According to statistics, as of April 12, there are 13 commercial banks listing interest rates from 4%/year for 3-month online deposits with interest paid at the end of the term.
Vietnam Modern Commercial Joint Stock Bank (MBV) and Vietnam Thuong Tin Commercial Joint Stock Bank (VietBank) are leading the market in terms of online deposit interest rates for 3-month terms. Previously, MBV and VietBank paid interest rates of up to 4.6%/year for this term.
However, after the meeting on interest rates between the State Bank and commercial banks on February 25, MBV and VietBank, along with more than 20 other commercial banks, reduced deposit interest rates at many terms, especially terms under 6 months.
These two banks are leading the market in terms of the highest interest rates for 3-month terms, up to 4.4%/year.
Bao Viet Commercial Joint Stock Bank (BaoVietBank), Vietnam Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCBNeo) and Vikki Digital Bank (Vikki Bank) are also among the banks paying the highest 3-month online deposit interest rates, up to 4.35%/year.
The 3-month term bank interest rate with interest paid at the end of the term at National Citizen Commercial Joint Stock Bank (NCB) and Orient Commercial Joint Stock Bank (OCB) ranked next with an interest rate of 4.2%/year.
For the same term, BVBank listed an interest rate of 4.15% per year, while the bank interest rates at Vietnam Export Import Commercial Joint Stock Bank (Eximbank) and Global Petroleum Bank (GPBank) were 4.1% and 4.02% per year, respectively.
Military Commercial Joint Stock Bank (MB), Nam A Commercial Joint Stock Bank (Nam A Bank) and Viet A Commercial Joint Stock Bank (Viet A Bank) all listed savings interest rates of 4%/year for 3-month online savings deposits with interest paid at the end of the term.
In addition to the 13 banks mentioned above, the remaining banks all listed interest rates below 4%/year for 3-month term deposits.
Of which, Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) and Saigon Commercial Joint Stock Bank (SCB) listed the lowest deposit interest rates among domestic commercial banks, only 1.9%/year.
The remaining 3 banks in the Big 4 group are also maintaining the lowest interest rates. Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) and Vietnam Joint Stock Commercial Bank for Investment and Development (BIDV) both listed an interest rate of 2.3%/year for 3-month online deposits. Meanwhile, the interest rate at Vietnam Bank for Agriculture and Rural Development (Agribank) is 3%/year.
Having maintained the lowest deposit interest rates, SCB and Vietcombank are two of the few banks (along with Sacombank and ACB) that have not adjusted interest rates in recent months.
Since February 25, 27 domestic commercial banks have reduced their deposit interest rates by 0.1-1.05% per year. In April alone, several more banks reduced their deposit interest rates, including VPBank, MB, Eximbank and Nam A Bank.
| CURRENT ONLINE DEPOSITS INTEREST RATES AT BANKS (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| MBV | 4.1 | 4.4 | 5.5 | 5.6 | 5.8 | 5.9 |
| VIETBANK | 4.1 | 4.4 | 5.4 | 5.4 | 5.8 | 5.9 |
| BAOVIETBANK | 3.5 | 4.35 | 5.45 | 5.5 | 5.8 | 5.9 |
| VCBNEO | 4.15 | 4.35 | 5.7 | 5.65 | 5.85 | 5.85 |
| VIKKI BANK | 4.15 | 4.35 | 5.65 | 5.95 | 6 | 6 |
| NCB | 4 | 4.2 | 5.35 | 5.45 | 5.6 | 5.6 |
| OCB | 4 | 4.2 | 5.1 | 5.1 | 5.2 | 5.4 |
| BVBANK | 3.95 | 4.15 | 5.15 | 5.3 | 5.6 | 5.9 |
| EXIMBANK | 4 | 4.1 | 5.1 | 5.2 | 5.3 | 5.7 |
| GPBANK | 3.5 | 4.02 | 5.35 | 5.7 | 6.05 | 6.15 |
| MB | 3.7 | 4 | 4.6 | 4.6 | 5 | 5 |
| NAM A BANK | 3.8 | 4 | 4.9 | 5.2 | 5.5 | 5.6 |
| VIET A BANK | 3.7 | 4 | 5.2 | 5.4 | 5.7 | 5.9 |
| HDBANK | 3.85 | 3.95 | 5.3 | 4.7 | 5.6 | 6.1 |
| ABBANK | 3.2 | 3.9 | 5.4 | 5.5 | 5.7 | 5.5 |
| LPBANK | 3.6 | 3.9 | 5.1 | 5.1 | 5.6 | 5.6 |
| MSB | 3.9 | 3.9 | 5 | 5 | 5.6 | 5.6 |
| VPBANK | 3.7 | 3.9 | 4.8 | 4.8 | 5.3 | 5.3 |
| BAC A BANK | 3.5 | 3.8 | 4.95 | 5.05 | 5.4 | 5.8 |
| PGBANK | 3.4 | 3.8 | 5 | 4.9 | 5.4 | 5.8 |
| SHB | 3.5 | 3.8 | 4.9 | 5 | 5.3 | 5.5 |
| TPBANK | 3.5 | 3.8 | 4.8 | 4.9 | 5.2 | 5.5 |
| VIB | 3.7 | 3.8 | 4.7 | 4.7 | 4.9 | 5.2 |
| KIENLONGBANK | 3.7 | 3.7 | 5.1 | 5.2 | 5.5 | 5.45 |
| 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 | 5.6 | 5.8 |
| TECHCOMBANK | 3.25 | 3.55 | 4.55 | 4.55 | 4.75 | 4.75 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 | 5.45 |
| SEABANK | 2.95 | 3.45 | 3.95 | 4.15 | 4.7 | 4.7 |
| 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 |
| SCB | 1.6 | 1.9 | 2.9 | 2.9 | 3.7 | 3.9 |
Source: https://baodaknong.vn/lai-suat-ngan-hang-hom-nay-12-4-2025-ky-han-3-thang-nha-bang-nao-cao-nhat-249152.html
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