According to VietNamNet's statistics on interest rates for 3, 6 and 12-month terms at commercial banks in the first two months of 2025, as of March 1, 10 banks increased and 8 banks decreased interest rates for 3-month terms; 9 banks increased and 5 banks decreased interest rates for 6-month terms; 7 banks increased and 8 banks decreased interest rates for 12-month terms.

Among the banks that increased interest rates, 5 banks increased deposit interest rates for all 3 terms.

On the contrary, only two banks reduced deposit interest rates for all three terms: SeABank and Bac A Bank.

Kienlongbank is the champion of 3-month term

Statistics for 3-month online deposit interest rates show that the strongest increase belongs to Kienlongbank when adjusting interest rates to increase by 0.8%/year (up to 4.1%/year) compared to the beginning of the year.

Saigonbank is also a bank that has strongly increased its 3-month savings interest rate, with an increase of 0.6%/year to 3.6%/year.

The 3-month term interest rate at VietBank also increased significantly by 0.3%/year, up to 4.4%/year for customers making online savings deposits.

MBV and VPBank both increased interest rates by 0.2%/year for this term deposit.

Eximbank, Vikki Bank, Agribank, BVBank, NCB are banks that have increased 0.1%/year for 3-month deposit interest rates.

In fact, Eximbank, Vikki Bank and BVBank have adjusted their deposit interest rates down in the past two months.

On the contrary, ABBank and SeABank are the two banks that reduced interest rates the most in the first two months of the year for the 3-month term, by 0.45% and 0.35% per year, respectively.

In addition, Bac A Bank, TPBank, Nam A Bank and MSB have reduced interest rates by 0.2%/year for this term.

The remaining two banks that reduced 3-month interest rates in the first two months of the year were VIB and Techcombank, with a reduction of 0.1%/year at both banks.

Which bank has the highest 6-month deposit interest rate?

Statistics on Interest rate developments for 6-month savings , with an increase of 0.4%/year to 5.4%/year, Kienlongbank continues to lead in interest rate increases for this term.

BaoVietBank ranked second with an increase of 0.25%/year.

VietBank and VPBank's 6-month savings interest rates both increased by 0.2% per year; while the remaining banks, Techcombank, Agribank, MBV, and Vikki Bank, all increased their interest rates by 0.1% per year.

On the contrary, SeABank continues to be the bank with the strongest reduction in deposit interest rates for 6-month terms, with a reduction of 0.55%/year.

ABBank decreased by 0.4%/year, while the decrease at the remaining 3 banks including Bac A Bank, VIB and BVBank was 0.2%/year, 0.1%/year, and 0.05%/year, respectively.

A series of banks have high 12-month deposit interest rates

For 12-month term deposit interest rates , Kienlongbank continues to lead the market in terms of interest rate increases. Compared to the beginning of 2025, the 12-month term bank interest rate when depositing money at this bank has increased by 0.4%/year.

Although Eximbank has just experienced three consecutive interest rate cuts, its current interest rate is still 0.3% higher per year than at the beginning of the year.

VietBank and VPBank both increased interest rates by 0.2% per year for 12-month deposits, while Vikki Bank and Viet A Bank both increased by 0.1% per year.

On the contrary, the trend of decreasing deposit interest rates for 12-month terms is overwhelming, in which SeABank continues to lead with a decrease of 0.3%/year.

ABBank, BVBank, MSB, and Bac A Bank all reduced 12-month deposit interest rates by 0.2% per year.

Agribank, TPBank, NCB and VIB are the remaining banks with lower deposit interest rates compared to the beginning of the year, a decrease of 0.1%/year.

INTEREST RATE DEVELOPMENTS ONLINE FOR TERMS 3 - 6 - 12 MONTHS FROM 1/1 TO 28/2/2025
BANK 3 MONTHS 6 MONTHS 12 MONTHS
28/2 +/- 28/2 +/- 28/2 +/-
KIENLONGBANK 4.1 0.8 5.4 0.4 5.7 0.4
SAIGONBANK 3.6 0.6 4.8 0 5.6 0
VIETBANK 4.4 0.3 5.4 0.2 5.8 0.2
VPBANK 4 0.2 5 0.2 5.5 0.2
MBV 4.6 0.2 5.5 0.1 5.8 0
EXIMBANK 4.4 0.1 5.3 0.1 5.5 0.3
VIKKI BANK 4.4 0.1 5.6 0.1 5.9 0.1
BVBANK 4.15 0.1 5.35 -0.05 5.8 -0.2
AGRIBANK 3 0.1 3.7 0.1 4.7 -0.1
NCB 4.3 0.1 5.45 0 5.7 -0.1
VIET A BANK 4 0 5.2 0 5.8 0.1
BAOVIETBANK 4.35 0 5.45 0.25 5.8 0
ACB 3.5 0 4.2 0 4.9 0
BIDV 2.3 0 3.3 0 4.7 0
GPBANK 4.02 0 5.35 0 6.05 0
HDBANK 3.95 0 5.3 0 5.6 0
IVB 4.35 0 5.35 0 5.95 0
LPBANK 3.9 0 5.1 0 5.5 0
MB 4 0 4.6 0 5.1 0
OCB 4.2 0 5.2 0 5.3 0
PGBANK 3.8 0 5 0 5.5 0
PVCOMBANK 3.6 0 4.5 0 5.1 0
SACOMBANK 3.6 0 4.9 0 5.4 0
SCB 1.9 0 2.9 0 3.7 0
SHB 3.8 0 5 0 5.5 0
VCBNEO 4.35 0 5.85 0 6 0
VIETCOMBANK 1.9 0 2.9 0 4.6 0
VIETINBANK 2.3 0 3.3 0 4.7 0
TECHCOMBANK 3.65 -0.1 4.65 0.1 4.85 0
VIB 3.8 -0.1 4.8 -0.1 4.9 -0.1
MSB 3.9 -0.2 5 0 5.6 -0.2
NAM A BANK 4.5 -0.2 5 0 5.6 0
TPBANK 3.8 -0.2 4.8 0 5.2 -0.1
BAC A BANK 3.8 -0.2 4.95 -0.2 5.4 -0.2
SEABANK 3.45 -0.35 3.95 -0.55 4.7 -0.3
ABBANK 4 -0.45 5.5 -0.4 5.8 -0.2