According to a survey by PV Lao Dong with nearly 30 banks in the system on January 14, 2024, leading the 12-month savings interest rate table, PVcomBank listed an interest rate of up to 10%/year. However, to enjoy this extremely high interest rate, customers need to meet the condition of depositing at least 2,000 billion VND at the counter and only applies to products that receive interest at the end of the term.
Under normal conditions, PVcomBank is listing the highest interest rate at 5.1%/year when customers deposit savings online and receive interest at the end of the term. If customers deposit money at the counter, they will only receive an interest rate of 4.8%/year.
HDBank listed an interest rate of 8%/year for a 12-month term with the condition of maintaining a minimum balance of 300 billion VND. Under normal conditions, when making a 12-month online savings deposit, customers receive an interest rate of 5.7%/year. If customers deposit money at the counter, they only receive an interest rate of 5.5%/year.
Under normal conditions, HDBank is listing the highest interest rate at 6.5%/year when customers deposit money online for an 18-month term.
NCB is listing the highest interest rate for a 12-month term at 5.7%/year when customers deposit money at An Phu. Customers with traditional deposits only receive an interest rate of 5.55%/year.
Currently, NCB is listing the highest interest rate at 6%/year when customers deposit savings at An Phu for 15-60 months.
Similarly, NamABank is listing the highest interest rate for a 12-month term at 5.7% when customers deposit money online and receive interest at the end of the term. NamABank's interest rate schedule is fluctuating between 0.5-6.1%/year.
Following closely, BaoVietBank is listing the highest interest rate for a 12-month term at 5.6%/year when customers deposit money online and receive interest at the end of the term.
Save 1 billion VND, after 12 months how much interest will you receive?
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 5.7%/year, the interest received is as follows:
1 billion VND x 5.7%/12 x 12 = 57 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.
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