Bank interest rates increase across the board: How much interest do you get if you deposit 100 million VND?

The first days of November saw more than a dozen banks adjust their interest rates upward for most terms. This trend makes savings channels more attractive in the context of strong fluctuations in gold and stocks, while real estate prices have stagnated after a long period of overheating.

According to the Vietnam Banks Association, total deposits as of the end of September 2025 reached more than VND 12.26 trillion, up 10.16% over the same period. Major banks account for nearly 75% of the market share, including BIDV with about VND 2.09 trillion, VietinBank with VND 1.78 trillion, Vietcombank with VND 1.61 trillion. The private banking sector grew strongly, especially VPBank with an increase of more than 20%.

Bank interest rates increase across the board: How much interest do you get if you deposit 100 million VND?

Bank interest rates started to rise from the end of October.

The 3-month term interest rate at private commercial banks averaged 4.1%. The 12-month term averaged 5.34% at private banks and 4.7% at state-owned banks. The general 12-month term interest rate increased to 5% at the end of October.

Since the beginning of November, Sacombank, VPBank, MB, HDBank,SHB , GPBank, BVBank, Techcombank, BaoVietBank, LPBank, KienlongBank and PVCombank have continued to raise bank interest rates in many terms.

Deposit 100 million VND, how much interest will I receive at the new bank interest rate?

1 month term

Bank interest rate: 1.6% - 4.4%/year

Interest received: 133,333 - 366,666 VND

3-month term

Bank interest rate: 1.9% - 4.75%/year

Interest received: 475,000 - 1,187 million VND

Techcombank leads with 4.75%/year.

6-month term

Bank interest rate: 2.9% - 5.9%/year

Interest received: 1.45 - 2.95 million VND

More than 20 banks apply rates of 5%/year or higher.

9-month term

Bank interest rate: 2.9% - 5.85%/year

Interest received: 2,175 - 4,387 million VND

6 banks are listed above 5.5%/year.

12-month term

Bank interest rate: 3.7% - 6.1%/year

Interest received: 3.7 - 6.1 million VND

The 6.1%/year level has returned after a hiatus of many months.

18-month term

Bank interest rate: 3.9% - 6.3%/year

Interest received: 5.85 - 9.45 million VND

Bac A Bank and PVCombank are leading with 6.3%/year.

Experts predict that bank interest rates at the end of the year may continue to increase to support capital mobilization targets, especially in the private banking group. From now until Tet, bank interest rates for terms of 6-12-18 months will continue to be the focus of attracting idle cash flow.

Interest rate table at banks in November 2025 (%/year)
Bank	1 month	3 months	6 months	9 months	12 months	18 months
SCB	1.6	1.9	2.9	2.9	3.7	3.9
VIETCOMBANK	1.6	1.9	2.9	2.9	4.6	4.6
BIDV	2	2.3	3.3	3.3	4.7	4.7
VIETINBANK	2	2.3	3.3	3.3	4.7	4.7
AGRIBANK	2.4	3	3.7	3.7	4.8	4.8
OCB	3.9	4.1	5	5	5.1	5.2
TECHCOMBANK	3.95	4.75	5.45	4.95	5.75	5.25
VIB	3.8	4	4.8	4.8	5	5.3
MB	3.9	4.2	4.9	4.9	5.2	5.3
ABBANK	3.1	3.8	5.3	5.4	5.6	5.4
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
KIENLONGBANK	3.9	3.9	5.1	5.2	5.5	5.45
SACOMBANK	4	4.2	5	5.1	5.3	5.5
LPBANK	3.9	4.2	5.3	5.3	5.4	5.5
VPBANK	4.3	4.4	5.3	5.3	5.5	5.5
TPBANK	3.7	4	4.9	5	5.3	5.6
SHB	4.1	4.15	5.2	5.3	5.4	5.6
NAM A BANK	3.8	4	4.9	5.2	5.5	5.6
MSB	3.9	3.9	5	5	5.6	5.6
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
NCB	4.1	4.3	5.45	5.55	5.7	5.7
PGBANK	3.4	3.8	5	4.9	5.4	5.8
SAIGONBANK	3.3	3.6	4.8	4.9	5.6	5.8
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	5.8
VCBNEO	4.35	4.55	5.9	5.45	5.8	5.8
GPBANK	3.9	4	5.55	5.65	5.85	5.85
BVBANK	4.3	4.5	5.3	5.3	5.6	5.9
BAOVIETBANK	4	4.45	5.45	5.5	5.8	5.9
MBV	4.1	4.4	5.5	5.6	5.8	5.9
HDBANK	4.2	4.3	5.5	5.3	5.8	6.1
VIKKI BANK	4.35	4.55	5.9	5.8	6.1	6.2
BAC A BANK	4.4	4.55	5.8	5.85	6	6.3
PVCOMBANK	3.8	3.9	5	5.2	5.6	6.3
ACB	3.1	3.5	4.2	4.3	4.9