Bank interest rates today August 21, 2025: Banks compete to give interest rates to customers

According to the report on the developments of the foreign exchange market and the interbank market in the latest week (August 11-15) just announced by the State Bank, interbank interest rates for overnight, 1-week, and 2-week terms all decreased compared to the previous week.

Accordingly, the transaction turnover in the interbank market in VND during the week reached approximately VND 2,807,150 billion, an average of VND 561,430 billion/day, a decrease of VND 2,408 billion/day compared to the previous week.

USD transaction turnover converted to VND during the week reached about 705,049 billion VND, an average of 141,010 billion VND/day, an increase of 2,830 billion VND/day compared to the previous week.

Regarding average interest rates, average interest rates tend to decrease sharply in most key terms compared to the previous week.

Specifically, the average interest rates for overnight, 1-week and 1-month terms decreased by 1.14%/year, 0.94%/year and 0.49%/year to 4.67%/year, 4.70%/year and 4.88%/year, respectively.

For USD transactions, the average interest rate tends to fluctuate less than last week. Specifically, the average USD overnight interest rate remained unchanged and continued to be at 4.29%/year, the 1-week interest rate decreased slightly by 0.01%/year to 4.29%/year.

At commercial banks, deposit interest rates have remained almost unchanged since the beginning of August.

Currently, the highest bank interest rate, as announced by domestic commercial banks, is 6.1%/year, listed by HDBank for online deposits with a term of 18 months. In addition, HDBank also listed a deposit interest rate of 6%/year for online savings deposits with a term of 15 months.

6%/year is also the highest savings interest rate listed by Vikki Bank for online deposits with a term of 13 months or more.

For savings interest rates under 6 months, banks such as BaoViet Bank, VietBank, Vikki Bank, MBV, VCBNeo, Eximbank are listing the highest interest rates, commonly from 4.1-4.7%/year if depositing for 1-5 months.

Some commercial banks, although not officially increasing deposit interest rates, have a policy of giving additional interest rates to depositors for a certain period of time.

Of which, MB offers an additional interest rate of 0.3%/year for depositors with a term of 1-6 months; Techcombank offers an additional interest rate of 1%/year for deposits from 100 million VND with a term of 3, 6, 12 months from August 1-15.

Notably, Viet A Bank announced new interest rates for the following products: Dac Loc Savings with the highest mobilization interest rate of up to 6.3%/year; Dac Loi Savings with the highest interest rate of 6.4%/year and Dac Tai Savings with the highest interest rate of 6.8%/year.

Along with that, Eximbank announced the expansion of the “Combo Casa” savings product with online deposits, the highest savings interest rate is 6%/year with a term of 18-36 months applicable to Infinite customers.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON AUGUST 21, 2025 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
AGRIBANK	2.4	3	3.7	3.7	4.8	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