Deposit interest rates as of December 15th: PVCombank increases to 8.3%/year.

The highest deposit interest rate reached 8.3%/year at PVCombank.

According to the interest rate schedule published on December 15, 2025, Vietnam Public Commercial Bank (PVCombank) has significantly increased deposit interest rates across all maturities. Notably, the effective interest rate for individual customers can reach up to 8.3% per year , the highest rate on the market in over two years.

An interest rate of 8.3% per annum is applied to online deposits with terms of 15-36 months, provided customers meet the conditions of the promotional program. Specifically, the bank adds 1.5% per annum for customers who deposit 100 million VND or more online, with a term of 12 months or longer, on Fridays in December.

Excluding any special offers, the official listed interest rate for 15-36 month terms is 6.8% per annum, which is also among the highest in the market.

Details of interest rate increases at PVCombank

PVCombank has simultaneously increased interest rates for both online and over-the-counter deposits. The specific adjustments are as follows:

1-5 month terms (online): The listed interest rate is 4.75%/year. Compared to before, the 1-month term increased by 0.8%/year, the 2-month term increased by 0.7%/year, and the 3-5 month terms increased from 0.45% to 0.65%/year.
For terms of 6-11 months (online): The new interest rate is 5.8% per annum, an increase of 0.6% per annum.
For terms of 12 months or more (online): The listed interest rate exceeds 6%/year after an increase of 0.5%/year. Specifically, the rate for a 12-month term is 6.1%/year, for a 13-month term is 6.3%/year, and for 15-36 month terms is 6.8%/year.
Interest rates at the counter: Rates are 0.3-0.5% lower per year than online channels. For terms of 1-5 months, the rate is 4.75% per year, for 6-11 months it is 5.5% per year, and the highest rate is 6.3% per year for terms of 15-36 months.

In addition, PVCombank continues to maintain its special interest rate policy of 9% per year for deposits of 2,000 billion VND or more with a term of 12-13 months.

Interest rate market outlook for December

PVCombank is the 18th bank to increase deposit interest rates since the beginning of December 2025, indicating a widespread upward trend. Some banks such as NCB, VPBank, and Techcombank have even adjusted rates upwards twice this month.

According to the published interest rate schedule, currently only Bac A Bank offers higher interest rates than PVCombank for certain terms.

Online deposit interest rate table of banks as of December 15, 2025

BANK	1 MONTH (%/YEAR)	3 MONTHS (%/YEAR)	6 MONTHS (%/YEAR)	9 MONTHS (%/YEAR)	12 MONTHS (%/YEAR)	18 MONTHS (%/YEAR)
AGRIBANK	2.4	3	3.7	3.7	4.8	4.8
MB	2.6	2.9	4	4	4.7	4.8
VIETINBANK	2.4	2.4	3.9	3.9	4.7	4.7
ABBANK	3.1	3.8	3.8	5.4	5,6	5.4
ACB	3.6	4	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	5.65	5.5	5.8	5.9
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	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	3.9	4.2	5,6	5,6	5.65	5.65
MB	4.5	4.65	5.3	5.3	5.35	5.5
MBV	4.6	4.75	5.7	5.7	6	6
MSB	3.9	3.9	5	5	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	6	6
SAIGONBANK	3.8	4	5	5.1	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	4.2	4.65	5,6	5,6	5.8	6
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
VCBNEO	4.75	4.75	6.2	5.45	6.2	6.2
VIB	4	4.75	5.3	5.3	6.5	5.5
VIET A BANK	3.7	4	5.1	5.3	5,6	5.8
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VIKKI BANK	4.7	4.7	6.5	6.5	6.6	6,7
VPBANK	4.75	4.75	6	6	6	6

Reference online deposit interest rate table at banks as of December 15, 2025 (Unit: %/year). Interest rates may change depending on the policy of each bank.

Source: https://baolamdong.vn/lai-suat-huy-dong-1512-pvcombank-tang-len-moc-83nam-410627.html