Bank interest rates today September 15, 2025: Banks offer interest rates up to 0.8%

Global Petroleum Commercial Joint Stock Bank (GPBank) is the only bank that has adjusted its deposit interest rates, with a reduction of 0.15-0.4%/year applied to all online deposit terms.

For over-the-counter deposits, GPBank reduced interest rates by 0.1-0.15%/year for terms from 4-36 months, and increased deposit interest rates by 0.1%/year for terms from 1-3 months from September 3.

However, immediately after that, this bank immediately announced the program "Full of incentives when becoming a VIP customer of GPBank".

One of the incentives when becoming a VIP customer of GPBank is that customers who deposit money will receive an additional preferential interest rate of up to 0.8%/year.

Contacting GPBank's customer service center about the program of adding interest for depositors, the operator said that each branch has its own program for depositors, customers can find out directly at the transaction counter.

“Customers who deposit 500 million VND or more will receive preferential interest rates for Phat Tai savings. Depending on the amount of money deposited by the customer as well as the policy of each branch, but customers who deposit 500 million VND or more will receive preferential interest rates,” said the customer service hotline staff.

According to this employee, the preferential interest rate program only applies to customers who deposit savings at the counter, while online deposit interest rates will follow a fixed interest rate schedule.

GPBank is one of the banks that regulates interest rates according to the ladder interest rate method. The table of interest rates for savings at the counter for individual customers and organizations receiving interest at the end of the term, applied from September 3, is as follows:

The savings interest rate for 1-2 month term is 3.55%/year, 3-4 month term is 3.65%/year, 5 month term is 3.7%/year, 6-8 month term is 4.8%/year, 9 month term is 4.9%/year and the highest listed savings interest rate is 5.1%/year for 12-36 month term.

For deposit accounts with a balance of 500 million VND or more, interest rates will be listed at the announced preferential rates including: 6-8 month term is 5.15%/year, 9 month term is 5.25%/year and 12-13 month term is 5.45%/year.

Thus, the listed savings interest rate applied to deposit accounts from 500 million VND is 0.35%/year higher than the normal deposit interest rate.

Interest rate from 500 million VND.jpg — *The interest rate table at the counter applies to savings accounts from 500 million VND or more applied by GPBank with terms from 6-13 months.*

Similarly, for the Prosperity deposit product, GPBank applies tiered bank interest rates for different deposit amounts: Under 100 million VND, 500 million VND to under 1 billion VND, 1 billion VND to under 3 billion VND, from 3 billion VND to under 5 billion VND and from 5 billion VND or more.

Accordingly, the highest bank interest rate for deposits under 100 million VND, term of 12-13 months is 5.1%/year, while the highest bank interest rate for deposits from 5 billion VND or more, term of 12-13 months is 5.35%/year.

LS Phat Tai Chart.jpg — *Phat Tai interest rate table is posted by GPBank.*

Meanwhile, the highest interest rate is being listed by GPBank for online deposits for individual customers receiving interest at the end of the term.

Specifically, the online mobilization interest rate for a 1-2 month term is 3.8%/year, a 3-5 month term is 3.9%/year, a 6-8 month term is 5.25%/year, a 9 month term is 5.35%/year and the highest mobilization interest rate is 5.55%/year for a 12-36 month term.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON SEPTEMBER 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
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	3.8	3.9	5.25	5.35	5.55	5.55
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