Bank interest rates today August 15, 2025: Big4 attracts huge deposits despite low interest rates

Despite holding an overwhelming market share, the interest rates at the four "big guys" state-owned commercial banks, including Agribank , VietinBank, Vietcombank and BIDV, are the lowest in the market. These interest rates have been maintained by the banks for many months.

Except for Agribank, which adjusted deposit interest rates in April 2025, the remaining 3 banks have maintained the current deposit interest rate schedule for more than 1 year.

In general, Agribank is the bank with the most attractive deposit interest rates in this group.

According to Agribank's online savings interest rate table, the savings interest rate for a 1-2 month term is 2.4%/year, for a 3-5 month term is 3%/year, for a 6-11 month term is 3.7%/year, for a 12-18 month term is 4.8%/year and for a 24-36 month term is 4.9%/year.

Meanwhile, BIDV and VietinBank both listed an interest rate of 2%/year for online deposits with a term of 1-2 months. The bank interest rate for a term of 3-5 months is listed by these two banks at 2.3%/year.

BIDV and VietinBank also listed the same interest rates for 6-11 month and 12-18 month terms, at 3.3%/year and 4.7%/year, respectively.

Thus, the savings interest rates for terms from 1-18 months listed by BIDV and VietinBank are 0.1-0.4%/year lower than the interest rates announced by Agribank.

However, BIDV listed online savings interest rates for 24-36 month terms at 4.7%/year, equal to the interest rate for the same term listed by Agribank.

Meanwhile, the highest interest rate at VietinBank is 5%/year for online deposits with a term of 24-36 months. This is also the highest interest rate in the Big4 banking group.

At Vietcombank, the interest rate for 1-2 month term is only 1.6%/year, 3-5 month term is 1.9%/year, 6-11 month term is 2.9%/year, 12-18 month term is 4.6%/year.

The highest deposit interest rate at Vietcombank is 4.7%/year, listed for term deposits from 24 months.

As of June 30, the total amount of customer deposits at these 4 banks reached 7.4 million billion VND, accounting for about 50% of the total market share of 35 domestic banks.

Not only leading in lending market share, BIDV also leads in mobilization market share with 2.05 million billion VND, up 6.31%.

Ranked second in terms of ability to attract customer deposits is Agribank, with customer deposit balance of up to VND 2.04 million billion, an increase of 6.51% compared to the end of 2024.

This is the first time customer deposits at both BIDV and Agribank have exceeded VND2 million billion - a new record in the banking industry.

VietinBank ranked third in terms of deposit attraction with more than VND1.71 trillion, up 7.1% compared to the end of last year.

With approximately 1.6 million billion VND mobilized as of June 30, an increase of 4.91% compared to the end of last year, Vietcombank ranked fourth in terms of capital mobilization.

In general, the market share of the four state-owned commercial banks is as follows: BIDV 14.56%; Agribank 14.50%; VietinBank 12.18% and Vietcombank 11.28%.

ONLINE DEPOSITS INTEREST RATES OF BANKS ON AUGUST 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
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
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	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