The highest deposit interest rates currently offered by banks are 6.1% per year, applicable to online deposits with a 12-month term at HDBank , a 36-month term at Saigonbank, and 18-36 month terms at OceanBank and NCB.

In addition, ABBank also offers a deposit interest rate of 6% per year for 12-month term deposits; Saigonbank offers it for 18-24 month term deposits; and BVBank and BaoViet Bank offer it for 18-36 month term deposits.

In addition, some banks continue to maintain a policy of "special interest rates" for customers depositing large sums of money.

PVCombank is leading the market in offering "special interest rates" for customers depositing money at the counter, with a rate of 9.5% for 12-13 month terms, the highest rate currently available on the market.

However, the condition to be paid interest rate up to 9.5%/year is that customers must have a minimum deposit balance of 2,000 billion VND.

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In addition to PVCombank, some other banks such as DongA Bank,ACB , MSB,... are also maintaining special interest rates.

At MSB, the special interest rate has been reduced from 8.5%/year to 7%/year, provided that customers have a minimum deposit balance of VND 500 billion and deposit for a term of 12-13 months.

However, MSB also applies a "special interest rate" policy for "ordinary" customers, allowing depositors to receive a higher actual interest rate of 0.3-0.5% per year compared to the online deposit interest rate announced by the bank.

Specifically, MSB lists the interest rate for its online term deposit product "special interest rate" at 5.1%/year for a 6-month term, and 5.7%/year for 12-month, 15-month, and 24-month terms.

HDBank listed "special interest rates" for 13-month term deposits at up to 8.1%/year, and 12-month term deposits at 7.7%/year. These interest rates are 2.3%-2.5%/year higher than the counter interest rates applied to regular customers. The condition to receive the above interest rates is that customers deposit at least VND500 billion and receive interest at the end of the term.

Dong A Bank is also one of the banks that pays a “special interest rate” of up to 7.5%/year for 13-month term deposits, 2.2%/year higher than the normal mobilization interest rate listed by this bank. Depositors only need to have a deposit balance of 200 billion VND or more.

The deposit limit of 200 billion VND is also a condition for ACB Bank to allow customers to enjoy a "special interest rate" when making a 13-month deposit at the counter. However, this interest rate is lower than the normal interest rate at many other banks, only at 5.9%/year and 5.7%/year if choosing to receive interest at the beginning of the term.

ONLINE DEPOSIT INTEREST RATE CHART AT BANKS ON AUGUST 27, 2024
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
AGRIBANK 1.8 2.2 3.2 3.2 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 5.7
ACB 3 3.4 4.15 4.2 4.8
BAC A BANK 3.5 3.8 5 5.1 5.6 5.75
BAOVIETBANK 3.3 4 5.2 5.4 5.8 6
BVBANK 3.7 3.8 5.1 5.5 5.8 6
CBBANK 3.8 4 5.55 5.5 5.7 5.85
DONG A BANK 3.6 3.6 4.9 4.9 5.3 5.2
EXIMBANK 3.5 4.3 5.2 4.5 5.4 5.1
GPBANK 3 3.52 4.85 5.2 5.75 5.85
HDBANK 3.55 3.55 5.1 4.7 5.5 6.1
KIENLONGBANK 3.7 3.7 5.2 5.3 5.6 5.7
LPBANK 3.4 3.5 4.7 4.8 5.1 5.6
MB 3.3 3.7 4.4 4.4 5.1 5
MSB 3.7 3.7 4.6 4.6 5.4 5.4
NAM A BANK 3.5 4.1 5 5.2 5.6 5.7
NCB 3.7 4 5.35 5.55 5.7 6.1
OCB 3.7 3.9 4.9 5 5.2 5.4
OCEANBANK 3.4 3.8 4.8 4.9 5.5 6.1
PGBANK 3.2 3.7 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 3.75 3.95 4.5 5.45
SHB 3.5 3.8 5 5.1 5.5 5.8
TECHCOMBANK 3.25 3.45 4.55 4.55 4.95 4.95
TPBANK 3.5 3.8 4.7 5.2 5.4
VIB 3.2 3.5 4.6 4.6 5.1
VIET A BANK 3.4 3.7 4.8 4.8 5.4 5.7
VIETBANK 3.6 3.8 5.2 5 5.6 5.9
VPBANK 3.6 3.8 5 5 5.5 5.5

According to statistics from the beginning of August until now, 15 banks have increased deposit interest rates, including: Agribank, Eximbank, HDBank, Sacombank, Saigonbank, TPBank, CB, VIB, DongA Bank, VPBank, Techcombank, VietBank, SHB, PVCombank, and Nam A Bank. Of these, Sacombank, VietBank, DongA Bank, and Techcombank have increased interest rates twice.

Conversely, Bac A Bank, SeABank, and OCB were among the banks that unexpectedly reduced deposit interest rates during this period, with SeABank having already lowered interest rates twice.