According to a survey at 3:00 PM on February 8, 2026 with nearly 30 banks, Cake by VPBank is listing the highest interest rate for a 6-month term at 7.3%/year when customers receive interest at the end of the term. When customers receive interest at the beginning of the term, monthly and quarterly, they will receive interest rates of 6.04%, 6.19% and 6.24%/year respectively.
PGBank lists the highest interest rate for a 6-month term at 7.1%/year when customers receive interest at the end of the term; if they receive monthly interest, they receive a 7% interest rate. Currently, PGBank is listing the highest interest rate at 7.2%/year for terms of 12 and 13 months.
BacABank lists the highest interest rate for a 6-month term at 6.8%/year when customers deposit money online and receive interest at the end of the term. BacABank lists the highest interest rate at 6.9% when customers deposit money for terms of 18, 24, 36 and above.
Vikki Bank is listing the highest interest rate for a 6-month term at 6.5%/year when customers deposit money online and receive interest at the end of the term. The highest term this unit is listing the highest interest rate is 13 months, at 6.7%.
How to receive interest when depositing for 6 months?
Formula for calculating 6-month savings deposit interest at bank:
Interest = Deposit amount x interest rate (%)/12 months x number of months deposited
Deposit 300 million VND into Bank A, with an interest rate of 7.3% for a 6-month term. The interest you receive is estimated to be:
300 million VND x 7.3%/12 x 6 months = 10.95 million VND.
Before depositing savings, readers should compare savings interest rates between banks, interest rates between terms to enjoy the highest interest.
* 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 articles about interest rates HERE.
