According to a survey by VietNamNet, the highest online deposit interest rate of Big4 banks ( Agribank , Vietcombank, VietinBank and BIDV) is 5%/year, applied by VietinBank for savings deposits with terms from 24-36 months.

According to VietinBank's online banking interest rate table, the bank's interest rate for 1-2 month terms is listed at 2%/year; 3-5 month terms is 2.3%/year; 6-11 month terms is 3.3%/year; 12-18 month terms is 4.7%/year and the highest is 5%/year for 24-36 month term deposits.

Meanwhile, BIDV listed online deposit interest rates for terms from 1-18 months equal to the interest rates listed by VietinBank.

However, for online deposits with a term of 18-36 months, the deposit interest rate announced by BIDV is 4.7%/year.

Although the highest interest rate at Agribank is 4.9%/year, applied to deposits with terms of 24-36 months, the general mobilization level of Agribank is slightly higher than that of the other 3 banks with terms from 1-18 months.

Specifically, Agribank maintains online savings interest rates for 1-2 month terms at 2.4%/year; 3-5 month terms at 3%/year; 6-11 month terms at 3.7%/year and 12-18 month terms at 4.8%/year.

Not only maintaining the lowest bank interest rate in the Big4 group, Vietcombank is also the bank listed with the lowest deposit interest rate among current commercial banks.

Specifically, the online mobilization interest rate for 1-2 month term announced by Vietcombank is 1.6%/year; 3-5 month term is 1.9%/year; 6-11 month term is 4.6%/year and 12-18 month term is 4.6%/year.

The highest interest rate at Vietcombank is currently 4.7%/year, applied to deposits with terms from 24 months.

Currently, all 4 Big 4 banks are listing the lowest deposit interest rates on the market. This is also the group of banks that are lending at the lowest interest rates, especially lending priority credit packages under the direction of the Government and the State Bank.

In particular, BIDV announced the average lending interest rate in June at only 5.5%/year.

The difference between the average lending and average deposit interest rates at BIDV is 2.53%/year. The difference between the average interest rates after deducting costs related to capital mobilization and capital use is 1.36%/year.

At Vietcombank, the average lending interest rate in May as announced is 5.6%/year. The average lending/mobilization interest rate difference is 2.8%/year. The interest rate difference after deducting the cost of mobilization and capital use is 1.2%.

At Agribank, the average lending interest rate in May was 6.54%/year. The average lending/mobilization interest rate difference was 2.82%/year, the interest rate difference after deducting the cost of mobilization and capital use was 1.14%/year.

At VietinBank, the average lending and deposit interest rates are 5.6% and 3.3% per year, respectively.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 11, 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
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 5.7 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 5.1 5.6
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 3.3 3.6 4.9 4.9 5.4 5.6
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 3.5 3.8 4.8 4.9 5.2 5.5
VCBNEO 4.15 4.35 5.4 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

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-11-7-2025-nhom-ngan-hang-big4-cao-nhat-5-nam-2420413.html