Which bank has the highest interest rate now?

Currently, the highest interest rates on the market are mainly concentrated in long terms, from 18-36 months.

There are up to 13 banks listing interest rates from 6%/year for a 36-month term. (Source: Gutina)

As of January 2025, there are 13 banks listing interest rates from 6%/year for 36-month terms. Only 4 banks listed these interest rates for 12-month terms.

The highest interest rate on the market today, according to public listing, is 6.8%/year, applied by Eximbank for online deposits with terms of 24-36 months.

Eximbank also leads the market in interest rates for 15 and 18 month terms, up to 6.5% and 6.6% per year, respectively.

The above interest rates are far higher than the 6.3%/year interest rate announced by the two banks behind, BVBank and MSB.

Of which, BVBank listed interest rates of 6.3%/year for online deposits with terms of 18-36 months; 6%/year for terms of 12 months and 6.2%/year for terms of 15 months.

At MSB, the interest rate of 6.3%/year is applied to online deposits for terms of 12 months, 15 months, and 24 months.

The bank interest rate of 6.2%/year is currently applied at Indovina Bank for online deposits with a term of 24-36 months; Bac A Bank for a term of 18-36 months; and BVBank for a term of 15 months.

The savings interest rate of 6.15% is only listed by GPBank with deposit terms from 15-36 months.

With a deposit interest rate of 6.1%/year, customers have many options such as: Dong A Bank and MBV (18-36 month term), Saigonbank and SHB (36 month term), or HDBank (18 month term).

Meanwhile, the 6%/year deposit interest rate is becoming more and more popular as many banks are listing it, including: HDBank (15-month term), Viet A Bank (36-month term), BaoVietBank (15-36-month term), Saigonbank (15-24 months), CBBank (12-36 months), Dong A Bank (15 months), and BVBank (6 months).

INTEREST RATES FROM 6%/YEAR OR MORE AT CURRENT BANKS
BANK	12 MONTHS	15 MONTHS	18 MONTHS	24 MONTHS	36 MONTHS
EXIMBANK	5.2	6.5	6.6	6.8	6.8
MSB	6.3	6.3	5.8	6.3	5.8
BVBANK	6	6.2	6.3	6.3	6.3
GPBANK	6.05	6.15	6.15	6.15	6.15
IVB	5.95	6.05	6.05	6.2	6.2
DONG A BANK	5.8	6	6.1	6.1	6.1
CBBANK	6	6	6	6	6
SAIGONBANK	5.8	6	6	6	6.1
BAOVIETBANK	5.8	6	6	6	6
HDBANK	5.6	6	6.1	5.5	5.5
BAC A BANK	5.8	5.9	6.2	6.2	6.2
MBV	5.8	5.8	6.1	6.1	6.1
KIENLONGBANK	5.9	5.8	5.9	5.9	6.1
VIET A BANK	5.7	5.8	5.9	5.9	6
SHB	5.5	5.6	5.8	5.8	6.1

According to statistics from the beginning of January 2025 to present, 7 banks have increased deposit interest rates including: Agribank, Bac A Bank, NCB, MBV, Eximbank, KienlongBank, VietBank.

However, NCB and Agribank also simultaneously reduced interest rates for 12-36 month terms. ABBank, SeABank, Nam A Bank, and Techcombank also reduced interest rates.

Source: https://baoquocte.vn/lai-suat-ngan-hang-nao-cao-nhat-hien-nay-300522.html