Before February 25 - the time when the State Bank required commercial banks to reduce interest rates - there were 14 commercial banks listing deposit interest rates of 6%/year or higher for long terms.

However, up to now, only 3 banks maintain the mobilization interest rate from 6%/year in the interest rate table.

GPBank is the latest bank to adjust its deposit interest rates below 6%/year, after simultaneously lowering interest rates for terms from 12 to 36 months to 5.95%/year last week.

Accordingly, the interest rates of 6.05%/year (applied to 12-month online deposits) and 6.15%/year (applied to 18-36 month terms) have officially been no longer maintained by GPBank.

GPBank's withdrawal from the group of banks announcing savings interest rates from 6%/year for long terms leaves the market with only 3 banks maintaining this highest mobilization interest rate. They are HDBank, VietABank and Vikki Bank.

In particular, HDBank currently applies a rate of 6%/year or more for online deposits with a term of 15 months and 6.1%/year for a term of 18 months.

In addition, this bank is implementing a special interest rate program for customers who deposit at the counter from 500 billion VND or more. Specifically, the rate of 7.7%/year is applied for a 12-month term and can be up to 8.1%/year for a 13-month term.

Currently, the highest online deposit interest rate listed by banks is still 6.1%/year - equivalent to the rate being applied by HDBank for an 18-month term.

Vikki Digital Bank (Vikki Bank) is listing an interest rate of 6%/year for online deposits with terms of 12 months or more.

VietABank has also maintained an online interest rate of 6%/year for a long time, applied to customers depositing money for a 36-month term.

Thus, besides HDBank, Vikki Bank and VietABank, there is currently no bank listing deposit interest rates of 6%/year or higher.

In the remaining group, GPBank is applying a close interest rate - 5.95%/year - for online deposits with terms from 1 to 36 months.

The online savings interest rate of 5.9%/year is being applied by banks such as BaoViet Bank, MBV, VietBank for term deposits from 18-36 months. In addition, VietABank is also listing this interest rate for term deposits from 12-24 months.

Since February 25, 28 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, Nam A Bank, OCB and GPBank.

In addition to reducing deposit interest rates, GPBank and Eximbank also increased deposit interest rates for some terms. OCB alone increased online deposit interest rates for all terms, except for the 4-month term.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON APRIL 21, 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 3.9 5.4 5.5 5.7 5.5
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.5 3.8 4.95 5.05 5.4 5.8
BAOVIETBANK 3.5 4.35 5.45 5.5 5.8 5.9
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 3.75 3.85 5.65 5.75 5.95 5.95
HDBANK 3.85 3.95 5.3 4.7 5.6 6.1
KIENLONGBANK 3.7 3.7 5.1 5.2 5.5 5.45
LPBANK 3.6 3.9 5.1 5.1 5.4 5.6
MB 3.7 4 4.6 4.6 5 5
MBV 4.1 4.4 5.5 5.6 5.8 5.9
MSB 3.9 3.9 5 5 5.6 5.6
NAM A BANK 3.8 4 4.9 5.2 5.5 5.6
NCB 4 4.2 5.35 5.45 5.6 5.6
OCB 3.9 4.1 5 5 5.1 5.2
PGBANK 3.4 3.8 5 4.9 5.4 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 5.6 5.8
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 4.9 5 5.3 5.5
TECHCOMBANK 3.25 3.55 4.55 4.55 4.75 4.75
TPBANK 3.5 3.8 4.8 4.9 5.2 5.5
VCBNEO 4.15 4.35 5.7 5.65 5.85 5.85
VIB 3.7 3.8 4.7 4.7 4.9 5.2
VIET A BANK 3.7 4 5.2 5.4 5.7 5.9
VIETBANK 4.1 4.4 5.4 5.4 5.8 5.9
VIKKI BANK 4.15 4.35 5.65 5.95 6 6
VPBANK 3.7 3.9 4.8 4.8 5.3 5.3
Gold price today April 21, 2025: SJC plummets, people line up to sell gold Gold price today April 21, 2025 is forecasted to decrease after reaching a new record. Domestic gold price plummeted, losing up to 6 million VND in just one day. Worried that the price will continue to fall, many people lined up to sell gold.

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-21-4-2025-nha-bang-nao-niem-yet-6-tro-len-2393322.html