According to a survey by Lao Dong Newspaper with nearly 30 banks, Cake by VPBank is listing 6-month term interest rates at a normal rate of 7.2%/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 6.78%, 7.02% and 6.79%/year respectively.
From April 16, 2026 to the end of May 31, 2026, Cake by VPBank directly adds interest to the listed interest rate in a tiered pattern for customers who open new term deposit accounts at Cake by VPBank Digital Bank through the CAKE BANK Application. Additional interest: From 5 million VND, it will add 1%/year; from 100 million VND, it will add 1.3%/year. Conditions for applying incentives: Interest receiving method: End of term, beginning of term, monthly, quarterly; Deposit term: From 6-13 months and no pre-term settlement.
Accordingly, when customers deposit from 100 million VND for a 6-month term, they will receive an additional interest rate of 1.3%, receiving a high interest rate of up to 8.5%/year.
BAC A BANK lists the highest interest rate for a 6-month term at 7.05%/year when customers deposit online over 1 billion VND, receiving interest at the end of the term. BAC A BANK lists the highest interest rate at 7.1% when customers deposit over 1 billion VND for a 12-month term, receiving interest at the end of the term.
VCBNeo is listing the highest interest rate for a 6-month term at 6.5%/year when customers deposit money online.
PGBank lists the highest interest rate for a 6-month term at 6.9%/year when customers receive interest at the end of the term. Currently, PGBank is listing the highest interest rate at 7%/year for terms of 12 and 13 months.
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 8.5% for a 6-month term. The interest you receive is estimated to be:
300 million VND x 8.5%/12 x 6 months = 12.75 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.
