Bank interest rates today July 17, 2025, many banks are applying a laddered bonus interest rate policy with an interest rate difference of up to 0.2%/year for depositors.
In addition to giving additional interest rates to depositors who meet specific conditions, some banks such as ACB , OCB, VPBank, and Bac A Bank also apply a laddered deposit interest rate policy, with interest rates increasing gradually according to the amount of deposit.
At Asia Commercial Joint Stock Bank ( ACB ), the ladder interest rate for VND term deposits is applied by the bank as follows: Deposits from 200 million VND to less than 1 billion VND will be added with an interest rate of 0.1%/year; deposits from 1 billion VND to less than 5 billion VND will be added with an interest rate of 0.15%/year; deposits from 5 billion VND or more will be added with an interest rate of 0.2%/year.
The above interest bonus policy is applied by ACB to counter deposits, with terms from 1 to 36 months.
Thus, the highest interest rate when depositing savings at ACB's counter can be up to 4.7%/year, term 13-36 months with deposit accounts from 5 billion VND.
Regarding online deposit interest rates, ACB stipulates deposit interest rates for deposit accounts under VND 200 million as follows: 1-month term interest rate is 3.1%/year, 2-month term interest rate is 3.2%/year, 3-month term is 3.5%/year; 6-month term is 4.2%/year; 9-month term is 4.3%/year and 12-month term is 4.9%/year.
According to ACB's regulations on ladder interest rates, online savings interest rates from 200 million VND to less than 1 billion VND are 0.1% higher per year than the above interest rate table, deposits from 1 billion VND to less than 5 billion VND are 0.15% higher per year and from 5 billion VND are 0.2% higher per year.
Thus, the highest interest rate when saving online at ACB is 5.1%/year, applied for a 12-month term with a deposit balance of 5 billion VND or more.
At Orient Commercial Joint Stock Bank ( OCB ), online savings interest rates are specified for 3 deposit levels: Under 100 million VND; from 100 million VND to 500 million VND and over 500 million VND.
Compared to the deposit interest rate table applied to deposit accounts under 100 million VND, the interest rate difference with the remaining two levels is 0.15% and 0.2%/year respectively.
However, there is no difference in interest rates between deposit levels when making savings deposits for 18-36 months. Accordingly, the highest bank interest rate when making online savings deposits at OCB is 5.6%/year (36-month term). Meanwhile, the interest rates for deposits with 18-month, 21-month and 24-month terms are 5.2%/year, 5.3%/year and 5.4%/year, respectively.
At Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ), the tiered bonus interest rate applies to both online and counter savings deposits, with the following levels: Under 3 billion VND; from 3 billion VND to under 10 billion VND; from 10 billion VND to under 50 billion VND and from 50 billion VND or more.
The highest online savings interest rate at VPBank applied to deposits from 50 billion VND is 5.5%/year, term 24-36 months, 0.2%/year higher than the interest rate applied to deposits under 3 billion VND.
At Bac A Commercial Joint Stock Bank ( Bac A Bank ), there are two deposit levels under 1 billion VND and from 1 billion VND with two different interest rate schedules.
The interest rate difference between the two deposit levels is 0.2%/year. Currently, the highest deposit interest rate at Bac A Bank is 6%/year, applied to deposit accounts from 1 billion VND, with a term of 18-36 months.
| ONLINE DEPOSITS INTEREST RATES OF BANKS ON JULY 17, 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 | 3.2 | 3.9 | 5.4 | 5.5 | 5.7 | 5.5 |
| 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 | 5.1 | 5.6 |
| GPBANK | 3.95 | 4.05 | 5.65 | 5.75 | 5.95 | 5.95 |
| HDBANK | 3.85 | 3.95 | 3.85 | 3.85 | 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 | 3.3 | 3.6 | 4.9 | 4.9 | 5.4 | 5.6 |
| 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 | 5.8 |
| SHB | 3.5 | 3.8 | 4.9 | 5 | 5.3 | 5.5 |
| TECHCOMBANK | 3.45 | 3.75 | 4.65 | 4.65 | 4.85 | 4.85 |
| TPBANK | 3.5 | 3.8 | 4.8 | 4.9 | 5.2 | 5.5 |
| 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://baolamdong.vn/lai-suat-ngan-hang-hom-nay-17-7-2025-thuong-den-0-2-nam-cho-nguoi-gui-tien-382598.html
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