Following a 0.1 percentage point/year reduction in over-the-counter deposit interest rates last week, Vietnam Prosperity Commercial Bank ( VPBank ) continues to adjust interest rates for terms ranging from 2 to 36 months.

Notably, in this latest interest rate adjustment, VPBank reduced interest rates for both over-the-counter and online deposits.

According to the deposit interest rate schedule at the counter for customers depositing from 1 to less than 3 billion VND, the interest rate for a 1-month term remains unchanged at 3.6%/year. This is also the latest deposit interest rate for terms of 2-5 months after VPBank reduced the interest rate for these terms by 0.1%/year.

Similarly, with a similar reduction, the latest over-the-counter savings interest rates for 6-11 month terms are 4.5%/year; 5%/year for 12-18 month terms and 5.1%/year for 24-36 month terms.

For deposits ranging from 3 billion VND to less than 10 billion VND, the interest rates for terms from 1-18 months are the same as the above-mentioned interest rate table. However, the interest rate for terms of 24-36 months is 5.2%/year.

The latest deposit interest rates at the counter, applicable to deposit accounts from VND 10 billion to less than VND 50 billion, are as follows: Interest rate for 1-5 month term is 3.7%/year, for 6-11 month term is 4.6%/year, for 12-18 month term is 5.1%/year, and for 24-36 month term is 5.3%/year.

The highest over-the-counter deposit interest rates offered by VPBank are for accounts with deposits of 50 billion VND or more. Currently, the interest rate for 1-5 month terms in this segment is 3.8%/year; 4.7%/year for 6-11 month terms, 5.1%/year for 12-18 month terms, and 5.3%/year for 24-36 month terms.

For online deposits, VPBank also maintained the interest rate for 1-month term deposits, while reducing the interest rate by 0.1%/year for terms from 2-36 months, across all deposit amounts.

Accordingly, the latest online savings interest rates applicable to deposit accounts under 3 billion VND are: 1-month term: 3.7%/year; 2-5 month term: 3.8%/year; 6-11 month term: 4.7%/year; 12-18 month term: 5.2%/year; and 24-36 month term: 5.3%/year.

Bank interest rates for terms from 1-18 months, applicable to deposits from 3 billion VND to less than 10 billion VND, are the same as those applied to deposits under 3 billion VND. However, the difference occurs for terms of 24-36 months, with the latest interest rate being 5.4% per year.

The latest online savings interest rates applicable to deposits from VND 10 billion to less than VND 50 billion are as follows: 1-month term: 3.8%/year, 2-5 month term: 3.9%/year, 6-11 month term: 4.8%/year, 12-18 month term: 5.3%/year, and 24-36 month term: 5.5%/year.

VPBank offers the highest savings interest rates for deposit accounts of 50 billion VND or more. Currently, the bank's interest rates are 3.9%/year for a 1-month term, 4%/year for 2-5 month terms, 4.9%/year for 6-11 month terms, 5.3%/year for 12-18 month terms, and 5.5%/year for 24-36 month terms.

Notably, VPBank continues to offer additional interest rates to customers in the Private deposit segment. For a minimum term of 1 month, customers will receive an additional 0.1%/year interest rate when depositing from 100 million to less than 500 million VND, and an additional 0.3%/year when depositing 500 million VND or more.

Despite continuously lowering interest rates on time deposits, VPBank is actively attracting demand deposits, helping customers maximize profits from idle funds in their accounts with a fixed interest rate of 3.5% per year. Meanwhile, the common interest rate for demand deposits is currently 0.1-0.5% per year.

This is also the fourth bank to reduce deposit interest rates since the beginning of May, along with MB, GPBank, and Eximbank. Of these, VPBank, MB, and Eximbank have already reduced interest rates twice since the beginning of May.

ONLINE DEPOSIT INTEREST RATE TABLE FOR BANKS ON MAY 26, 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
MB 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 3.9 5.4 5.5 5.7 5.5
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.9 4.2 5.35 5.45 5.7 6
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 5.1 5,6
GPBank 3.75 3.85 5.55 5.65 5.85 5.85
HDBANK 3.85 3.95 5.3 4.7 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 5,6
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 3.3 3.6 4.9 4.9 5.4 5,6
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 3.25 3.55 4.55 4.55 4.75 4.75
TPBANK 3.5 3.8 4.8 4.9 5.2 5.5
VCBNEO 4.15 4.35 5.4 5.45 5.5 5.55
VIB 3.7 3.7 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 5.95 6 6
VPBANK 3.7 3.8 4.7 4.7 5.2 5.2
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Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-26-5-2025-ong-lon-lien-tiep-dieu-chinh-lai-suat-2404764.html