According to a survey by Lao Dong Newspaper reporters on the morning of March 7, 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. Under 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 suit, HDBank with an interest rate of 8.1% 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 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 the 13-month term at 7.2%/year when customers receive interest at the end of the term. Currently, the highest interest rate PGBank lists is 7.2% applied to terms of 12, 13 months.
Under normal conditions, 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 Cake by VPBank lists is 7.3% applied for a term of 6-12 months.
Bac A Bank is listing the highest interest rate for a 13-month term at 6.85% when individual customers deposit money online and receive interest at the end of the term.
Vikki Bank is listing the highest interest rate for a 13-month term at 6.7% when individual 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 800 million VND into Bank A, with a term of 13 months and enjoy an interest rate of 7.2%/year, the interest received is as follows:
800 million VND x 7.2%/12 x 13 = 62.4 million VND.
For example, if people deposit 1.5 billion VND into Bank A, with a term of 13 months and enjoy an interest rate of 7.1%/year, the interest received is as follows:
1.5 billion VND x 7.1%/12 x 13 = 115.375 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.
