According to a survey by Lao Dong Newspaper reporters on January 20, 2026, PVcomBank's interest rate is currently the highest in the market, up to 9% for a 13-month term with a minimum deposit of 2,000 billion VND. In normal conditions, PVcomBank lists the highest 13-month interest rate at 6.3% when customers deposit money online and 6% when depositing money at the counter.
Following, HDBank with an interest rate of 8.1% for a 13-month term, the condition to maintain a minimum balance of 500 billion VND. In normal conditions, HDBank lists the highest 13-month interest rate at 6% when customers deposit money online and 5.9% when depositing money at the counter.
Top banks with high interest rates when depositing savings for 13 months under normal conditions can be mentioned such as: PGBank, Cake by VPBank, Vikki Bank, BacABank...
PGBank is listing the highest interest rate for a 13-month term at 7.2%/year when customers receive interest at the end of the term. Customers receiving interest monthly receive an interest rate of 6.95%.
Cake by VPBank is listing the highest interest rate for a 13-month term at 7.1%/year when customers receive interest at the end of the term. Currently, the highest interest rate listed by Cake by VPBank is 7.3% applied for a 13-month term.
BacABank is listing the highest interest rate for a 13-month term at 6.85% when individual customers deposit money online, receiving interest at the end of the term. Currently, BacABank is listing the highest interest rate at 6.9%/year for terms from 18-36 months.
Vikki Bank is listing the highest interest rate for a 13-month term at 6.7% when individual customers deposit money online, receiving interest at the end of the term.
Deposit savings for 13 months, how much interest will you receive?
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, for a 13-month term and enjoy an interest rate of 6.5%/year, the interest received is as follows:
200 million VND x 7.2%/12 x 13 = 15.6 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.
