The highest “special interest rate” currently is 9%/year at PVCombank, listed for 12 and 13 month terms, with interest paid at the end of the term. This interest rate has decreased by 0.5 percentage points compared to 3 months ago. Customers must meet the condition of having a new deposit balance of 2,000 billion VND or more.

PVCombank's "special interest rate" of 9%/year has a huge difference compared to the interest rates at the counter and online. Currently, the interest rates at the counter that this bank lists for 12 and 13-month terms are 4.3% and 4.5%/year, respectively. The online interest rate for these two terms is 5.1%/year.

At HDBank, the “special interest rate” is currently applied for 12 and 13 month terms at 7.7% and 8.1%/year, respectively. The condition is that individual customers receive interest at the end of the term and deposit a minimum amount of VND 500 billion.

500 billion VND is also the minimum amount required by MSB Bank to receive the highest deposit interest rate of up to 8%/year, 13-month term; and 7%/year with 12-month term.

This bank is also applying deposit interest rates of up to 6.3%/year, for terms of 12, 15 and 24 months regardless of the deposit amount, applicable to priority customers, customers receiving salary through payment accounts opened at MSB, customers who are bank employees and TNG Group.

At Vikki Bank (the new name of DongA Bank), the “special interest rate” is currently 7.5%/year, for a 13-month term. The condition is a minimum deposit balance of VND200 billion. This is also the most “relaxing” condition for banks with “special interest rates”.

In addition, for individual customers who deposit for a term of 6-12 months and receive interest at the end of the term, Vikki Bank offers an additional interest rate of 0.05%/year for customers who deposit from 500 million to less than 1 billion VND; and an additional 0.1%/year for customers who deposit from 1 billion VND or more.

At LPBank, the highest interest rate at the counter is 5.5%/year. However, for deposits of VND300 billion or more, the interest rate applied to customers receiving interest at the end of the term is 6.5%/year, monthly interest is 6.3%/year, and interest at the beginning of the term is 6.07%/year.

200 billion VND is the condition that ACB Bank offers to VIP customers if they want to receive the highest interest rate of 6%/year when depositing money for a 13-month term. In case customers receive interest monthly, the highest mobilization interest rate will be 5.9%/year.

PVcombank (12).jpg
PVCombank is the bank that lists the highest "special interest rate", up to 9%/year. Photo: Tung Doan.

In addition to “special interest rates”, some banks such as BVBank, Eximbank, IVB, KienlongBank are leading in paying the highest interest rates even for online deposits with the smallest deposit amount.

Accordingly, the highest interest rate at Eximbank is 6.5%/year for online deposits with a term of 24-36 months. Eximbank is also paying interest rates of up to 6.4%/year for online deposits with a term of 18 months, and 6.1%/year for a term of 15 months.

The highest bank interest rate at BVBank is also up to 6.45%/year, applied to 24-month online deposits. The interest rates for 15-month and 18-month deposits listed by BVBank are 6.25% and 6.35%/year, respectively.

KienlongBank is listing the highest interest rate of up to 6.4%/year, but only for term deposits up to 60 months. The mobilization interest rate is 6.3%/year for term 36 months, and 6.1%/year for term 12-24 months.

At Indovina, the highest interest rate is up to 6.2%/year for customers making online savings deposits for a term of 24 months or more.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON FEBRUARY 22, 2025 (%/YEAR)
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
AGRIBANK 2.4 3 3.7 3.7 4.7 4.7
BIDV 2 2.3 3.3 3.3 4.7 4.7
VIETINBANK 2 2.3 3.3 3.3 4.7 4.7
VIETCOMBANK 1.6 1.9 2.9 2.9 4.6 4.6
ABBANK 3.2 4 5.5 5.6 5.8 5.6
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.6 3.9 5.05 5.15 5.6 6
BAOVIETBANK 3.5 4.35 5.45 5.5 5.8 6
BVBANK 3.95 4.15 5.45 5.75 6.05 6.35
EXIMBANK 4.7 4.75 5.7 5.7 5.8 6.4
GPBANK 3.5 4.02 5.35 5.7 6.05 6.15
HDBANK 3.85 3.95 5.3 4.7 5.6 6.1
IVB 4 4.35 5.35 5.35 5.95 6.05
KIENLONGBANK 4.3 4.3 5.8 5.8 6.1 6.1
LPBANK 3.6 3.9 5.1 5.1 5.5 5.8
MB 3.7 4 4.6 4.6 5.1 5.1
MBV 4.3 4.6 5.5 5.6 5.8 6.1
MSB 4.1 4.1 5 5 6.3 5.8
NAM A BANK 4.3 4.5 5 5.2 5.6 5.7
NCB 4.1 4.3 5.45 5.55 5.7 5.7
OCB 4 4.2 5.2 5.2 5.3 5.5
PGBANK 3.4 3.8 5 5 5.5 5.8
PVCOMBANK 3.3 3.6 4.5 4.7 5.1 5.8
SACOMBANK 3.3 3.6 4.9 4.9 5.4 5.6
SAIGONBANK 3.3 3.6 4.8 4.9 5.8 6
SCB 1.6 1.9 2.9 2.9 3.7 3.9
SEABANK 2.95 3.45 3.95 4.15 4.7 5.45
SHB 3.5 3.8 5 5.1 5.5 5.8
TECHCOMBANK 3.35 3.65 4.65 4.65 4.85 4.85
TPBANK 3.5 3.8 4.8 4.9 5.2 5.5
VCBNEO 4.15 4.35 5.85 5.8 6 6
VIB 3.8 3.9 4.9 4.9 5.3
VIET A BANK 3.7 4 5.2 5.4 5.8 6
VIETBANK 4.3 4.6 5.4 5.4 5.8 5.9
VIKKI BANK 4.4 4.4 5.6 5.7 5.9 5.9
VPBANK 3.8 4 5 5 5.5 5.5

Since the beginning of February 2025, banks have adjusted their deposit interest rates, including: TPBank (reduced deposit interest rates for terms of 1 - 2 - 3 and 12 months), Techcombank (increased interest rates for terms of 6-36 months), Bac A Bank (reduced interest rates for 1-36 months) and Eximbank (increased interest rates for 1-12 months, decreased interest rates for 15-36 months, and decreased interest rates for 15-36 months), Viet A Bank (increased interest rates for terms of 12-36 months), Vikki Bank (increased terms of 1-8 months and 12 months, decreased interest rates for terms of 13-36 months); VietBank (increased interest rates for terms of 1-5 months and 7-9 months), BaoViet Bank (increased interest rates for terms of 1 month).