Techcombank is applying a program to add 0.5%/year interest rate to the first savings deposit.
Accordingly, this program is for individual customers who have not held any savings deposits, term deposits, or certificates of deposit at Techcombank since January 1, 2025. In addition to the listed interest rate for deposits according to Techcombank's regulations at each period, the first newly opened and recorded effective deposit in the system will be added with an additional 0.5%/year interest rate.
The program applies to Phat Loc Savings products, Phat Loc Online Deposits, Flexible Principal Withdrawal Deposits, Regular Savings with interest paid at the end of the term, for terms of 3, 6, 12 months.
The interest rate applied after adding the interest rate of the first deposit is guaranteed not to exceed the interest rate ceiling announced by the State Bank and Techcombank in each specified period: not exceeding 4.4%/year for 3-month terms, 5.3% for 6-month terms and 5.5% for 12-month terms.
"Interest rates displayed on Techcombank Mobile include additional interest rates for eligible online deposits and do not include additional interest rates for counter deposits," Techcombank stated.
In addition, this bank also applies an additional interest rate of 1%/year when there is an increase in savings on the monthly Inspire day exclusively for Techcombank Inspire members. For customers who are not members, just deposit from 100 million VND on Inspire day to become a member. The application period is from August 1 to August 15, 2025, when customers have an increase in deposit balance during the month, with terms of 3, 6, 12 months.
The interest rate applied to the deposit after adding the Inspire day interest rate is guaranteed not to exceed the interest rate ceiling announced by the State Bank and Techcombank in each period determined at the effective date of the deposit. Specifically, it does not exceed 4.75%/year for a 3-month term, 5.8%/year for a 6-month term and 6%/year for a 12-month term.
Techcombank is known as one of the leading banks in terms of demand deposits with CASA ratio.
According to the financial report for the second quarter of 2025, customer deposits at the end of June 2025 at this bank reached VND 589.1 trillion, up 18.8% over the same period last year and 4.4% over the beginning of the year.
Of which, total CASA, including non-term deposits and Auto Earning 2.0 balances, increased by 25%, faster than the increase in term deposits (15%). As a result, the CASA ratio improved to over 41% in the second quarter.
In the retail segment alone, CASA (including automatic earning balance) increased sharply by 30% over the same period.
Techcombank allows customers to receive yields of up to 4.4% (for some customer groups) when activating automatic interest-bearing accounts in payment accounts.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON AUGUST 14, 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 | 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 (*) Apply interest rate programs | 3.45 | 4.25 | 5.15 | 4.65 | 5.35 | 4.85 |
| TPBANK | 3.7 | 4 | 4.9 | 5 | 5.3 | 5.6 |
| VCBNEO | 4.35 | 4.55 | 5.6 | 5.45 | 5.5 | 5.55 |
| 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-14-8-2025-tang-manh-mot-loat-ky-han-2431789.html
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