The four banks subject to mandatory transfer include: Global Petroleum Bank (GPBank), Vietnam Modern Bank (MBV), Foreign Trade Bank for Digital Technology (VCBNeo) and Vikki Digital Bank (Vikki Bank), which are currently in the group with the highest deposit interest rates in the market.

Listed deposit interest rates of 4%/year or more for most terms under 6 months help these four banks maintain their leading position in short-term interest rates.

For long terms, although MBV, VCBNeo and GPBank no longer maintain rates above 6%/year, interest rates approaching 6% still create a significant competitive advantage in capital mobilization competition.

Vikki Bank is the only bank in this group that maintains an interest rate of 6%/year.

According to the online banking interest rate table announced by Vikki Bank, the bank interest rate for 1-month term is 4.15%/year, 2-month term is 4.2%/year, 3-month term is 4.35%/year, 6-month term is 5.65%/year while 12-month term is 5.95%/year.

The highest interest rate listed by Vikki Bank for online deposits is up to 6%/year, applied to term deposits from 12 months.

Compared to online deposit interest rates, counter deposit interest rates listed by Vikki Bank are 0.1%/year lower for each term.

Therefore, the highest interest rate at the counter is 5.9%/year applied by Vikki Bank for deposit terms from 19-36 months.

However, Vikki Bank also applies a special interest rate for customers who deposit for a 3-month term and receive interest at the end of the term with a deposit amount of 999 billion VND or more, with an additional rate of 1.8%/year.

At GPBank , the highest savings interest rate of up to 5.95%/year is applied by this bank for online deposits with terms from 12-36 months.

Online deposit interest rates for remaining terms include: 1-2 month term is 3.95%/year; 3 month term is 4.05%/year; 4-5 month term is 4.3%/year; 6-8 month term is 5.65%/year and 9 month term is 5.75%/year.

The difference in interest rates between online and counter deposits at GPBank is quite large. The highest interest rate when saving at the counter is 5.2%/year, with a term of 12-36 months, interest is paid at the end of the term (compared to 5.95%/year when saving online).

However, for deposit accounts with a balance of VND500 million or more, the interest rate will increase from 5.2%/year to 5.45%/year with a term of 12-13 months.

For MBV bank, the highest savings interest rate is 5.9%/year, applied to both counter and online deposits with terms of 18-36 months, interest paid at the end of the term.

The remaining terms have a difference in interest rates between counter savings and online savings.

According to MBV's online savings interest rate table, the interest rate for 1-month term is up to 4.1%/year, 2-month term is 4.2%/year, 3-month term is 4.4%/year, 4-5-month term is up to 4.7%/year (the highest rate in the market today).

MBV lists online savings interest rates for 6-8 month terms at 5.5%/year, 9-11 month terms at 5.7%/year and 12 month terms at 5.8%/year.

Compared to online deposits, interest rates at the counter for terms from 1-12 months at MBV are lower than the common rate of 0.2%/year.

At VCBNeo , although the highest online deposit interest rate is only 5.55%/year, applied for terms of 13-36 months, this bank is leading in terms of deposit interest rates under 6 months.

Accordingly, the online deposit interest rate for 1-2 month term announced by VCBNeo is 4.35%/year, 3-4 month term is 4.55%/year and 5 month term is up to 4.7%/year.

VCBNeo listed an interest rate of 5.6%/year for online deposits with a term of 6-7 months, but the interest rate for an 8-month term is only 5.4%/year and for a 9-11-month term is 5.45%/year.

VCBNeo is listing the 12-month online deposit interest rate at 5.5%/year.

Compared to online deposit interest rates, VCBNeo lists counter interest rates 0.1-0.2% lower per year, at 5.45% per year, applicable for terms of 12-36 months.

ONLINE DEPOSITS INTEREST RATES AT BANKS ON AUGUST 20, 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 3.95 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

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-20-8-2025-ngan-hang-0-dong-dan-dau-ve-lai-suat-2433881.html