Big4 firms raise interest rates across the board, Vietcombank's position changes.

On December 17th, the Big4 banks simultaneously increased deposit interest rates. Vietcombank attracted attention by significantly raising rates for longer terms, rising to the top group in terms of interest rates after many years.

On December 17, 2025, the market witnessed a simultaneous increase in deposit interest rates from all four state-owned commercial banks (Big4), including Agribank , Vietcombank, BIDV, and VietinBank. Most notably, Vietcombank, which had maintained low interest rates for many years, made a significant adjustment.

Vietcombank surprises with a sharp increase.

Vietcombank has increased interest rates for both over-the-counter and online deposits. According to the new online deposit interest rate schedule, 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 now 2.1%/year and for 3-5 month terms is 2.4%/year.

This bank saw a more significant increase, with a 0.6% annual increase for terms from 6-24 months. Online savings interest rates for 6-11 month terms are listed at 3.5% per year. Longer terms saw substantial changes: 12-13 month terms increased to 5.2% per year and 24-36 month terms increased to 5.3% per year. At 5.3% per year, Vietcombank is now on par with Agribank and has become one of the banks with the highest interest rates among the Big4 for long-term deposits.

Developments at other banks

Agribank leads in several short-term maturities.

Agribank also adjusted deposit interest rates upwards. For online channels, interest rates for 1-2 month terms increased by 0.6%/year to 3.0%/year; for 3-5 month terms, they increased by 0.5%/year to 3.5%/year. Notably, Agribank significantly increased interest rates by 1.3%/year for 6-9 month terms, bringing the rate to 5.0%/year, the highest among the Big4 banks for these terms. Interest rates for 24-36 month terms were also increased by 0.4%/year, to 5.3%/year.

BIDV and VietinBank made similar adjustments.

BIDV and VietinBank also simultaneously increased deposit interest rates at their counters, after having previously adjusted rates for online channels. Interest rates for 1-5 month terms increased by 0.5%/year , to 2.1% (1-2 months) and 2.4% (3-5 months). Interest rates for 6-9 month terms were listed at 3.5%/year, while the 12-month term increased to 5.2%/year. The highest interest rate of 5.3%/year was applied to the 24-month term, matching that of Vietcombank and Agribank.

In general, Vietcombank, VietinBank, and BIDV have identical interest rates at their counters. Meanwhile, Agribank maintains higher interest rates for terms from 1 to 9 months.

General market trends

Since the beginning of December, 24 banks have increased deposit interest rates. Some banks, such as NCB, VPBank, and Techcombank, have adjusted their rates twice, indicating a widespread upward trend in the market.

Online deposit interest rate table for reference as of 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	But
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

Source: https://baodanang.vn/lai-suat-big4-dong-loat-tang-vietcombank-thay-doi-vi-the-3315246.html