Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ) has just continued to increase deposit interest rates, with an increase of 0.25%/year for 3-5 month term deposits, thereby bringing the deposit interest rate for this term to the ceiling of 4.75%/year as prescribed for deposits with terms of less than 6 months.

In this adjustment, VPBank only applies interest rates to 3-5 month term deposits, while keeping the remaining terms unchanged.

According to the latest online deposit interest rate table with interest received at the end of the term posted by VPBank, the bank interest rate for 1-month term is 4.4%/year; the interest rate for 2-month term is 4.5%; the 3-5 month term increases by 0.25%/year to 4.75%/year.

Meanwhile, bank interest rates for 6-11 month terms remained at 5.6%, 12-18 month terms were 5.8%, and 24-36 month terms were 5.9%.

The term deposit interest rate of Phat Loc Thinh Vuong listed by VPBank is equal to the term deposit interest rate as above for terms from 1-18 months. However, the term interest rate of 24-36 months is listed at 6%/year - the highest rate listed by this bank.

According to VPBank's regulations, the minimum deposit for online term deposits is from VND 500,000, while the minimum deposit for Phat Loc Thinh Vuong term deposits is VND 10 million.

By listing the 3-5 month term interest rate at 4.75%/year, VPBank becomes the next bank after Bac A Bank , VIB, Techcombank, MBV, Nam A Bank to list the ceiling interest rate for these terms.

According to statistics, 21 banks have increased deposit interest rates since the beginning of November, including: Sacombank, VPBank, MB, HDBank , GPBank, BVBank, Techcombank, BaoViet Bank, PVCombank, LPBank, KienlongBank, MBV, Bac A Bank, Vikki Bank, Nam A Bank, NCB, VIB, TPBank, OCB, VCBNeo, VietinBank.

Of these, 4 banks have increased interest rates twice this month: BaoViet Bank, Techcombank, LPBank and VPBank.

Besides increasing deposit interest rates, many banks are racing to mobilize capital by adding interest rates and giving gifts to depositors, including large banks such as Vietcombank, VietinBank, Agribank, and Techcombank.

ONLINE DEPOSITS INTEREST RATES OF BANKS ON NOVEMBER 28, 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 2.4 2.8 3.9 3.9 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 4.55 4.55 6.2 6.25 6.3 6.5
BAOVIETBANK 4.5 4.65 5.65 5.5 5.8 5.9
BVBANK 4.3 4.5 5.3 5.3 5.6 5.9
EXIMBANK 4.3 4.5 4.9 4.9 5.2 5.7
GPBANK 3.9 4 5.55 5.65 5.85 5.85
HDBANK 4.2 4.3 5.5 5.3 5.8 6.1
KIENLONGBANK 3.9 3.9 5.3 5.1 5.5 5.45
LPBANK 3.9 4.2 5.5 5.6 5.65 5.65
MB 3.9 4.2 4.9 4.9 5.2 5.3
MBV 4.6 4.75 5.7 5.7 6 6
MSB 3.9 3.9 5 5 5.6 5.6
NAM A BANK 4.6 4.75 5.7 5.6 5.7 5.9
NCB 4.3 4.5 5.75 5.75 5.8 5.7
OCB 4.45 4.5 5.45 5.45 5.55 6
PGBANK 3.4 3.8 5 4.9 5.4 5.8
PVCOMBANK 3.8 4.1 5 5.2 5.6 6.3
SACOMBANK 4 4.2 5 5.1 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 4.1 4.15 5.2 5.3 5.4 5.6
TECHCOMBANK 3.95 4.75 5.65 5.15 5.75 5.25
TPBANK 3.9 3.9 5.1 5.3 5.5 5.7
VCBNEO 4.35 4.55 6.2 5.45 6.2 6.2
VIB 4 4.75 5 5 5.5 5.5
VIET A BANK 3.7 4 5.1 5.1 5.6 5.8
VIETBANK 4.1 4.4 5.4 5.4 5.8 5.9
VIKKI BANK 4.7 4.7 6.1 6.2 6.3 6.4
VPBANK 4.4 4.75 5.6 5.6 5.8 5.8

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-28-11-2025-them-ong-lon-tang-cao-nhat-ky-han-ngan-2467291.html