Bank interest rates today November 3, 2025: A series of banks raised interest rates to over 6%/year

A number of commercial banks are listing deposit interest rates at 6% per year or higher. Some banks, although listing rates below 6% per year, apply a policy of adding interest to depositors, causing the actual interest rate to far exceed this threshold.

According to statistics, banks that are listing deposit interest rates from 6%/year or higher include HDBank, Bac A Bank , Vikki Bank, Eximbank...

Among them, Bac A Bank is leading the market after raising interest rates three times in just one month. According to the new interest rate schedule applied to deposits under 1 billion VND, this bank listed 6%/year for a 12-month term, the highest rate currently.

Deposits with a term of 13-15 months have an interest rate of 6.1%/year, while those with a term of 18-36 months are up to 6.3%/year.

With the savings interest rate table applied to deposit accounts from 1 billion VND or more, the interest rate is 0.2% higher than accounts under 1 billion VND.

Specifically, the interest rate for deposits with a term of 6-8 months is 6%/year, for a term of 9-11 months is 6.05%/year; for a term of 12 months is 6.2%/year, for a term of 13-15 months is 6.3%/year and for a term of 18-36 months the highest is up to 6.5%/year.

Thus, Bac A Bank is the only bank currently listing interest rates from 6%/year for terms of 6-12 months.

Another bank that is also in the leading group in terms of deposit interest rates is Vikki Bank . The online savings interest rate for a term of 12-13 months is listed by this bank at 6.1%/year, and for a term of 18-36 months it is up to 6.2%/year.

This rate has decreased by 0.1 percentage point after the recent adjustment, in which the 6-month term interest rate decreased from 6% to 5.9%/year.

At HDBank , the highest interest rate at the counter is 6%/year, applied to 18-month term deposits.

HDBank also listed the online deposit interest rate for a 15-month term at 6%/year, while the 18-month term is up to 6.1%/year.

At Eximbank , online deposit interest rates for 18-36 month terms have also increased to 6%/year, applicable to Infinite customers.

In addition, banks such as MB, LPBank , Techcombank, GPBank... although listed below 6%/year, actual interest rates can exceed this threshold thanks to additional policies at each time.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON NOVEMBER 3, 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
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	4.4	4.55	5.8	5.85	6	6.3
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	4.1	4.15	5.2	5.3	5.4	5.6
TECHCOMBANK	3.75	4.45	5.45	4.95	5.55	5.05
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	3.8	4	4.8	4.8	5	5.3
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	4.55	5.9	5.8	6.1	6.2
VPBANK	4	4.1	5	5	5.2	5.2