In the form of announcing the terms to which the “special interest rate” is applied, the Military Commercial Joint Stock Bank ( MB ) has just adjusted the interest rate for deposits of 1-5 months by 0.2%/year. This special interest rate program is applied from now until May 31, 2025 without specifying a minimum deposit amount.

According to the online deposit interest rate table just announced by MB, deposit terms from 1 to 5 months are applied with a special interest rate of 0.2%/year higher than the normal interest rate (maximum for each term according to the regulations of the State Bank of Vietnam from time to time).

Accordingly, the latest 1-month term deposit interest rate is 3.9%/year, 2-month term deposit interest rate is 4%/year, and 3-5 month term deposit interest rate is 4.2%/year.

MB keeps the bank interest rates for the remaining terms unchanged. Currently, the bank interest rates for 1-week, 2-week, and 3-week terms are 0.5%/year, equal to the ceiling interest rate as regulated by the State Bank of Vietnam. This is also the common interest rate applied by banks.

Meanwhile, MB listed online savings interest rates for 6-11 month terms at 4.6%/year, savings interest rates for 12-18 month terms at 5%/year, and the highest savings interest rates for 24-36 month terms, up to 5.9%/year.

This is the second time in April (and also the second time in 2025) that MB has adjusted its deposit interest rates. Previously, on April 3, 2025, the bank reduced its 12-18 month term interest rates by 0.1% per year.

Another banking giant, Techcombank, has also just adjusted its deposit interest rates, but not to increase them but to decrease them.

With a 0.1%/year reduction in interest rates for terms from 1 to 36 months, the online interest rates applied to Techcombank's deposit accounts under 1 billion VND are currently as follows:

Interest rate for 1 – 2 month term is 3.15%/year; 3 – 5 month term is 3.45%/year; 6 – 11 month term is 4.45%/year; and 12 – 36 month term is 4.65%/year.

A similar reduction also occurred with the savings interest rate schedule applied to deposit accounts from 1 billion VND to less than 3 billion VND; and deposit accounts from 3 billion VND.

Online deposit interest rates applied to deposit accounts from 1 billion VND to under 3 billion VND are as follows: Term 1 - 2 months 3.25%/year; Term 3 - 5 months 3.55%/year; Term 6 - 11 months 4.5%/year; and Term 12 - 36 months interest rate is 4.7%/year.

Online deposit interest rates applied to deposit accounts from 3 billion VND, which is also the highest deposit interest rate at Techcombank, are listed as follows: Term 1 - 2 months 3.35%/year; Term 3 - 5 months 3.55%/year; Term 6 - 11 months 4.55%/year; and Term 12 - 36 months 4.75%/year.

Previously, Techcombank also reduced interest rates by 0.1%/year for terms from 1 to 36 months on March 10, 2025.

Since the meeting between the State Bank of Vietnam and commercial banks on interest rates on February 25, 2025, 29 domestic commercial banks have reduced their deposit interest rates by 0.1 - 1.05%/year. In April alone, a series of banks reduced their deposit interest rates, including VPBank, MB, Eximbank, Nam A Bank, OCB , VCBNeo, GPBank, Techcombank, and Viet A Bank.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON APRIL 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 3.2 3.9 5.4 5.5 5.7 5.5
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.7 4 5.15 5.25 5.6 5.9
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 4.1 5.1 5.2 5.3 5.7
GPBANK 3.75 3.85 5.65 5.75 5.95 5.95
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 3.9 4.2 4.6 4.6 5 5
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 3.15 3.45 4.45 4.45 4.65 4.65
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 3.9 4.8 4.8 5.3 5.3
Gold price today April 29, 2025: Continuous decrease, SJC gold falls below 120 million VND Gold price today April 29, 2025 turned down in the trading session in the US market. Domestic gold bar price yesterday decreased by 1.5 million VND/tael, losing the 120 million VND/tael mark.

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-29-4-2025-ap-dung-lai-suat-dac-biet-tang-0-2-nam-2396193.html