Today's bank interest rate, August 1, 2025, records the highest mobilization interest rate of 9.65%/year. However, it is very difficult to meet the bank's requirements if you want to receive this interest rate.
According to statistics, the highest current interest rate is 9.65%/year, listed by ABBank for new or renewed deposits with a 13-month term, applied to a minimum deposit of VND 1,500 billion or more.
Ranked second is PVComBank with an interest rate of 9%/year for a 12-month term, with a minimum deposit of VND 2,000 billion.
Third is HDBank with an interest rate of 7.7%/year for a 12-month term and 8.1%/year for a 13-month term, but customers must maintain a minimum balance of VND500 billion.
In addition, HDBank also applies an interest rate of 6%/year for an 18-month term for regular customers saving at the counter and an interest rate of 6.1%/year for online savings.
Besides the above banks, some banks also list unusually high savings interest rates, along with conditions on deposit balances of hundreds of billions of dong.
Specifically, Vikki Bank listed interest rates up to 7.5%/year for terms of 13 months or more, with a minimum deposit of VND 999 billion.
VIB listed deposit interest rate of 6.15%/year for 36-month term, deposit condition is from 1,500 billion VND or more.
LPBank listed deposit interest rates from 6.5%/year for terms of 13-36 months, applied to deposits from 300 billion VND or more, receiving interest at the end of the term; receiving monthly interest at 6.3%/year and receiving interest at the beginning of the term at 6.07%/year.
ACB Bank maintains a special interest rate of 6%/year for customers who deposit 200 billion VND or more with a term of 13 months and receive interest at the end of the term.
Meanwhile, Bac A Bank listed a savings interest rate of 6%/year for 18-36 month term deposits, applied to deposits over 1 billion VND.
In addition to the above interest rates, the highest savings interest rate currently listed by banks for regular deposits is 6.1%/year. This rate is applied by HDBank for online savings deposits with a term of 18 months.
HDBank also listed a savings interest rate of 6%/year for online deposits with a term of 15 months. This is also the interest rate for a term of 18 months for customers making savings at the counter.
The remaining bank that is maintaining a 6%/year interest rate for regular deposits is Vikki Bank (a bank in the HDBank ecosystem), applied to terms from 13 months when depositing online.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON AUGUST 1, 2025 | ||||||
| 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 |
| BIDV | 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 | 3.2 | 3.9 | 5.4 | 5.5 | 5.5 | 5.5 |
| 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 | 3.75 | 4.65 | 4.65 | 4.85 | 4.85 |
| TPBANK | 3.7 | 4 | 4.9 | 5 | 5.3 | 5.6 |
| VCBNEO | 4.35 | 4.55 | 5.6 | 5.45 | 5.5 | 5.5 |
| 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 |
Source: https://baolamdong.vn/lai-suat-ngan-hang-hom-nay-1-8-2025-lai-suat-huy-dong-ngan-hang-nao-cao-nhat-384630.html
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