as follows:
200 million VND x 8.7%/12 x 13 = 18.85 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.
