Bank interest rates today November 19, 2025: Sharp increase in deposit interest rates to 0.75%/year

Vietnam International Commercial Joint Stock Bank (VIB ) has just become the next bank to increase deposit interest rates in November. After increasing deposit interest rates by 0.2%/year for 3-5 month terms at the end of October, VIB continued to increase for all terms from 1-36 months.

Accordingly, online banking interest rates for 1-2 month terms and 6-36 month terms increased by 0.2%/year; 3-5 month terms increased sharply by 0.75%/year.

NCB bank (38).jpg — Banks continue to increase deposit interest rates. Photo: Hoang Ha

With the above interest rate increase, VIB's latest online savings interest rate table for individual customers' deposits receiving interest at the end of the term is as follows: 1-month term reaches 4%/year; 2-month term 4.1%/year; 3-5-month term peaks at 4.75%/year - the maximum rate prescribed for deposits with terms of less than 6 months.

In addition to VIB, Nam A Bank, MBV, Techcombank and Bac A Bank currently list interest rates of 4.75%/year for some terms under 6 months. Some banks also pay this ceiling interest rate to depositors but with conditions attached.

With an increase of 0.2%/year, VIB's online deposit interest rate for 6-11 month term is 5%/year; 12-18 month term is 5.5%/year and the highest listed rate is 5.6%/year for 24-36 month term deposits.

In addition, VIB is also one of the banks that generously adds interest rates to depositors. This bank adds 1%/year interest rate for Premier priority customers; 0.7%/year for Priority customers/Diamond customers/new customers who deposit money in the month (first month of transaction at VIB) with term deposits from 1-36 months from October 4.

Also from this time, VIB adds interest rate of 0.6%/year for Sapphire payroll customers; 0.5%/year for Sapphire/iBusiness customers with term deposits from 1-36 months.

Thus, the actual highest interest rate can be up to 6.6%/year if customers meet VIB's conditions to become priority customers.

Also increasing deposit interest rates is Tien Phong Commercial Joint Stock Bank ( TPBank ) with an increase of 0.2%/year for 1-month, 6-month, 9-month term interest rates; an increase of 0.1%/year for 3-month term. However, TPBank keeps the same interest rates for 12-36-month terms.

According to TPBank's latest online deposit interest rate table, the deposit interest rate for a 1-month term is 3.9%/year, for a 2-month term is 4.1%/year, for a 3-month term is 4.2%/year, for a 6-month term is 5.1%/year, for a 9-month term is 5.3%/year, for a 12-month term is 5.5%/year, for a 18-month term is 5.7%/year and the highest is 5.9%/year for a 24-36-month term.

With TPBank and VIB adjusting deposit interest rates, 18 banks have officially increased deposit interest rates in November, including: Sacombank, VPBank, MB, HDBank, GPBank, BVBank, Techcombank, BaoViet Bank, PVCombank, LPBank, KienlongBank, MBV, Bac A Bank, Vikki Bank, Nam A Bank, NCB, VIB, TPBank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON NOVEMBER 19, 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	4.55	4.55	6.2	6.25	6.3	6.5
BAOVIETBANK	4	4.45	5.45	5.5	5.8	5.9
BVBANK	4.3	4.5	5.3	5.3	5.6	5.9
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	5.3	5.1	5.5	5.45
LPBANK	3.9	4.2	5.3	5.3	5.4	5.5
MB	3.9	4.2	4.9	4.9	5.2	5.3
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	4.3	4.5	5.75	5.75	5.8	5.7
OCB	4.15	4.2	5.2	5.2	5.3	6
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.8	4.1	5	5.2	5.6	6.3
SACOMBANK	4	4.2	5	5.1	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	4.1	4.15	5.2	5.3	5.4	5.6
TECHCOMBANK	3.95	4.75	5.45	4.95	5.75	5.25
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VCBNEO	4.35	4.55	5.9	5.9	5.8	5.8
VIB	4	4.75	5	5	5.5	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	6.1	6.2	6.3	6.4
VPBANK	4.3	4.4	5.3	5.3	5.5	5.5