Bank interest rates today October 29, 2025: Continuously adding interest rates for depositors

Continuously offering additional savings interest rates to customers since September, Military Commercial Joint Stock Bank (MB) continues to announce a new interest rate incentive program to mobilize deposits from customers.

According to the latest announcement of MB, this bank will give additional savings interest rates to customers depositing money with an additional interest rate of up to 0.8%/year when making online savings deposits from October 28 to November 12, 2025.

In addition, during the implementation of this preferential interest rate program, customers also have the opportunity to win a Vinfast 8 Plus car and other electric motorbike prizes.

According to MB, each customer who deposits at least 20 million VND on the digital channel will receive 1 prize code and a maximum of 150 prize codes/week.

The condition for customers to receive an additional interest rate of 0.8%/year compared to the listed bank interest rate is that customers choose a deposit term of 2 months, 3 months, 6 months, or 9 months, receive interest at the end of the term, with a deposit amount of 30 million VND or more.

In case after applying incentives, the post-incentive mobilization interest rate is higher than the ceiling mobilization interest rate of the State Bank, the final applied interest rate is the ceiling interest rate according to the regulations of the State Bank, i.e. not exceeding 4.75%/year for deposits with a term of less than 6 months.

According to the online deposit interest rate table currently posted by MB, the 2-month term deposit interest rate with interest paid at the end of the term is 3.6%/year, the 3-month term deposit interest rate is 3.8%/year, and the 6-9 month term deposit interest rate is 4.4%/year.

With an additional interest rate of 0.8%/year for customers depositing savings of 30 million VND or more, the actual interest rate customers receive will be: 4.4%/year for a 2-month term, 4.6%/year for a 3-month term, and 5.2%/year for a 6- and 9-month term.

Previously, MB also offered a 0.8% annual interest rate to customers who deposit money online from September 29 to October 14, 2025. As soon as this program ended, MB immediately launched a new interest rate promotion program, adding an interest rate of up to 0.5% per year when customers deposit savings and become MB members for 1 month, 6 months and 12 months. The corresponding membership fees are VND90,000, VND450,000 and VND810,000.

Specifically, customers will receive an additional interest rate of up to 0.5%/year when making online savings deposits for a term of 1-3 months, up to 500 million VND/book, and an additional 0.2%/year for the remaining terms, up to 300 million VND/book.

In addition to receiving additional interest when making online savings deposits, MB members also receive a 1% reduction in interest rates for card overdrafts or savings book mortgage loans; and a 10-15% discount when using services and shopping at units affiliated with MB.

This program is still being implemented by MB.

According to statistics from the beginning of October until now, 7 banks have increased their deposit interest rates, including: Sacombank, 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.

In addition, there are a series of banks that, although not increasing interest rates, have launched preferential interest rate programs by giving interest rates or gifts to depositors.

In particular, the highest additional interest rate is 1.5%/year applied by LPBank for customers making online savings deposits for terms of 3 months, 6 months, 12 months and 18 months.

Interbank interest rates fluctuate strongly

According to reports from credit institutions and foreign bank branches through the statistical reporting system of the State Bank, the transaction turnover in the interbank market during the week from October 20 to 24 in VND reached approximately VND 3,375,941 billion, an average of VND 675,188 billion/day, an increase of VND 27,887 billion/day compared to the previous week; the transaction turnover in USD converted to VND during the week reached approximately VND 658,930 billion, an average of VND 131,786 billion/day, an increase of VND 37,357 billion/day compared to the previous week.

By term, VND transactions mainly focus on overnight terms (94% of total VND transaction turnover) and 2-week terms (2% of total VND transaction turnover). For USD transactions, the terms with the largest turnover are overnight and 1-week terms with proportions of 90% and 7% respectively.

The average interest rate for VND transactions continued to increase compared to the previous week. Specifically, the average interest rate for some key terms such as overnight, 1 week and 1 month increased by 0.46%/year; 0.25%/year and 0.14%/year to 5.60%/year; 5.56%/year and 5.52%/year, respectively.

The average interest rate for USD transactions tends to be stable, fluctuating slightly compared to last week. Specifically, the overnight interest rate remains unchanged and remains at 4.1%/year; the 1-week interest rate slightly decreased by 0.01%/year to 4.14%/year; meanwhile, the 1-month interest rate slightly increased by 0.03%/year to 4.18%/year.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON OCTOBER 29, 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	3.8	4.1	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	5.9	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