Online deposit interest rates, interest received at the end of the term at ACB apply to 4 deposit levels including: under 200 million VND, from 200 million VND to under 1 billion VND, from 1 billion VND to under 5 billion VND and from 5 billion VND or more.

For deposits under 200 million VND, 1-month term has interest rate of 3.1%/year, 2-month term 3.2%/year, 3-month term 3.5%/year, 6-month term 4.2%/year, 9-month term 4.3%/year and 12-month term 4.9%/year.

Deposits from 200 million VND to under 1 billion VND have interest rates 0.1% higher per year than deposits under 200 million VND. Interest rates for the remaining two levels increase by 0.05% per year, respectively.

Thus, the highest savings interest rate at ACB is 5.1%/year when customers deposit for a 12-month term from 5 billion VND.

ACB currently applies the highest interest rate at the counter of 4.7%/year for 18-month term. The bonus interest rate for savings deposits at the counter from 200 million VND to under 1 billion VND is 0.1%/year, from 1 billion VND to under 5 billion VND is 0.15%/year and from 5 billion VND or more is 0.2%/year.

In addition, this bank also applies a "special interest rate" policy of 6%/year when customers deposit savings for a 13-month term with a deposit balance of 200 billion VND or more.

Bac A Bank maintains a ladder interest rate policy when issuing regulations on mobilization interest rates for two deposit levels: under 1 billion VND and over 1 billion VND.

For deposits under 1 billion VND, the interest rate for 1-2 month terms is 3.6%/year, 3 months 3.9%/year, 4 months 4%/year, 5 months 4.1%/year, 6-8 months 5.05%/year, 9-11 months 5.15%/year, 12 months 5.6%/year, 13 months 5.7%/year. The 18-36 month term has the highest interest rate, up to 6%/year.

Bac A Bank adds 0.2%/year to all terms when customers deposit over 1 billion VND. Therefore, the highest deposit interest rate listed by this bank is 6.2%/year, applied for terms of 18-36 months.

At Eximbank , in addition to the highest online deposit interest rates of up to 6.6%/year (24-36 months), 6.5%/year (18 months) and 6.2%/year (15 months), this bank also applies a ladder interest rate for customers depositing savings at the counter according to 4 limits: Silver account (equal to a regular account), Gold, Platinum, Infinite.

The interest rate for deposits at the counter for Silver accounts with terms of 1-2 months and 4-5 months is 3.5%/year, 3 months 3.4%/year, 6 months 5.2%/year, 9 months 4.3%/year, 12 months 5.4%/year, 15 months 5.6%/year, 18 months 5.7%/year, 24 months 5.8%/year, 36 months 5.1%/year.

Compared to Silver deposit accounts, the interest rate for Gold accounts is 0.3% higher for 6-month terms and 0.4% higher per year for the remaining terms.

Interest rates for Platinum accounts are 0.3% higher per year for 6-month terms and 0.5% higher per year for other terms.

The highest interest rate for savings deposits with Infinite deposit accounts is 0.5%/year higher than Silver accounts for a 6-month term (equivalent to 5.7%/year). The interest rate for 12-month term deposits is 0.7%/year higher (equivalent to 6.1%/year).

The deposit interest rate for the remaining terms for Infinite accounts is 0.8%/year higher than that of Silver accounts. Therefore, the highest deposit interest rate is up to 6.6%/year (24-month term), the 12, 15, 18-month terms are 6.1% - 6.4% - 6.5%/year respectively.

Orient Commercial Bank ( OCB ) also applies a ladder interest rate for customers making online savings deposits, with 3 deposit levels under 100 million VND, from 100 million VND to 500 million VND and over 500 million VND.

The interest rate difference between deposit levels is from 0.05-0.3%/year, except for the 21-36 month term where there is no difference.

Specifically, the online interest rate for deposits under 100 million VND for a term of 1 month is 4%/year, 2 months is 4.1%/year, 3-4 months is 4.2%/year, 5 months is 4.6%/year, 6-11 months is 5.2%/year, 12-15 months is 5.3%/year, 18 months is 5.5%/year, 21 months is 5.6%/year, 24 months is 5.7%/year, and 36 months is 5.9%/year.

The highest savings interest rate applied by OCB for deposits from 500 million VND or more, 1 month term is 4.5%/year, 25 months 4.65%/year, 6-11 months 5.5%/year, 12-21 months 5.6%/year, 24 months 5.7%/year and 36 months 5.9%/year.

Techcombank applies interest rates for three levels of deposits: under VND1 billion, from VND1 billion to under VND3 billion and from VND3 billion. The interest rate difference between the limits is 0.2%/year.

For online deposit accounts under 1 billion VND, the interest rate for 1-2 months is 3.35%/year, 3-5 months is 3.65%/year, 6-11 months is 4.65%/year. The interest rate for 12-36 months remains at 4.85%/year.

With online deposits from 1 billion VND to under 3 billion VND, interest rate for 1-2 month term is 3.45%/year, 3-5 months is 3.75%/year, 6-11 months is 4.7%/year, 12-36 months is 4.9%/year.

For online deposit accounts of 3 billion VND or more, the interest rate for 1-2 month terms is 3.55%/year, 3-5 months 3.85%/year, 6-11 months 4.75%/year. The highest listed savings interest rate is 4.95%/year, applicable for terms of 12-36 months.

Techcombank also has a policy of adding 0.5%/year interest rate for the first deposit account with terms of 3, 6 and 12 months. Therefore, the highest mobilization interest rate at Techcombank in reality can be higher than 5%/year.

In addition, the interest rate for priority customers with increased deposit balance will be added 0.3%/year interest rate when depositing for a term of 3-5 months.

At VPBank , online deposit interest rates are also being applied to 4 deposit levels including: under 3 billion VND, from 3 billion VND to under 10 billion VND, from 10 billion VND to under 50 billion VND, from 50 billion VND.

Online deposit interest rates applied to deposit accounts under 3 billion VND with a term of 1 month are 3.8%/year, 2-5 months 4%/year, 6-11 months 5%/year, 12-18 months 5.5%/year, 24-36 months 5.6%/year.

VPBank applies the same interest rate schedule for deposit accounts from 3 billion VND to under 10 billion VND as above. The difference only occurs in the 24-36 month term with the listed interest rate of 5.7%/year.

For deposits from 10 billion VND to under 50 billion VND, interest rate for 1-month term is 3.9%/year, 2-5 months is 4.1%/year, 6-11 months is 5.1%/year, 12-18 months is 5.6%/year, 24-36 months is 5.8%/year.

VPBank's interest rate for deposits of VND50 billion or more is 0.1% higher per year than for terms of 1-11 months. However, there is no change in interest rates for deposits of 12-36 months.

VPBank also adds 0.1%/year for priority customers with a minimum balance of 100 million VND when depositing for at least 1 month. Therefore, the highest mobilization interest rate at VPBank can be up to 5.9%/year compared to the listed interest rate.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON FEBRUARY 8, 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 4 5.5 5.6 5.8 5.6
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.6 3.9 5.05 5.15 5.6 6
BAOVIETBANK 3.3 4.35 5.45 5.5 5.8 6
BVBANK 3.95 4.15 5.45 5.75 6.05 6.35
DONGA BANK 4.1 4.3 5.55 5.7 5.8 6.1
EXIMBANK 4.1 4.4 5.4 5.4 5.6 6.5
GPBANK 3.5 4.02 5.35 5.7 6.05 6.15
HDBANK 3.85 3.95 5.3 5.7 5.6 6.1
IVB 4 4.35 5.35 5.35 5.95 6.05
KIENLONGBANK 4.3 4.3 5.8 5.8 6.1 6.1
LPBANK 3.6 3.9 5.1 5.1 5.5 5.8
MB 3.7 4 4.6 4.6 5.1 5.1
MBV 4.3 4.6 5.5 5.6 5.8 6.1
MSB 4.1 4.1 5 5 6.3 5.8
NAM A BANK 4.3 4.5 5 5.2 5.6 5.7
NCB 4.1 4.3 5.45 5.55 5.7 5.7
OCB 4 4.2 5.2 5.2 5.3 5.5
PGBANK 3.4 3.8 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 3.95 4.15 4.7 5.45
SHB 3.5 3.8 5 5.1 5.5 5.8
TECHCOMBANK 3.35 3.65 4.65 4.65 4.85 4.85
TPBANK 3.7 4 4.8 5.3 5.5
VCBNEO 4.15 4.35 5.85 5.8 6 6
VIB 3.8 3.9 4.9 4.9 5.3
VIET A BANK 3.7 4 5.2 5.4 5.7 5.9
VIETBANK 4.2 4.4 5.4 5 5.8 5.9
VPBANK 3.8 4 5 5 5.5 5.5