BIDV bank interest rates October 2025

BIDV bank deposit interest rates for October 2025 are latest updated, ranging from 1.6% to 4.8%/year, applied to individual customers depositing at the counter.

Savings interest rates applied to new individual customers in October 2025

In October 2025, Vietnam Joint Stock Commercial Bank for Investment and Development ( BIDV ) announced the deposit interest rate schedule for individual customers at the counter, ranging from 1.6% to 4.8%/year.

Specifically, short-term deposits of 1-2 months apply an interest rate of 1.6%/year. For 3-month and 5-month terms, the bank applies an interest rate of 1.9%/year.

BIDV bank deposit interest rates for October 2025 are latest updated

In the medium term group, customers who deposit for 6 or 9 months enjoy an interest rate of 3%/year. BIDV is applying an interest rate of 4.7%/year for deposits with a term of 12 - 18 months.

With long-term deposit packages from 24 - 36 months, the highest interest rate currently reaches 4.8%/year. This is the choice that many people are interested in when comparing savings interest rates between banks to optimize idle capital.

Savings interest rate table at BIDV September 2025 for individual customers:

Term	Interest rate
No term	0.10%
1 month	1.6%
2 Months	1.6%
3 Months	1.9%
5 Months	1.9%
6 Months	3.0%
9 Months	3.0%
12 Months	4.70%
13 Months	4.70%
15 Months	4.70%
18 Months	4.70%
24 Months	4.80%
36 Months	4.80%

Source: BIDV

Interest rate table for individual customers depositing money online at BIDV

Term	Interest rate
1 week	0.3%
2 weeks	0.3%
3 weeks	0.3%
1 month	2.0%
2 Months	2.0%
3 Months	2.3%
4 months	2.3%
5 Months	2.3%
6 Months	3.3%
9 Months	3.3%
11 Months	3.3%
12 Months	4.70%
13 Months	4.70%
15 Months	4.70%
18 Months	4.70%
24 Months	4.90%
36 Months	4.90%

Source: BIDV

Deposit interest rates applicable to businesses:

Term	VND
No term	0.20%
1 month	1.60%
2 months	1.60%
3 months	1.90%
4 months	1.90%
5 months	1.90%
6 months	2.90%
7 months	2.90%
8 months	2.90%
9 months	2.90%
10 months	2.90%
11 months	2.90%
12 months	4.20%
24 months	4.20%
36 months	4.20%
48 months	4.20%

The method for calculating savings interest rates at BIDV is applied according to the following formula:

Interest = (Deposit amount x interest rate (%/year) x Number of months of deposit) / 12 (months)

or apply the formula based on the date sent:

Interest = (Deposit amount x interest rate (%/year) x Actual number of days deposited)/ 360 (days)

When you want to close your savings account, you need to pay attention to the maturity date. If you close your savings account, withdraw the principal and interest before the maturity date in the savings contract, you will only receive the interest rate for non-term deposits.

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Source: https://baonghean.vn/lai-suat-ngan-hang-bidv-thang-10-2025-10308423.html