According to a survey at 5:26 PM on February 5, 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.
From January 1, 2026 to the end of February 28, 2026, Cake by VPBank offers an additional interest rate of 0.9%/year for individual customers who use term deposit products for the first time at CAKE by VPBank Digital Bank (including CAKE BANK application and other platforms). Conditions to receive additional interest rates are the method of receiving interest: End of term, beginning of term, monthly, quarterly; Deposit term from 6 months or more and no pre-final settlement.
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.
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%.
NCB announces an additional interest rate of up to 2%/year when all individual customers deposit online through NCB's digital banking application. The conditions are widely applied to deposits with terms of 6 months or more and are extended until January 31, 2026.
With the addition of an interest rate of 2%/year, the online deposit interest rate at NCB for terms of 6 - 8 months will be up to 8.2%/year; term of 9 - 11 months up to 8.25%/year; term of 12 - 36 months is 8.3%/year.
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 600 million VND into Bank A, with an interest rate of 8.2% for a 6-month term. The interest you receive is estimated to be:
600 million VND x 8.2%/12 x 6 months = 24.6 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.
