BIDV Bank Interest Rates August 2025: Long-term deposits receive 4.8%/year, short-term savings interest rates remain low

Savings interest rates applied to new individual customers in August 2025

In early August 2025, the Joint Stock Commercial Bank for Investment and Development of Vietnam ( BIDV ) announced a new interest rate schedule for individual customers depositing savings at the counter. Interest rates range from 1.6% to 4.8%/year, depending on the specific term and deposit amount.

In the short-term group, deposits from 1 to 2 months are currently being applied an interest rate of 1.6%/year. If customers choose a term of 3 or 5 months, the interest rate will increase slightly to 1.9%/year - suitable for short-term accumulation needs.

BIDV becomes the runner-up in capitalization of Vietnam's stock market, — BIDV announces the latest bank deposit interest rate schedule for August 2025, highest at 4.8%/year

BIDV applies an interest rate of 3%/year for medium-term terms such as 6 months and 9 months. For longer terms, specifically from 12 to 18 months, customers can receive an interest rate of 4.7%/year - the current common rate in the state-owned banking system.

For long-term deposits from 24 to 36 months, BIDV is listing a maximum interest rate of 4.8%/year. This is also the highest rate in the bank's counter savings interest rate table in August 2025, helping depositors optimize yields when investing long-term.

BIDV savings interest rate table for August 2025 for individual customers:

Term	USD	VND
No term	%	0.1%
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	%	4.7%
13 Months	%	4.7%
15 Months	%	4.7%
18 Months	%	4.7%
24 Months	%	4.8%
36 Months	%	4.8%

Deposit interest rates applicable to businesses:

Term	VND	EUR	USD
1 month	1.60%	0.5%	0%
2 months	1.60%	0.5%	0%
3 months	1.90%	0.5%	0%
4 months	1.90%	0.5%	0%
5 months	1.90%	0.5%	0%
6 months	2.90%	0.5%	0%
7 months	2.90%	0.5%	0%
8 months	2.90%	0.5%	0%
9 months	2.90%	0.5%	0%
10 months	2.90%	0.5%	0%
11 months	2.90%	0.5%	0%
12 months	4.20%	0.5%	0%
24 months	4.20%	0.5%	0%
36 months	4.20%	0.5%	0%
48 months	4.20%	0.5%	0%
60 months	4.20%	0.5%	0%

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 of the non-term deposit.

Source: https://baonghean.vn/lai-suat-ngan-hang-bidv-thang-8-2025-gui-ky-han-dai-nhan-muc-4-8-nam-tiet-kiem-ngan-han-lai-van-thap-10303985.html