Bank interest rates today, July 18, 2025, long-term deposit interest rates at banks are listed at the highest level of 6%/year. However, only a few banks are listing this interest rate.
At domestic commercial banks, the highest interest rate for online deposits with a term of 36 months, the longest term for savings deposits announced by most banks, is 6%/year.
This interest rate is being listed by Vikki Bank and Bac A Bank for 36-month term deposits.
Of which, Vikki Bank listed deposit interest rate of 6%/year for term of 13 months or more, while Bac A Bank listed for term of 18-36 months.
However, to enjoy the savings interest rate of 6%/year at Bac A Bank, customers need to deposit a minimum amount of 1 billion VND. This bank applies a step-by-step bonus interest rate method, below 1 billion VND and from 1 billion VND and above. The difference in deposit interest rate between the two levels is 0.2%/year.
Besides the two banks above, HDBank also maintains the highest interest rate in the market when listing online interest rates of 6%/year for 15-month term deposits and 6.1%/year for 18-month term deposits.
However, the online deposit interest rate for a 36-month term is only listed by HDBank at 5.5%/year.
Therefore, Vikki Bank and Bac A Bank are still the two banks listing the highest deposit interest rates for a 36-month term.
BVBank and GPBank are also in the leading group when listing interest rates of 5.95%/year for deposits with the same term. Following that is the interest rate of 5.9%/year listed by BaoViet Bank, MVB, Saigonbank, Viet A Bank and VietBank.
In the Big4 banking group, VietinBank listed a savings interest rate of 5%/year for a term of 24-36 months, the highest savings interest rate among the 4 state-owned commercial banks.
For the same term, Agribank and BIDV listed interest rates at 4.9%/year, while Vietcombank listed 4.7%/year.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 18, 2025 (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| VIKKI BANK | 4.15 | 4.35 | 5.65 | 5.65 | 5.95 | 6 |
| BAC A BANK | 4 | 4.3 | 5.45 | 5.55 | 5.7 | 6 |
| BVBANK | 3.95 | 4.15 | 5.15 | 5.3 | 5.6 | 5.9 |
| GPBANK | 3.95 | 4.05 | 5.65 | 5.75 | 5.95 | 5.95 |
| BAOVIETBANK | 3.5 | 4.35 | 5.45 | 5.5 | 5.8 | 5.9 |
| MBV | 4.1 | 4.4 | 5.5 | 5.6 | 5.8 | 5.9 |
| SAIGONBANK | 3.3 | 3.6 | 4.8 | 4.9 | 5.6 | 5.8 |
| 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 |
| BAC A BANK | 3.8 | 4.1 | 5.25 | 5.35 | 5.5 | 5.8 |
| MB | 3.5 | 3.8 | 4.4 | 4.4 | 4.9 | 4.9 |
| NAM A BANK | 3.8 | 4 | 4.9 | 5.2 | 5.5 | 5.6 |
| PVCOMBANK | 3.3 | 3.6 | 4.5 | 4.7 | 5.1 | 5.8 |
| SHB | 3.5 | 3.8 | 4.9 | 5 | 5.3 | 5.5 |
| TPBANK | 3.5 | 3.8 | 4.8 | 4.9 | 5.2 | 5.5 |
| PGBANK | 3.4 | 3.8 | 5 | 4.9 | 5.4 | 5.8 |
| SACOMBANK | 3.3 | 3.6 | 4.9 | 4.9 | 5.4 | 5.6 |
| EXIMBANK | 4.3 | 4.5 | 4.9 | 4.9 | 5.1 | 5.6 |
| MSB | 3.9 | 3.9 | 5 | 5 | 5.6 | 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 |
| VCBNEO | 4.35 | 4.55 | 5.6 | 5.45 | 5.5 | 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 |
| SEABANK | 2.95 | 3.45 | 3.95 | 4.15 | 4.7 | 5.45 |
| ABBANK | 3.2 | 3.9 | 5.4 | 5.5 | 5.7 | 5.5 |
| LPBANK | 3.6 | 3.9 | 5.1 | 5.1 | 5.4 | 5.4 |
| VIB | 3.7 | 3.8 | 4.7 | 4.7 | 4.9 | 5.2 |
| VPBANK | 3.7 | 3.8 | 4.7 | 4.7 | 5.2 | 5.2 |
| VIETINBANK | 2 | 2.3 | 3.3 | 3.3 | 4.7 | 4.7 |
| AGRIBANK | 2.4 | 3 | 3.7 | 3.7 | 4.8 | 4.8 |
| BIDV | 2 | 2.3 | 3.3 | 3.3 | 4.7 | 4.7 |
| VIETCOMBANK | 1.6 | 1.9 | 2.9 | 2.9 | 4.6 | 4.6 |
| TECHCOMBANK | 3.45 | 3.75 | 4.65 | 4.65 | 4.85 | 4.85 |
| SCB | 1.6 | 1.9 | 2.9 | 2.9 | 3.7 | 3.9 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 |
Source: https://baolamdong.vn/lai-suat-ngan-hang-hom-nay-18-7-2025-diem-danh-nha-bang-duy-tri-lai-suat-6-nam-382717.html
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