Although not directly increasing deposit interest rates, some banks, including the Big 4 group, are promoting deposit attraction through programs that offer interest rates or gifts to depositors.

Vietnam Bank for Agriculture and Rural Development ( Agribank ) has just announced the launch of the Savings Prize Program "Save today - Get gifts immediately" with more than 3,300 prizes, total prize value up to 9.7 billion VND.

Accordingly, from November 10, 2025 to March 31, 2026 (or ending earlier if the prize codes run out), individual customers who deposit savings of VND 8 million (6-month term), VND 10 million (9-month term), VND 15 million (12-month term) at Agribank transaction points nationwide will receive a prize code for a chance to win.

This program has 1 special prize including 1 savings book worth 1 billion VND; 9 first prizes, each prize is a savings book worth 100 million VND; 60 second prizes, each prize is a savings book worth 30 million VND; 300 third prizes, each prize is a savings book worth 10 million VND and 3,000 consolation prizes, each prize is worth 1 million VND.

Previously, two banks in the Big 4 group also announced "huge" gift programs for customers depositing money in October, namely VietinBank and Vietcombank , showing that the race to mobilize deposits at the end of the year is becoming increasingly fierce.

With VietinBank , customers who deposit savings in October will receive cash or gifts worth up to VND 800,000.

Specifically, individual customers who deposit at the counter from 200 million VND, with a term of 1-36 months, can receive gifts worth from 50,000 VND to 800,000 VND. The value of the gift depends on the amount of deposit as well as the method of calculating the deposit interest rate chosen by the customer (interest paid in arrears/paid in advance/paid periodically).

Customers who deposit 200 million VND for a term of 6 months or more will receive a beautiful account number worth 5 million VND from VietinBank.

Customers who deposit savings online will also receive double Loyalty points from VietinBank when depositing savings online from 1 million VND, with a term of 6 months or more.

In addition, VietinBank also announced a bank interest rate 0.3-1% higher per year than the listed rate when customers deposit savings online for terms from 1 month to 10 months.

With Vietcombank, from the end of September to the end of October, the bank gave VCB Loyalty points equivalent to 0.1% of the deposit amount to customers.

With a deposit at the counter or online from 30 million VND, term of 6 or 12 months, customers will be given a prize code. There is 1 special prize worth 1 billion VND, 10 first prizes worth 100 million VND each and 20 second prizes worth 50 million VND each.

Small-scale banks have also accelerated the absorption of idle capital with various forms of incentives. Vikki Bank, a digital bank in the HDBank ecosystem, has recently been livestreaming at 8 p.m. every day of the week to introduce incentive programs.

The highest interest rate at this bank is currently up to 6.1%/year, and customers also receive an additional 0.2%/year interest rate when making savings deposits in November.

Notably, customers who deposit 20 million VND or more at Vikki Bank will have the chance to win gold, a special prize of up to 10 taels.

Up to now, 11 banks have increased deposit interest rates in November, including: Sacombank, VPBank, MB, HDBank, GPBank, BVBank, Techcombank, BaoViet Bank, PVCombank, LPBank and KienlongBank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON NOVEMBER 13, 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 3.1 3.8 5.3 5.4 5.6 5.4
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 4.4 4.55 5.8 5.85 6 6.3
BAOVIETBANK 4 4.45 5.45 5.5 5.8 5.9
BVBANK 4.3 4.5 5.3 5.3 5.6 5.9
EXIMBANK 4.3 4.5 4.9 4.9 5.2 5.7
GPBANK 3.9 4 5.55 5.65 5.85 5.85
HDBANK 4.2 4.3 5.5 5.3 5.8 6.1
KIENLONGBANK 3.9 3.9 5.1 5.2 5.5 5.45
LPBANK 3.9 4.2 5.3 5.3 5.4 5.5
MB 3.9 4.2 4.9 4.9 5.2 5.3
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 4.1 4.3 5.45 5.55 5.7 5.7
OCB 4.15 4.2 5.2 5.2 5.3 6
PGBANK 3.4 3.8 5 4.9 5.4 5.8
PVCOMBANK 3.8 4.1 5 5.2 5.6 6.3
SACOMBANK 4 4.2 5 5.1 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 4.1 4.15 5.2 5.3 5.4 5.6
TECHCOMBANK 3.95 4.75 5.45 4.95 5.75 5.25
TPBANK 3.7 4 4.9 5 5.3 5.6
VCBNEO 4.35 4.55 5.9 5.45 5.8 5.8
VIB 3.8 4 4.8 4.8 5 5.3
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 4.35 4.55 5.9 5.8 6.1 6.2
VPBANK 4.3 4.4 5.3 5.3 5.5 5.5
New signals from banks simultaneously increasing deposit interest rates After only 10 domestic commercial banks increased deposit interest rates in October, in November, the number of banks adjusting interest rates increased to at least 11 units.

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-13-11-2025-ngan-hang-big4-cau-khach-gui-tien-2462301.html