VPBank savings interest rates by deposit amount
According to the VND deposit interest rate schedule for individual customers applied from July 7, 2026, VPBank lists interest rates according to deposit channels, deposit products, amount/book and approval authority.
At the online deposit channel, the interest rate table shows that deposit groups from 100 million VND to under 300 million VND have an interest rate of 8.5%/year for terms from 6-12 months:
Groups from 300 million VND to under 1 billion VND have a rate of 8.6%/year;
And the group from 1 billion VND to under 3 billion VND has a rate of 8.7%/year in the same term group.
For larger deposits, VPBank's savings interest rates continue to increase according to each amount:
The group from 3 billion VND to under 10 billion VND has a rate of 8.8%/year for a term of 6-12 months;
Groups from 10 billion VND to under 50 billion VND may be applied a rate of 8.9%/year, depending on the approval of competent authorities.
The highest interest rate in the interest rate schedule is 9%/year, applied to deposit groups from 50 billion VND or more at some levels of approval, for terms from 6-12 months.
Depositors need to note that this is an interest rate schedule approved by competent authorities. High interest rates may depend on the amount of deposit, customer grouping, deposit product, deposit channel and approval decision at the time of transaction.
How much interest do you receive when depositing each amount at VPBank?
To calculate savings deposit interest, customers can apply the formula:
Interest = Deposit amount x interest rate %/year x number of months deposited/12 months
For a 6-month term, the reference interest at VPBank is calculated as follows:
Depositing 300 million VND, if applied an interest rate of 8.6%/year, the interest after 6 months is about 12.9 million VND.
Deposit 500 million VND, if applied an interest rate of 8.6%/year, the interest after 6 months is about 21.5 million VND.
Depositing 1 billion VND, if applied an interest rate of 8.7%/year, the interest after 6 months is about 43.5 million VND.
Depositing 3 billion VND, if applied an interest rate of 8.8%/year, the interest after 6 months is about 132 million VND.
Depositing 10 billion VND, if applied an interest rate of 8.9%/year, the interest after 6 months is about 445 million VND.
Depositing 50 billion VND, if applied an interest rate of 9%/year, the interest after 6 months is about 2.25 billion VND.
Before depositing savings, customers should directly check at the bank for application conditions, deposit products, interest receipt methods and approval from competent authorities. The actual interest received may change depending on the deposit date, deposit amount, term and interest rate schedule at the time of transaction.
