Bank interest rates today May 28: Banks race...

The ladder interest rate, the more money you deposit, the higher the interest rate, has become familiar and is applied by many banks according to different deposit levels. Typically banks such as OCB, ACB , Techcombank, VPBank, Bac A Bank, VIB, GPBank or MB.

In addition to the ladder interest rate policy, some banks offer interest rate incentives to customers who deposit money for certain terms.

Among them, Techcombank, VPBank or SeABank, although not the banks paying the highest deposit interest rates, are flexible in attracting deposits.

Specifically, Techcombank will add interest rates of up to 0.5%/year for the first deposit in 2025 if customers save for 3-month, 6-month or 12-month terms.

According to Techcombank's online Phat Loc deposit interest rate table, the savings interest rates for 3, 6, and 12-month terms for newly opened accounts under 1 billion VND are 3.55%, 4.55%, and 4.75%/year, respectively.

With the policy of adding interest to the first deposit in 2025, the actual interest rates of the above 3 terms will be 4.05%, 5.05% and 5.25%/year, respectively.

Even if the deposit is from 3 billion VND or more, the bank interest rate after adding 0.5%/year will be 4.25%/year for 3-month term deposits; 5.15%/year for 6-month term deposits and 5.35%/year for 12-month term deposits.

At SeABank , customers will receive an interest rate incentive of up to 0.5%/year when making online savings deposits for 6-month, 12-month and 13-month terms, with a deposit amount of 100 million VND or more.

According to the online interest rate schedule for receiving interest at the end of the term applied by SeABank to individual customers, the 6-month term interest rate is 3.95%/year, the 12-month term interest rate is 4.7%/year.

With an additional interest rate of up to 0.5%/year, the 6-month term bank interest rate at SeABank is 4.45%/year, the 12-month term bank interest rate is 5.2%/year.

At VPBank , the bank has recently reduced its deposit interest rates twice in a row, but the bank still maintains the bonus interest rate for depositors. Notably, the bonus interest rate applies to all deposit products with terms of 1 month or more.

Accordingly, customers in the Private segment who deposit for a minimum term of 1 month will enjoy the interest rate specified by the corresponding interest rate on the mobilization interest rate table plus the following interest rate:

For deposits from 100 million VND to less than 500 million VND, the additional interest rate is 0.1%/year; for deposits from 500 million VND or more, the additional interest rate is 0.3%/year.

Customers in the priority deposit segment with a minimum balance of VND 100 million and a minimum term of 1 month will enjoy a savings interest rate equal to the corresponding interest rate on the current mobilization interest rate table and an additional 0.1%/year from VPBank.

Middle-class customers (potential customers) who deposit money with a minimum balance of VND 50 million and a minimum term of 1 month will also enjoy a savings interest rate, determined by the corresponding savings interest rate on the current mobilization interest rate table plus an interest rate from 0.03 to 0.08%/year, applied to different categories.

In addition, the additional interest rate is also applied to customers participating in the Priority Family Banking service for new deposits, with a minimum balance of VND 100 million and a minimum term of 1 month at VPBank.

Following the call for reduction of deposit and lending interest rates by the Prime Minister and the State Bank of Vietnam, most banks reduced deposit interest rates in late February and in March.

However, in April and May, the number of banks reducing deposit interest rates gradually decreased. Since the beginning of May, only 4 banks have reduced deposit interest rates, including VPBank (twice), MB (twice), Eximbank (twice) and GPBank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON MAY 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	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	4.15	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	3.8	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	5.95	6	6
VPBANK	3.7	3.8	4.7	4.7	5.2	5.2