(NLDO) - Some banks have very high interest rates today for a term, other banks add interest rates for online depositors.
On November 18, Ms. Hoang Van (living in Ho Chi Minh City) said that she had an online savings deposit at Eximbank that was due for final settlement. Normally, she often chooses a 3-month or 6-month term for online savings that matures once.
However, a bank employee at a transaction office in Binh Thanh district advised her to choose a 4-month term deposit because Eximbank is mobilizing interest rates for this term up to 4.7%/year, much higher than the 3-month term at 4.3%/year and also higher than the 5-month term at 4.7%/year.
"Looking at the bank's online deposit interest rate table, the 4-month term is 4.7%/year, which is only 3.5%/year higher than the counter deposit, so I chose to deposit for 4 months," said Ms. Van.
Online savings for 4 months at Eximbank are surprisingly higher than other terms.
Currently, Eximbank's highest interest rate for online deposits is 6.3%/year for deposits of 24 months or more; if deposited at the counter, the highest interest rate is 5.7%/year for an 18-month term.
Some customers who regularly save online also shared that online interest rates are 0.1 - 0.5 percentage points higher than at the counter, depending on the bank and term.
At the same time, to get the best return on your idle savings, you can consider additional interest programs.
At BVBank, the bank has launched a program to add 0.6% interest rate when customers deposit savings online on Digimi digital bank. The program applies to deposit terms from 1 to 6 months and deposit amounts from 10 million VND or more.
With this additional rate, the 6-month deposit interest rate is up to 5.8%/year. This may be a competitive interest rate in the current market.
According to BVBank, customers can also request a savings book confirmation online at any of the bank's transaction points.
Some banks have programs to give additional interest rates to customers who deposit online.
Another bank that also applies the policy of adding interest is Cake by VPBank. Customers who deposit savings at this digital bank will enjoy an interest rate of 5.3%/year for a term of 6 months; 5.8%/year for a term of 12 months and the highest interest rate is 6.1%/year for a term of 24 months.
The policy of adding interest rate applies when new customers deposit from 5 million VND, giving 0.6% interest and introducing relatives to save will get 0.3% interest...
According to experts, saving is still a popular investment channel for idle money in the context of plummeting stocks, strong fluctuations in gold prices and an unrecovered real estate market.
Source: https://nld.com.vn/lai-suat-hom-nay-18-11-gui-tiet-kiem-ky-han-nay-lai-cao-bat-ngo-19624111808390887.htm
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