An interest rate of 6% per year is a "rare find".
Bank interest rates have shown signs of reversing and rising again since the end of March. However, 6% per annum is still a rarity, with only Orient Commercial Bank (OCB ) maintaining a 6% per annum interest rate for 36-month online deposits.
According to a survey by VietNamNet , interest rates of 5% per year or higher are still maintained by most banks at this time. However, these rates are mainly concentrated in longer terms, from 18-36 months, especially the 24-36 month term.
Meanwhile, since the end of February 2024, deposit interest rates for terms under 12 months have all been brought down to below 5% per year by banks.
Even with a 12-month deposit term, only a few banks currently maintain interest rates of 5%/year for online deposits of this term, including: VietBank (5.2%/year), Nam A Bank (5.1%/year), and a few other banks listing 5%/year interest rates including: HDBank , NCB, KienLong Bank, LPBank, Saigonbank.
Banks that have lowered deposit interest rates across all terms to below 5% include: Agribank, BIDV, Vietcombank, GPBank, MSB, Dong A Bank,ACB , Techcombank, CBBank, ABBank, SeABank, and SCB.
VietinBank is the only bank in the Big 4 group that is maintaining an interest rate of 5% per year (for terms of 24-36 months) after unexpectedly increasing it on April 16th.
HDBank is currently offering the highest deposit interest rate for the 18-month term. The online interest rate for this term is 5.9%/year. Following closely behind are: VietBank (5.8%/year), LPBank and Saigonbank (5.6%/year), NCB, KienLong Bank, Nam A Bank, and BaoViet Bank (5.5%/year).
For the 24-month term, VietBank and OCB are leading with the highest online deposit interest rates, reaching up to 5.8% per year. MB and Saigonbank are next, offering 5.7% per year for this term. LPBank also offers 5.6% per year.
For 36-month deposits, which is also the longest term at most banks, OCB is currently the only bank offering an online interest rate of 6% per annum.
The group of banks maintaining the highest deposit interest rates for this term also includes: SHB, VietBank, Saigonbank (5.8%/year), MB (5.7%/year), LPBank (5.6%/year),…
Who are these special interest rates for?
If depositing large sums of money, from several hundred billion VND upwards, depositors can choose to deposit at banks such as ABBank, MSB, Dong A Bank, ACB, HDBank, PVCombank, etc., to enjoy "special interest rates".
Specifically, ABBank's "special interest rate" is the highest in the market, reaching 9.65% per year, applicable to 13-month term deposits with a minimum savings amount of 1,500 billion VND.
PVCombank is also offering a "special interest rate" of up to 9.5% per year for customers depositing money for a term of 12-13 months, with a minimum deposit of 2,000 billion VND.
At HDBank, the "special interest rate" is 7.7% per year for a 12-month term, and 8% per year for a 13-month term. To qualify for this rate, the minimum deposit amount is 500 billion VND.
Dong A Bank is also applying a "special interest rate" policy: deposits of 200 billion VND or more, with a 13-month term, will receive an interest rate of 7.5% per year. Compared to other banks, the conditions for enjoying Dong A Bank's special policy are considered the most "lenient".
The "special interest rate" at MSB is currently 7% per annum (down 0.5 percentage points compared to the beginning of April), applicable to 13-month term deposits and with a minimum deposit amount of 500 billion VND.
The "special interest rate" at ACB is currently 5.6%/year when depositing money for a 13-month term (the regular interest rate is 4.4%/year).
Compared to other banks, ACB's "special interest rate" is nothing special. The condition set by ACB is that the deposit must be at least 200 billion VND.
In addition, some banks such as VPBank, Techcombank, SeABank, and ACB are applying a tiered interest rate policy depending on the deposit amount, or automatically adding interest for customers who deposit from 100 million VND.
| ONLINE DEPOSIT TERMS WITH INTEREST RATES STARTING FROM 5%/YEAR AS OF APRIL 19TH | ||||
| BANK | 12 MONTHS | 18 MONTHS | 24 MONTHS | 36 MONTHS |
| OCB | 4.9 | 5.4 | 5.8 | 6 |
| VIETBANK | 5.2 | 5.8 | 5.8 | 5.8 |
| SAIGONBANK | 5 | 5,6 | 5.7 | 5.8 |
| SHB | 4.9 | 5.2 | 5.5 | 5.8 |
| MB | 4.6 | 4.7 | 5.7 | 5.7 |
| LPBANK | 5 | 5,6 | 5,6 | 5,6 |
| HDBANK | 5 | 5.9 | 5.5 | 5.5 |
| NAM A BANK | 5.1 | 5.5 | 5.5 | 5.5 |
| NCB | 5 | 5.5 | 5.5 | 5.5 |
| KIENLONGBANK | 5 | 5.5 | 5.5 | 5.5 |
| BAOVIETBANK | 4.7 | 5.5 | 5.5 | 5.5 |
| BAC A BANK | 4.6 | 5.5 | 5.5 | 5.5 |
| OCEANBANK | 4.9 | 5.2 | 5.2 | 5.2 |
| EXIMBANK | 4.9 | 5.1 | 5.2 | 5.2 |
| VIET A BANK | 4.8 | 5.1 | 5.2 | 5.2 |
| VPBANK | 4.8 | 4.8 | 5.2 | 5.2 |
| PGBANK | 4.3 | 4.8 | 5.2 | 5.2 |
| TPBANK | 4.7 | 5 | 5.1 | 5.2 |
| SACOMBANK | 4.7 | 4.9 | 5 | 5.2 |
| PVCOMBANK | 4.8 | 5.1 | 5.1 | 5.1 |
| VIB | n/a | 4.8 | 5 | 5 |
| VIETINBANK | 4.7 | 4.7 | 5 | 5 |
| BVBANK | 4.65 | 5.25 | 5.35 | n/a |
Since the beginning of April 2024, a number of banks have increased deposit interest rates, including HDBank, MSB, Eximbank, NCB, VPBank, KienLong Bank, and VietinBank. You may also like  Mr. Nguyen Canh Binh: The man who brought publishing thinking into the AI era.According to Nguyen Canh Binh, founder of Alpha Books, in the age of AI, human knowledge and capabilities remain the decisive factors in creating differentiated value.  Rental housing: Opening up more housing opportunities for Hanoi residents.Hanoi's commencement of three rental housing projects marks a shift in housing development thinking, expanding opportunities for people to find affordable housing, and moving towards a balanced and sustainable real estate market.  Airbus conducts emergency inspections on 16 A380 aircraft.According to the Vietnam News Agency correspondent in France, the European Union Aviation Safety Agency (EASA) has ordered inspections of 16 Airbus A380 aircraft after discovering cracks in the wing structure of one of the world's largest passenger aircraft currently in operation. Among them, VPBank and Eximbank were the banks that increased deposit interest rates at the end of March, along with SHB and Saigonbank. Conversely, several banks have reduced deposit interest rates since the beginning of April, including Vietcombank, PGBank, SCB, Techcombank, ABBank, Dong A Bank, Viet A Bank, Eximbank, and Nam A Bank. During that period, SCB adjusted its deposit interest rates downwards twice. |
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