A survey of savings interest rates at some banks shows that the 6-month term is recording many notable interest rates, from 6.9%/year to 9%/year.
At Cake by VPBank, the standard 6-month term savings interest rate is currently at 7.2%/year when customers receive interest at the end of the term.
Cake by VPBank is offering an additional 1.8% interest rate for customers depositing money for the first time at CAKE BANK from 100,000 VND. Plus this preferential interest rate, customers depositing money for a 6-month term can receive an interest rate of up to 9%.
In addition, Cake by VPBank is displaying July promotions with the program "Deposit from 5 million - Including interest up to 1.8%/year". The program applies from July 10, 2026 to the end of July 31, 2026, for CAKE term deposits and CAKE accumulation term deposits.
If you add the incentive of 1.8%/year to the regular 6-month savings interest rate of 7.2%/year, eligible customers can also receive a 6-month savings interest rate of up to 9%/year.
VPBank also recorded many 6-month savings interest rates above 8%/year. According to the VND deposit interest rate schedule for individual customers applied from July 7, 2026, VPBank's online channel has an interest rate approved by competent authorities from 8.5%/year to 9%/year in the 6-12 month term group.
Specifically, the group of deposits from 100 million VND to under 300 million VND has a rate of 8.5%/year.
Groups from 300 million VND to under 1 billion VND have a rate of 8.6%/year;
Groups from 1 billion VND to under 3 billion VND have a rate of 8.7%/year;
With larger deposits, the interest rate can be up to 8.8-9%/year.
BAC A BANK lists the highest savings interest rate for a 6-month term at 7.05%/year. The highest interest rate at BAC A BANK is currently 7.1%/year when customers deposit money for a 12-month term.
VCBNeo is listing online savings interest rates for 6-month terms at 7%/year. According to the VND online deposit product interest rate schedule applied from June 6, 2026, terms from 6 months and above are all at 7%/year.
PGBank lists 6-month term savings interest rates at 6.9%/year when customers receive interest at the end of the term. The highest interest rate at PGBank is currently 7%/year, applicable to terms of 12 and 13 months.
Depositors need to note that the highest savings interest rate usually comes with specific conditions such as online deposit, minimum deposit amount, preferential program or separate approval.
Before depositing savings, customers should check the savings interest rate schedule at the bank, the method of receiving interest, the conditions for adding interest and the regulations for pre-term settlement.
