Bank interest rates September 8, 2025: Actual mobilization interest rates are far from listed rates

The online deposit interest rates listed at Vietnam Modern Commercial Bank (MBV ) are among the highest in the market today.

However, according to information displayed on this bank's application, the actual interest rate is higher than the interest rate publicly listed by MBV.

Accordingly, the online savings interest rate listed by MBV for a 1-month term is 4.1%/year, a 2-month term is 4.2%/year and a 3-month term is 4.4%/year.

However, the actual savings interest rate MBV pays to depositors is 0.3%-0.4%/year higher than the listed rate.

Specifically, the actual savings interest rate received when customers deposit online for a 1-month term is 4.5%/year (0.4%/year higher than the listed rate); 2-month term is 4.5%/year (0.3%/year higher); 3-month term is 4.7%/year (0.3%/year higher).

Except for the above 3 terms, actual deposit interest rates for the remaining terms remain unchanged compared to the deposit interest rates listed by MBV.

Accordingly, the interest rate for online deposits with a term of 4-5 months is 4.7%/year. This is the highest current interest rate for deposits with a term of less than 6 months.

Besides MBV, only 2 banks maintain this deposit interest rate, including Eximbank (3-5 month term when opening a savings account on weekends) and VCBNeo (5 month term).

MBV also listed online deposit interest rates for the remaining terms at market-leading levels.

Currently, the interest rate for 6-8 month term is 5.5%/year, 9 month term is 5.6%/year, 10-11 month term is 5.7%/year, 12-15 month term is 5.8%/year and the highest mobilization interest rate listed by MBV for 18-36 month term is up to 5.9%/year.

MBV, along with the other three banks in the group of banks subject to mandatory transfer – Vikki Bank, GPBank, and VCBNeo – are among the top banks in the market in terms of deposit interest rates.

Vikki Bank lists interest rates for deposits with a 1-month term at up to 4.15%/year, a 2-month term at 4.2%/year, a 3-month term at 4.35%/year, a 6-month term at 5.65%/year, a 12-month term at 5.95%/year, and terms from 13 months at 6%/year.

Vikki Bank recently announced an increase in interest rates for depositors who are customers over 80 years old (applied from September 3 to September 30), and customers working in the armed forces (from September 3 to December 31, 2025).

At VCBNeo Bank, interest rates for 1-2 month deposits reach up to 4.35%/year when depositing online. Interest rates for 3-4 month deposits also reach up to 4.55%/year, 5-month deposits are 4.7%/year; 6-7 month deposits are 5.6%/year; 8-month deposits are 5.4%/year; and 9-11 month deposits are 5.45%/year.

VCBNeo lists the interest rate for 12-month term deposits at 5.5%/year, while interest rates for deposits with terms from 13-60 months are uniformly listed at 5.55%/year.

With GPBank , the interest rate for online deposits with a term of 1-2 months is 3.95%/year, for a term of 3 months is 4.05%/year, and for a term of 4-5 months is 4.3%/year.

The interest rate for 6-8 month term deposits listed by GPBank is 5.65%/year, 9 month term is 5.75%/year and the highest interest rate is for terms from 12-36 months, up to 5.95%/year.

ONLINE DEPOSIT INTEREST RATES AT BANKS ON SEPTEMBER 8, 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
MB	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	3.1	3.8	5.3	5.4	5,6	5.4
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	5.2	5.7
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	3.6	3.9	4.8	4.8	5.3	5.5
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	4.25	5.15	4.65	5.35	4.85
TPBANK	3.7	4	4.9	5	5.3	5,6
VCBNEO	4.35	4.55	5,6	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