Interest rates on December 17th: Vietcombank significantly increases rates, the Big4 ranking changes.

On December 17, 2025, the deposit interest rate market witnessed a notable development as all four state-owned commercial banks (the Big4 group) simultaneously adjusted their rates upwards. In particular, Vietcombank rose to the top group for the first time in terms of interest rates across long-term maturities, changing a position it had maintained for many years.

Vietcombank increases interest rates by up to 0.6% per year.

According to Vietcombank's latest online deposit interest rate chart, interest rates for terms of 1-5 months have all increased by 0.5%/year. Specifically, the interest rate for 1-2 month terms is 2.1%/year , and for 3-5 month terms it is 2.4%/year .

This bank significantly increased interest rates by 0.6% per year for terms of 6 months or more. Online savings interest rates for 6-11 month terms are listed at 3.5% per year . The 12-13 month term increased to 5.2% per year , and the 24-36 month term increased to 5.3% per year . The 5.3% per year rate is now on par with Agribank and is the highest among the Big4 banks for this term.

Notably, Vietcombank also significantly increased deposit interest rates at the counter, bringing the counter interest rate schedule in line with the online savings interest rate schedule.

Agribank, BIDV , and VietinBank also joined the fray.

Agribank also aggressively increased deposit interest rates. For online channels, interest rates for 1-2 month terms increased by 0.6%/year to 3%/year ; for 3-5 month terms, they increased by 0.5%/year to 3.5%/year . Notably, interest rates for 6-9 month terms increased by an additional 1.3%/year, reaching 5%/year , the highest among the Big4 banks for these terms. Interest rates for 24-36 month terms also increased by 0.4%/year, to 5.3%/year .

At the counter, Agribank increased interest rates for terms of 1-2 months to 2.4%/year, 3-5 months to 2.7%/year, and 12-24 months to 5.2%-5.3%/year.

The other two banks, BIDV and VietinBank, also simultaneously increased deposit interest rates at their counters. Interest rates for 1-2 month terms rose to 2.1%/year and for 3-5 month terms to 2.4%/year . Interest rates for 6-9 month terms were listed at 3.5%/year , and the 12-month term increased to 5.2%/year . The 24-month term was also adjusted to 5.3%/year by both banks, matching Vietcombank and Agribank.

Thus, Vietcombank, VietinBank, and BIDV have identical interest rates at their counters. Meanwhile, Agribank's interest rates for 1-9 month terms are higher than those of the other three banks.

The trend of rising interest rates is spreading.

Since the beginning of December 2025, 24 banks have increased deposit interest rates. Among them, some banks such as NCB, VPBank, and Techcombank have adjusted their rates upwards twice.

ONLINE DEPOSIT INTEREST RATE TABLE DECEMBER 17, 2025 (%/YEAR)

BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
AGRIBANK	3.0	3.5	5.0	5.0	5.3	5.3
MB	2.6	2.9	4.0	4.0	4.7	4.8
VIETINBANK	2.4	2.8	3.9	3.9	4.7	4.7
VIETCOMBANK	2.1	2.4	3.5	3.5	5.2	5.2
ABBANK	3.1	3.8	5.3	5.4	5,6	5.4
ACB	3.6	4.0	4.7	4.8	5.4
BAC A BANK	4.55	4.55	6.5	6.5	6.55	6,7
BAOVIETBANK	4.5	4.65	5.85	5.7	6.0	6.1
BVBANK	4.4	4.7	5.5	5.7	5.8	5.95
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBank	3.9	4.0	5.55	5.65	5.85	5.85
HDBANK	4.2	4.3	5.5	5.3	5.8	6.1
KIENLONGBANK	3.9	3.9	5.4	5.1	5.7	5.45
LPBANK	4.5	4.75	6.1	6.1	6.2	6.2
MB	4.5	4.65	5.3	5.3	5.35	5.5
MSB	3.9	3.9	5.0	5.0	5,6	5,6
NAM A BANK	4.6	4.75	5.7	5,6	5.7	5.9
NCB	4.5	4.7	6.2	6.25	6.3	6.3
OCB	4.5	4.7	5.8	5.8	5.9	6.1
PGBANK	4.75	4.75	6.5	6.5	6.6	6,7
PVCOMBANK	4.75	4.75	5.8	5.8	6.1	6.8
SACOMBANK	4.6	4.75	5.3	5.5	5.8	6.0
SAIGONBANK	3.8	4.0	5.0	5.1	5.8	6.0
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	4.2	4.65	5,6	5,6	5.8	6.0
TECHCOMBANK	4.35	4.65	5.85	5.85	5.95	5.95
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VIB	4.0	4.75	5.3	5.3	6.5	5.5
VIET A BANK	3.7	4.0	5.1	5.3	5,6	5.8
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VPBANK	4.75	4.75	6.0	6.0	6.0	6.0