Among nearly 30 banks in the system, PVcomBank interest rates are leading the 13-month term market when listing the highest savings interest rate at 9%/year for mass savings products. However, savings at the counter are only applied to newly opened deposit balances of VND 2,000 billion or more.
Under normal conditions, PVcomBank lists interest rates at 5.5%/year when customers deposit money in a traditional way. Customers depositing money online receive an interest rate of 5.8%.
HDBank applies an interest rate of 8.1%/year for a 13-month term with the condition of maintaining a minimum balance of VND300 billion. When customers deposit at the counter, under normal conditions, they only receive an interest rate of 5.9%/year. If they deposit online, customers receive an interest rate of 6%/year.
Under normal conditions, some banks with high interest rates for 13-month terms include: Cake by VPBank, BacABank, Vikki Bank...
Cake by VPBank is listing the highest 13-month savings interest rate at 6.5% when customers deposit money online and receive interest at the end of the term. This is also the highest interest rate that this bank is listing. From November 12 to December 31, 2025, Cake by VPBank will launch the program "Saving challenge: Having a job as a "boss", having a day to receive an iPhone", bringing a large number of prizes including 50 trendy iPhones 17 and 50,000 lucky money directly into the account, with a total value of up to 1.5 billion VND.
At the same time, Cake also launched an additional promotion to offer online savings interest rates. Customers who open a savings book for the first time for a term of 6 months will immediately receive an interest rate incentive plus 0.6%/year, applicable to all deposit values.
Vikki Bank is listing the highest interest rate for 13-month terms at 6.1%/year when customers deposit money online and receive interest at the end of the term. For other terms, customers list interest rates at 0.5-6.1%/year.
BacABank is listing the highest interest rate for 13-month terms at 6.1%/year when customers deposit electronic savings and receive interest at the end of the term. Currently, BacABank is listing the highest interest rate that this bank is applying at 6.3% for a term of 18-36 months.
How much interest do you receive if you deposit 1 billion VND for 13 months?
To calculate bank savings interest, you can apply the formula:
Interest = deposit x interest rate %/12 x number of months deposited
For example, you deposit 1 billion VND in Bank A, term 13 months and enjoy interest rate 5.95%/year, the interest received is as follows:
1 billion VND x 5.95%/12 x 13 = 64.46 million VND.
* Interest rate information is for reference only and may change from time to time. Please contact the nearest bank transaction point or hotline for advice.
Readers can refer to more information about interest rates HERE.
