Bank interest rates today January 21, 2025, after a bustling period at the beginning of the month, the interest rate market has calmed down again in the days before the Lunar New Year At Ty. Which bank has increased the maximum interest rate for 3-month deposits?
Today, January 21, the market did not record any bank adjusting deposit interest rates. The number of banks that have increased deposit interest rates since the beginning of 2025 stopped at 7, while 6 banks reduced deposit interest rates.
Notably, Eximbank and Kienlongbank have increased deposit interest rates twice, while Techcombank has also reduced interest rates twice during this period.
According to statistics on 3-month online deposit interest rates at banks today, there are up to 19 banks listing interest rates for this term at 4%/year or higher.
In particular, Modern Vietnam Bank (MBV) listed the highest bank interest rate for 3-month term deposits, up to 4.6%/year.
Vietnam Export Import Bank (Eximbank) also listed the highest 3-month term bank interest rate at present, reaching the ceiling of 4.75%/year.
However, Eximbank only applies this savings interest rate to online deposits on weekends. The interest rate applied to working days during the week is 4.3%/year.
Nam A Bank and Viet Nam Thuong Tin Commercial Joint Stock Bank (VietBank) are also two banks in the leading group in terms of 3-month deposit interest rates, at 4.5% and 4.4% per year, respectively.
Banks: Bao Viet (BaoViet Bank), Vietnam Construction (CB) and Indovina Bank (IVB) all listed 3-month deposit interest rates at 4.35%/year.
Meanwhile, the group of banks: DongA Bank, Eximbank, Kien Long (Kienlongbank) and National Bank (NCB) all listed interest rates at 4.3%/year.
The interest rate of 4.2%/year for 3-month term deposits is being applied at Bac A Bank and Orient Commercial Bank (OCB).
Only Maritime Bank (MSB) listed online deposit interest rate for 3-month term at 4.1%/year.
Banks: Ban Viet (BVBank) and Global Petroleum (GPBank) respectively listed interest rates of 4.05% and 4.02%/year for 3-month online deposits.
There are up to 4 banks listing the mobilization interest rate of 4%/year for this term, including: Military Bank (MB), Tien Phong Bank (TPBank), Viet A Bank (Viet A Bank) and Vietnam Prosperity Bank ( VPBank ).
On the contrary, SCB and 4 state-owned commercial banks are the banks listing the lowest interest rates for 3-month term deposits (and are also the banks listing the lowest mobilization interest rates for all terms).
Currently, the 3-month deposit interest rate at SCB and Vietcombank is only 1.9%/year, this interest rate has been maintained by the two banks for nearly a year.
BIDV and VietinBank both pay interest rates of 2.3%/year for 3-month online deposits, while Agribank, after several interest rate increases, has raised its interest rate to 3%/year.
| INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON JANUARY 21, 2025 (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| AGRIBANK | 2.4 | 3 | 3.7 | 3.7 | 4.7 | 4.7 |
| 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 | 3.8 | 5.6 | 5.7 | 5.7 | 5.6 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 | |
| BAC A BANK | 3.9 | 4.2 | 5.35 | 5.45 | 5.8 | 6.2 |
| BAOVIETBANK | 3.3 | 4.35 | 5.2 | 5.4 | 5.8 | 6 |
| BVBANK | 3.9 | 4.05 | 5.4 | 5.7 | 6 | 6.3 |
| CBBANK | 4.15 | 4.35 | 5.85 | 5.8 | 6 | 6 |
| DONGA BANK | 4.1 | 4.3 | 5.55 | 5.7 | 5.8 | 6.1 |
| EXIMBANK | 4 | 4.3 | 5.3 | 4.5 | 5.5 | 6.7 |
| GPBANK | 3.5 | 4.02 | 5.35 | 5.7 | 6.05 | 6.15 |
| HDBANK | 3.85 | 3.95 | 5.3 | 4.7 | 5.6 | 6.1 |
| IVB | 4 | 4.35 | 5.35 | 5.35 | 5.95 | 6.05 |
| KIENLONGBANK | 4.3 | 4.3 | 5.8 | 5.8 | 6.1 | 6.1 |
| LPBANK | 3.6 | 3.9 | 5.1 | 5.1 | 5.5 | 5.8 |
| MB | 3.7 | 4 | 4.6 | 4.6 | 5.1 | 5.1 |
| MBV | 4.3 | 4.6 | 5.5 | 5.6 | 5.8 | 6.1 |
| MSB | 4.1 | 4.1 | 5 | 5 | 6.3 | 5.8 |
| NAM A BANK | 4.3 | 4.5 | 5 | 5.2 | 5.6 | 5.7 |
| NCB | 4.1 | 4.3 | 5.45 | 5.55 | 5.7 | 5.7 |
| OCB | 4 | 4.2 | 5.2 | 5.2 | 5.3 | 5.5 |
| PGBANK | 3.4 | 3.8 | 5 | 5 | 5.5 | 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 | 5.8 | 6 |
| 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 | 5 | 5.1 | 5.5 | 5.8 |
| TECHCOMBANK | 3.35 | 3.65 | 4.45 | 4.45 | 4.85 | 4.85 |
| TPBANK | 3.7 | 4 | 4.8 | 5.3 | 5.5 | |
| VIB | 3.8 | 3.9 | 4.9 | 4.9 | 5.3 | |
| VIET A BANK | 3.7 | 4 | 5.2 | 5.4 | 5.7 | 5.9 |
| VIETBANK | 4.2 | 4.4 | 5.4 | 5 | 5.8 | 5.9 |
| VPBANK | 3.8 | 4 | 5 | 5 | 5.5 | 5.5 |
According to statistics from the beginning of January 2025 to now, 7 banks have increased their deposit interest rates, including: Agribank, Bac A Bank, NCB, MBV, Eximbank (twice), KienlongBank (twice), VietBank. However, NCB and Agribank also simultaneously reduced interest rates for terms of 12-36 months. Also reducing interest rates are ABBank, SeABank, Nam A Bank, Techcombank (twice). |
Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-21-1-2025-ky-han-3-thang-cao-nhat-2365128.html
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