Bank interest rates 2025: Slightly increasing trend at the end of the year, opportunity for high-interest savings

Since the beginning of July 2025, bank interest rates have recorded mixed fluctuations. It is forecasted that by the end of the year, interest rates may increase slightly, opening up opportunities for investors to optimize profits from savings and super-large mobilization packages.

Online interest rate promotion and "super large" deposit package

According to statistics from the State Bank, some banks such as Bac A Bank , VIB, Baoviet Bank reduced interest rates by 0.1-0.2%/year for short and medium terms. Meanwhile, VPBank and Techcombank increased interest rates by 0.1-0.2%/year, focusing on terms of 1-36 months.

Many banks apply the policy of adding interest when customers deposit money online:

Techcombank : +1%/year for deposits from 100 million VND (term 3-12 months).

SeABank : +0.5%/year with packages from 100 million VND.

In particular, banks such as ABBank and PVcomBank apply interest rates of 9-9.65%/year for deposits of 1,500-2,000 billion VND, to attract large cash flows.

Forecast of interest rate trends by the end of 2025: Possibility of slight increase

Regarding the interest rate trend in the last months of 2025, experts believe that the mobilization level may slightly increase, especially when credit is promoted. MBS Securities Company forecasts that the 12-month mobilization interest rate of major commercial banks will fluctuate around 4.7%/year this year.

Experts from VNDirect Securities Corporation also believe that 12-month deposit interest rates will fluctuate between 4.8 and 5% per year in the second half of 2025, in the context of the State Bank maintaining a policy of supporting liquidity and flexible exchange rate management.

Dragon Viet Securities Company (VDSC) believes that the State Bank will continue its controlled loose monetary policy, proactively provide liquidity through the open market and support banks in restructuring, while encouraging targeted credit packages with preferential interest rates for a number of priority sectors.

The State Bank recorded the average lending interest rate at 6.23%/year, down 0.7%/year compared to the end of 2024. However, the State Bank also noted that the interest rate level will face many pressures in the coming time, because the room for adjusting lending interest rates is currently quite limited after many sharp reductions.

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Source: https://baonghean.vn/lai-suat-ngan-hang-2025-xu-huong-tang-nhe-cuoi-nam-co-hoi-gui-tiet-kiem-lai-cao-10303203.html