Bank interest rates today October 24, 2025: Big 4 joins the race to mobilize deposits

After Vietcombank and a series of joint stock commercial banks and limited liability commercial banks, a bank in the Big 4 group - Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) has recently joined the race to mobilize deposits at the end of the year, by launching many incentives for customers making savings deposits.

According to VietinBank 's announcement, from October 13 to October 31, individual customers who deposit savings at the bank's counter will receive cash or in-kind gifts worth up to VND800,000.

Specifically, individual customers who deposit at the counter from 200 million VND, with a term of 1-36 months, can receive gifts worth from 50,000 VND to 80,000 VND. The value of the gift depends on the amount of deposit as well as the method of calculating the deposit interest rate chosen by the customer (interest paid in arrears/paid in advance/paid periodically).

Customers who deposit from 200 million VND, term of 6 months or more will receive a beautiful account number worth 5 million VND from VietinBank.

Customers who deposit savings online will also receive double Loyalty points from VietinBank when depositing savings online from 1 million VND, with a term of 6 months or more.

Accordingly, for every 1 million VND deposited online, customers receive 20 Loyalty points instead of 10 points as usual. Bonus points are accumulated to exchange for gifts, shopping vouchers or service incentives in the VietinBank Loyalty ecosystem.

In addition, VietinBank also announced a bank interest rate 0.3-1% higher per year than the listed rate when customers deposit savings online for terms from 1 month to 10 months.

Currently, the online mobilization interest rate for terms of 1-10 months is listed by VietinBank at the same level as BIDV . The mobilization interest rate for terms of 1-2 months is 2%/year, for terms of 3-5 months is 2.3%/year, for terms of 6-10 months is 3.3%/year.

Previously, another Big 4 bank also planned to attract mobilized capital, Vietcombank. From September 25 to October 31, for each savings deposit of VND 1 billion or more at the transaction counter, Vietcombank will give VCB Loyalty points equivalent to 0.1% of the deposit amount to customers.

In addition, with a deposit at the counter or online from 30 million VND, with a term of 6 or 12 months, customers will be given a prize code. There is 1 special prize worth 1 billion VND, 10 first prizes worth 100 million VND each and 20 second prizes worth 50 million VND each.

Techcombank also previously announced an additional interest rate of up to 1%/year for customers making "Phat Loc Online" savings deposits for terms of 3, 6 and 12 months, applicable to amounts from 20 million VND, from October 1-31.

In addition to the above-mentioned "big guys", a series of other joint-stock commercial banks and one-member limited liability commercial banks also launched incentives in the race to attract mobilized capital at the end of the year.

Prosperity Era Commercial Limited Liability Bank (GPBank) announced a preferential interest rate program for term savings deposits with an additional interest rate of up to 0.8%/year, applicable from January 13 to November 13.

Vikki Digital Commercial Limited Liability Bank (Vikki Bank) announced to offer an additional interest rate of 0.2%/year to female customers when making online savings deposits. The program lasts from October 20 to November 2.

Notably, with a savings account of 20 million VND and a minimum term of 1 month, Vikki Bank customers have the chance to win 1 tael of gold or 10 taels of SJC gold according to the lucky draw program.

From September 25 to December 31, Vietnam Thuong Tin Commercial Joint Stock Bank (VietBank) will give away gifts and lucky draw codes, with a special prize worth up to VND500 million. The program applies to term deposit products from 1-36 months, with the condition that the minimum savings amount is from VND25 million, and that part or all of the principal cannot be withdrawn before maturity.

A Korean bank, Woori Bank, announced an additional interest rate of up to 1.5%/year for customers depositing VND5 billion or more. In addition, the bank added a preferential interest rate of 0.2%/year to 1.2%/year for customers depositing money and registering for new Internet/Mobile Banking within the last 3 months, depending on the initial deposit amount.

With SeABank, this bank has long maintained a policy of adding savings interest rates of up to 0.5%/year when making online savings deposits of 100 million VND or more, with terms of 6, 12, and 13 months.

According to statistics, 6 banks have increased their deposit interest rates since the beginning of October, including: GPBank, NCB, Vikki Bank, Bac A Bank, VCBNeo, and HDBank. Of which, Bac A Bank is the first bank to increase interest rates for the second time in a month.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON OCTOBER 24, 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	4.2	4.55	5.6	5.65	5.8	6.1
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	3.8	3.9	5.35	5.45	5.65	5.65
HDBANK	4.05	4.15	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	4.1	4.3	5.45	5.55	5.7	5.7
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	5.6	5.8
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
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	5.9	5.45	5.8	5.8
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	4.35	4.45	6	6	6.2	6.2
VPBANK	4	4.1	5	5	5.2	5.2