In addition to the ladder interest rate policy, some banks offer a policy of giving additional deposit interest rates to customers for certain terms.

Among them, Techcombank, VPBank or SeABank , although not paying the highest deposit interest rates, are flexible banks in attracting deposits.

Specifically, Techcombank adds up to 1%/year interest rate when saving from 100 million VND for 3, 6, 12 months when customers choose Phat Loc Online savings package.

Interest rates for 3, 6, and 12-month terms at Techcombank are listed at 3.75%, 4.65%/year, and 4.85%/year, respectively.

If meeting the criteria set by the bank, customers who make online savings deposits for a term of 3 months at Techcombank will enjoy an interest rate of up to 4.75%/year, equal to the ceiling interest rate prescribed by the State Bank for deposits with a term of less than 6 months.

Similarly, interest rates for 6-month and 12-month deposits will also be increased to 5.65%/year and 5.85%/year respectively after adding 1%/year to the bank interest rate.

At SeABank , customers will receive an interest rate incentive of up to 0.5%/year when making online savings deposits for 6-month, 12-month and 13-month terms, with a deposit amount of 100 million VND or more.

According to the online interest rate schedule for receiving interest at the end of the term applied by SeABank to individual customers, the 6-month term interest rate is 3.95%/year, the 12-month term interest rate is 4.7%/year.

With an additional interest rate of up to 0.5%/year, the 6-month term bank interest rate at SeABank is 4.45%/year, the 12-month term bank interest rate is 5.2%/year.

At VPBank , customers in the Private segment who deposit for a minimum term of 1 month will enjoy an interest rate determined by the corresponding interest rate on the mobilization interest rate table plus the following interest rate:

For deposits from 100 million VND to less than 500 million VND, the additional interest rate is 0.1%/year; for deposits from 500 million VND or more, the additional interest rate is 0.3%/year.

Customers in the priority deposit segment with a minimum balance of VND 100 million and a minimum term of 1 month will enjoy a savings interest rate equal to the corresponding interest rate on the current mobilization interest rate table and an additional 0.1%/year from VPBank.

Middle-class customers (potential customers) who deposit money with a minimum balance of VND 50 million and a minimum term of 1 month will also enjoy a savings interest rate, determined by the corresponding savings interest rate on the current mobilization interest rate table plus an interest rate from 0.03 to 0.08%/year, applied to different categories.

In addition, the additional interest rate is also applied to customers participating in the Priority Family Banking service for new deposits, with a minimum balance of VND 100 million and a minimum term of 1 month at VPBank.

In the latest move on interest rates, VPBank has just become the second bank in July to increase savings interest rates by 0.1% per year for deposit terms from 1-36 months.

Accordingly, the highest savings interest rate at VPBank is currently listed at 5.3%/year with a deposit term of 24-36 months (not including interest for priority customers).

In addition to adding deposit interest rates, some banks such as Bac A Bank, ACB, Eximbank, VPBank,... also have a tiered deposit interest rate policy. Accordingly, the more money customers deposit, the more preferential interest rates they will enjoy. The interest rate difference between deposit levels ranges from 0.1-0.3%/year.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON JULY 10, 2025 (%/YEAR)
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
AGRIBANK 2.4 3 3.7 3.7 4.8 4.8
BIDV 2 2.3 3.3 3.3 4.7 4.7
VIETINBANK 2 2.3 3.3 3.3 4.7 4.7
VIETCOMBANK 1.6 1.9 2.9 2.9 4.6 4.6
ABBANK 3.2 3.9 5.4 5.5 5.7 5.5
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.8 4.1 5.25 5.35 5.5 5.8
BAOVIETBANK 3.5 4.35 5.45 5.5 5.8 5.9
BVBANK 3.95 4.15 5.15 5.3 5.6 5.9
EXIMBANK 4.3 4.5 4.9 4.9 5.1 5.6
GPBANK 3.95 4.05 5.65 5.75 5.95 5.95
HDBANK 3.85 3.95 5.3 5.3 5.6 6.1
KIENLONGBANK 3.7 3.7 5.1 5.2 5.5 5.45
LPBANK 3.6 3.9 5.1 5.1 5.4 5.4
MB 3.5 3.8 4.4 4.4 4.9 4.9
MBV 4.1 4.4 5.5 5.6 5.8 5.9
MSB 3.9 3.9 5 5 5.6 5.6
NAM A BANK 3.8 4 4.9 5.2 5.5 5.6
NCB 4 4.2 5.35 5.45 5.6 5.6
OCB 3.9 4.1 5 5 5.1 5.2
PGBANK 3.4 3.8 5 4.9 5.4 5.8
PVCOMBANK 3.3 3.6 4.5 4.7 5.1 5.8
SACOMBANK 3.3 3.6 4.9 4.9 5.4 5.6
SAIGONBANK 3.3 3.6 4.8 4.9 5.6 5.8
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 3.5 3.8 4.9 5 5.3 5.5
TECHCOMBANK 3.45 3.75 4.65 4.65 4.85 4.85
TPBANK 3.5 3.8 4.8 4.9 5.2 5.5
VCBNEO 4.15 4.35 5.4 5.45 5.5 5.55
VIB 3.7 3.8 4.7 4.7 4.9 5.2
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 4.15 4.35 5.65 5.65 5.95 6
VPBANK 3.7 3.8 4.7 4.7 5.2 5.2

Source: https://vietnamnet.vn/lai-suat-ngan-hang-10-7-2025-loat-nha-bang-tang-them-lai-suat-2420019.html