Bank interest rates today, December 15, 2025: Deposit interest rates reach 8.3%/year.

Despite already offering some of the highest deposit interest rates in the market for terms of 12 months or more, Vietnam Public Commercial Bank (PVCombank) continues to sharply increase deposit interest rates across all terms starting today (December 15).

Furthermore, this bank has aggressively increased interest rates for depositors, causing deposit interest rates for terms of 12-36 months to skyrocket to 8.3% per year. This is the highest savings interest rate on the market in over two years.

According to the online savings interest rate schedule with interest paid at the end of the term for individual customers recently updated by PVCombank, the interest rate for terms from 1-5 months has been uniformly listed at 4.75%/year, the highest interest rate for term deposits of 1-5 months.

With these new interest rates, bank interest rates for 1-month deposits have increased sharply by 0.8%/year, 2-month deposits by 0.7%/year, 3-month deposits by 0.65%/year, 4-month deposits by 0.55%/year, and 5-month deposits by 0.45%/year compared to before.

PVCombank has uniformly listed online deposit interest rates for terms of 6-11 months at 5.8%/year, an increase of 0.6%/year compared to the previously listed rate.

Notably, the listed deposit interest rates for terms of 12 months or more at PVCombank have officially reached and exceeded 6%/year after these terms increased by 0.5%/year. Currently, the online banking interest rates for 12-month and 13-month terms are listed at 6.1%/year and 6.3%/year respectively.

With this increase, PVCombank has also raised its online deposit interest rate for 15-36 month terms to 6.8%/year - the highest rate currently officially listed by banks.

Not only does PVCombank offer the highest deposit interest rates, but it also shocked everyone by announcing an additional interest rate bonus of up to 1.5% per year for customers who deposit savings online every Friday in December.

To qualify for this additional 1.5% annual interest rate, in addition to making online deposits on Fridays, customers only need to meet the conditions of a deposit term of 12 months or more and a deposit amount of at least 100 million VND.

Therefore, if the above relatively easy conditions are met, the actual interest rate customers receive on their savings will be up to 7.6% per year for 12-month term deposits; and 7.8% per year for 13-month term deposits.

Specifically, the actual interest rate received on savings will reach up to 8.3% per year if customers deposit money for a term of 15-36 months.

In addition to increasing interest rates on online deposits, PVCombank also increased interest rates on deposits at the counter, with a similar increase to online savings.

Specifically, interest rates for savings accounts at the counter with terms of 1-5 months have officially reached the ceiling of 4.75% per year. Interest rates for other terms are 0.3-0.5% lower per year compared to the online savings interest rate chart.

Specifically, the interest rates for individual customers receiving interest at the end of the term are as follows: 5.5%/year for 6-11 month terms; 5.8%/year for 12-month terms; 6%/year for 13-month terms; and the highest rate is 6.3%/year, applicable to terms of 15-36 months.

With the deposit interest rates listed above, only Bac A Bank is the sole bank offering higher rates than PVCombank.

In addition, PVCombank continues to maintain a special interest rate of up to 9% per year for customers depositing savings for a term of 12-13 months with a deposit amount of... 2,000 billion VND.

PVCombank is the 18th bank to increase deposit interest rates since the beginning of December, including: Techcombank, MB, NCB, BVBank, Saigonbank, ACB, Bac A Bank, OCB, KienlongBank, Sacombank,SHB , PGBank, VIB, Vikki Bank, VCBNeo, BIDV, VPBank, and PVCombank. Of these, NCB, VPBank, and Techcombank have adjusted their interest rates twice.

ONLINE DEPOSIT INTEREST RATE TABLE FOR BANKS ON DECEMBER 15, 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
MB	2.6	2.9	4	4	4.7	4.8
VIETINBANK	2.4	2.4	3.9	3.9	4.7	4.7
ABBANK	3.1	3.8	3.8	5.4	5,6	5.4
ACB	3.6	4	4.7	4.8	5.4
BAC A BANK	4.55	4.55	6.5	6.5	6.55	6,7
BAOVIETBANK	4.5	4.65	5.65	5.5	5.8	5.9
BVBANK	4.4	4.7	5.5	5.7	5.8	5.95
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	5.4	5.1	5.7	5.45
LPBANK	3.9	4.2	5,6	5,6	5.65	5.65
MB	4.5	4.65	5.3	5.3	5.35	5.5
MBV	4.6	4.75	5.7	5.7	6	6
MSB	3.9	3.9	5	5	5,6	5,6
NAM A BANK	4.6	4.75	5.7	5,6	5.7	5.9
NCB	4.5	4.7	6.2	6.25	6.3	6.3
OCB	4.5	4.7	5.8	5.8	5.9	6.1
PGBANK	4.75	4.75	6.5	6.5	6.6	6,7
PVCOMBANK	4.75	4.75	5.8	5.8	6.1	6.8
SACOMBANK	4.6	4.75	5.3	5.5	6	6
SAIGONBANK	3.8	4	5	5.1	5.8	6
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	4.2	4.65	5,6	5,6	5.8	6
TECHCOMBANK	4.35	4.65	5.85	5.85	5.95	5.95
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VCBNEO	4.75	4.75	6.2	5.45	6.2	6.2
VIB	4	4.75	5.3	5.3	6.5	5.5
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	4.7	4.7	6.5	6.5	6.6	6,7
VPBANK	4.75	4.75	6	6	6	6

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