Interest rates at the Big 4 banks have all increased, with the highest rate reaching 5.3% per year.

The Big4 banks, including Agribank, Vietcombank, VietinBank, and BIDV, have all increased deposit interest rates, marking a significant shift after nearly a year of maintaining stable levels.

The Big 4 firms simultaneously raised deposit interest rates.

On December 17, 2025, the financial market witnessed a significant development when all four state-owned commercial banks (the Big4 group), including Agribank , Vietcombank, VietinBank, and BIDV, simultaneously adjusted their deposit interest rates upwards. This change occurred after nearly a year of these banks maintaining stable interest rates, serving as a "benchmark" for the entire system.

Details of the new interest rate schedule at the Big4 group.

According to the latest interest rate schedule, the Big4 banks have increased interest rates across all maturities, applicable to both over-the-counter and online deposits. The sharpest increases were recorded for longer maturities.

Specifically, for the 12-month term, all four banks raised their interest rates to a common level of 5.2%/year , up from the previous range of 4.6% - 4.7%/year. For the 24-month term, the highest interest rate listed at the counter for this group is set at 5.3%/year .

At shorter maturities, the increase was also significant:

• 1-month term: Agribank increased to 2.4%/year. Vietcombank, VietinBank, and BIDV all increased to 2.1%/year.
• For a 3-month term: Agribank adjusted its rate up to 2.7%/year. The other three banks all raised their rates to 2.4%/year.
• 6-month term: Interest rates range from 3.5% to 3.8% per year within this group.

The wave of interest rate hikes is spreading.

The move by the Big4 is part of a general market trend. Since the beginning of December, a series of joint-stock commercial banks have adjusted their deposit interest rates upwards, including Nam A Bank, MB, BVBank, Saigonbank, NCB, Techcombank, ACB, Sacombank,SHB , VIB, VPBank, and PVcomBank. Of these, NCB, VPBank, Techcombank, and Cake by VPBank have increased interest rates twice in a short period.

The highest interest rate in the market.

Currently, some banks are offering exceptionally attractive interest rates, but these come with conditions requiring large deposit amounts:

• PVcomBank: Leading the way with 9% per annum for 12-13 month terms, applicable to deposits of 2,000 billion VND or more.
• Vikki Bank: Offers an interest rate of 8.4% per annum for terms of 13 months or more, with a minimum deposit of VND 999 billion.
• HDBank: Offers an interest rate of 8.1%/year for a 13-month term and 7.7%/year for a 12-month term, provided the deposit is at least VND 500 billion.

In addition, many banks continue to maintain interest rates above 6% per annum for medium and long-term deposits without requiring large minimum deposit amounts. Banks such as Bac A Bank, Cake by VPBank, Viet A Bank, VIB, and Sacombank are applying common rates ranging from 6% to 6.8% per annum for terms of 6 to 36 months. This trend indicates that deposit interest rates are remaining high and may continue to fluctuate in the near future.

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Source: https://baonghean.vn/lai-suat-big4-dong-loat-tang-cao-nhat-len-53nam-10315505.html