Bank appears with interest rate of more than 7.6% when depositing for 12 months

Thạch Lam |

According to a survey by Lao Dong Newspaper reporters on February 3, 12-month savings interest rates in the banking system fluctuate around 4.4 - 9%.

PVcomBank's interest rate is currently the highest in the market, up to 9% for a 12-month term with a minimum deposit of VND2,000 billion, however customers must meet special conditions.

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 is 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 rates 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 the highest interest rates for 12-month terms under normal conditions include: KienlongBank, GPBank, Cake by VPBank, CBBank...

Kienlongbank is listing the highest interest rate for a 12-month term at 6.1% when individual customers deposit money online. Currently, the highest interest rate listed by this bank is 6.4%/year when customers deposit money for 60 months.

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

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 terms 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 a 12-month term 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 - 6.3%/year.

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

CBBank is listing the highest 12-month interest rate at 6% when customers deposit money online. This bank is listing interest rates ranging from 4.1-6%/year.

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

How much interest do you receive if you save 1 billion VND for 12 months?

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

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

For example, you deposit 1 billion VND in Bank A, for a term of 12 months and enjoy an interest rate of 6.1%/year, the interest received is as follows:

1 billion x 6.1%/12 x 12 = 61 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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