According to statistics, there are currently 5 banks listing interest rates from 6%/year for 12-month term deposits, including MSB, KienlongBank, BVBank, GPBank, and VCBNeo.

In particular, MSB listed the highest mobilization interest rate for this term at up to 6.3%/year. This is also the interest rate applied by MSB for 15- and 24-month term deposits. However, this interest rate is only preferentially applied by MSB to individual customers receiving salary through payment accounts opened at MSB, including bank employees and employees of TNG Group.

For remaining customers, the online deposit interest rate for terms of 12 months or more at MSB is still 5.8%/year.

KienlongBank is listing online deposit interest rates at 6.1%/year for a 12-month term. The two banks listing interest rates at 6.05%/year for this term are BVBank and GPBank.

The 12-month term bank interest rate at VCBNeo is 6%/year. VCBNeo also lists this deposit interest rate for terms after 12 months.

The 12-month savings interest rate at Indovina Bank is also approaching 6%/year when this bank maintains it at 5.95%/year.

The savings interest rate of 5.8%/year is currently listed by many banks for 12-month term deposits, including: ABBank, BaoVietBank, Dong A Bank, MBV, Saigonbank, Viet A Bank, and VietBank.

NCB is currently the only bank applying an interest rate of 5.7%/year for this term.

Meanwhile, Bac A Bank , Eximbank, HDBank, and Nam A Bank are listing interest rates of 5.6%/year for customers depositing money online for a 12-month term.

5.5%/year is the interest rate for the same term as above at LPBank, PGBank, SHB , and VPBank.

Sacombank, OCB and TPBank listed interest rates at 5.4%, 5.3%, and 5.2%/year, respectively.

The two remaining banks listed interest rates above 5%/year for 12-month mobilization terms are MB and PVCombank, both at 5.1%/year.

The remaining banks currently maintain interest rates below 5%/year for this term deposit. Of which, the 12-month term deposit interest rate at ACB is 4.9%/year, at Techcombank is 4.85%/year (deposits under 100 million VND).

Four state-owned banks, Agribank, BIDV, VietinBank, and Vietcombank, all listed an interest rate of 4.7%/year for 12-month deposits. In particular, SCB only listed an interest rate of 3.7%/year for this term.

Today, the market has not recorded any bank changing its interest rate schedule.

According to statistics, banks have adjusted interest rates since the beginning of February 2025, including: TPBank (reduced deposit interest rates for terms of 1 - 2 - 3 and 12 months), Techcombank (increased interest rates for terms of 6-36 months), Bac A Bank (reduced interest rates for 1-36 months) and Eximbank (increased interest rates for 1-12 months, reduced interest rates for 15-36 months), Viet A Bank (increased interest rates for terms of 12 - 36 months).

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON FEBRUARY 14, 2025 (%/YEAR)
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
MSB 4.1 4.1 5 5 6.3 5.8
KIENLONGBANK 4.3 4.3 5.8 5.8 6.1 6.1
BVBANK 3.95 4.15 5.45 5.75 6.05 6.35
GPBANK 3.5 4.02 5.35 5.7 6.05 6.15
VCBNEO 4.15 4.35 5.85 5.8 6 6
IVB 4 4.35 5.35 5.35 5.95 6.05
ABBANK 3.2 4 5.5 5.6 5.8 5.6
BAOVIETBANK 3.3 4.35 5.45 5.5 5.8 6
DONGA BANK 4.1 4.3 5.55 5.7 5.8 6.1
MBV 4.3 4.6 5.5 5.6 5.8 6.1
SAIGONBANK 3.3 3.6 4.8 4.9 5.8 6
VIET A BANK 3.7 4 5.2 5.4 5.8 6
VIETBANK 4.2 4.4 5.4 5 5.8 5.9
NCB 4.1 4.3 5.45 5.55 5.7 5.7
BAC A BANK 3.6 3.9 5.05 5.15 5.6 6
EXIMBANK 4.1 4.4 5.4 5.4 5.6 6.5
HDBANK 3.85 3.95 5.3 4.7 5.6 6.1
NAM A BANK 4.3 4.5 5 5.2 5.6 5.7
LPBANK 3.6 3.9 5.1 5.1 5.5 5.8
PGBANK 3.4 3.8 5 5 5.5 5.8
SHB 3.5 3.8 5 5.1 5.5 5.8
VPBANK 3.8 4 5 5 5.5 5.5
SACOMBANK 3.3 3.6 4.9 4.9 5.4 5.6
OCB 4 4.2 5.2 5.2 5.3 5.5
TPBANK 3.5 3.8 4.8 4.9 5.2 5.5
MB 3.7 4 4.6 4.6 5.1 5.1
PVCOMBANK 3.3 3.6 4.5 4.7 5.1 5.8
ACB 3.1 3.5 4.2 4.3 4.9
VIB 3.8 3.9 4.9 4.9 5.3
TECHCOMBANK 3.35 3.65 4.65 4.65 4.85 4.85
AGRIBANK 2.4 3 3.7 3.7 4.7 4.7
BIDV 2 2.3 3.3 3.3 4.7 4.7
SEABANK 2.95 3.45 3.95 4.15 4.7 5.45
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
SCB 1.6 1.9 2.9 2.9 3.7 3.9