2 banks appear with savings interest rates higher than 7.6%

Thạch Lam |

According to a survey by Lao Dong Newspaper reporters on April 12, 12-month savings interest rates in the banking system fluctuate around 4.4 - 9%.

PVcomBank is listing the highest interest rate in the market, up to 9% for a 12-month term with a minimum deposit of VND 2,000 billion. Under normal conditions, PVcomBank lists the highest 12-month interest rate at 5.1% when customers deposit money online and 4.8% when depositing money at the counter.

Bieu lai suat tiet kiem truyen thong PVcomBank. Anh: PVcomBank
PVcomBank's traditional savings interest rate table. Photo: PVcomBank
Bieu lai suat tiet kiem online PVcomBank. Anh: PVcomBank
PVcomBank online savings interest rate table. Photo: PVcomBank

Following that, HDBank with an interest rate of 7.7% for a 12-month term, with a minimum balance of VND500 billion. Under normal conditions, HDBank lists the highest 12-month interest rate at 5.6% when customers deposit money online and 5.5% when depositing money at the counter.

Bieu lai suat tiet kiem tai quay HDBank. Anh: HDBank
Savings interest rate table at HDBank counter. Photo: HDBank
Bieu lai suat tiet kiem online HDBank. Anh: HDBank
HDBank online savings interest rate table. Photo: HDBank

The top banks with interest rates from 5.85% for 12-month terms under normal conditions include 3 banks: GPBank, Cake by VPBank, Vikki Bank, VCBneo...

GPBank is listing the highest 12-month interest rate at 6.05%/year for customers making electronic savings deposits. Currently, the highest interest rate listed by this bank is 6.15% for a term of 13 - 36 months.

Bieu lai suat tiet kiem dien tu ngan hang GPBank. Anh: GPBank
GPBank electronic savings interest rate table. Photo: GPBank

Cake by VPBank is listing the highest interest rate for 12-month terms at 6%/year when customers receive interest at the end of the term. For other terms Cake by VPBank lists interest rates from 4.28 - 6%/year.

Bieu lai suat tiet kiem Cake by VPBank. Anh: Cake by VPBank
Cake by VPBank savings interest rate table. Photo: Cake by VPBank

Vikki Bank is listing the highest 12-month interest rate at 5.95% when customers deposit money online and receive interest at the end of the term. For other terms, Vikki Bank is listing interest rates from 0.5-6%/year.

Bieu lai suat tiet kiem Vikki Bank. Anh: Vikki Bank
Vikki Bank savings interest rate table. Photo: Vikki Bank

VCBneo is listing the highest 12-month interest rate at 5.85% when customers deposit money online and receive interest at the end of the term. For other terms, Vikki Bank is listing interest rates from 4.15-5.85%/year.

Bieu lai suat tiet kiem VCBneo. Anh: VCBneo
VCBneo savings interest rate table. Photo: VCBneo

How much interest do you receive if you deposit for 12 months?

You can refer to the interest calculation method to know how much interest you will receive after making a savings deposit. To calculate interest, you can apply the formula:

Interest = deposit x interest rate %/12 x number of months deposited

For example, you deposit 200 million VND in Bank A, term 12 months and enjoy interest rate 6.05%/year, the interest received is as follows:

200 million VND x 6.05%/12 x 12 = 12.1 million VND.

For example, you deposit 1 billion VND in Bank A, term of 12 months and enjoy interest rate of 6.05%/year, the interest received is as follows:

1 billion VND x 6.05%/12 x 12 = 60.5 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 specific advice.

Readers can refer to more information about interest rates HERE.

Thạch Lam
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Update interest rates of Agribank, BIDV, Vietcombank, VietinBank 9.4.2025

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