Bank interest rates today December 3, 2025: Interbank interest rates increase sharply

Bank interest rates continued to increase today, December 3, when BVBank followed MB in adjusting its mobilization rate by 0.05% - 0.3%/year. The pressure to accelerate credit at the end of the year is the main reason.

BVBank increased interest rates for the second time in December

Today's bank interest rates show that BVBank continues to raise its deposit interest rates just one month after the previous increase. The bank adjusted the rates by 0.05% - 0.3% per year for many terms from 1 to 36 months.

Online interest rates for 1-month terms increased to 4.4%/year, 2-month terms increased to 4.6%/year. 3-5 month terms are all fixed at 4.7%/year, approaching the ceiling for the group under 6 months.

The 6-month term increased to 5.5%/year; the 7-month and 8-month terms increased to 5.55% - 5.6%/year. The 9-month term recorded the strongest increase to 5.75%/year, equivalent to the 10-month term after adjustment.

The 12-month term increased to 5.8%/year, while the 15- and 18-month terms increased to 5.85% and 5.95%/year, respectively. BVBank's highest rate is listed at 6%/year for the 24-month term.

The interest rate at the counter is also adjusted similarly for terms of 1 - 12 months. From 15 months and up, the interest rate remains the same, the highest is 6.1%/year for a term of 60 months.

In addition to BVBank, many banks still list 6%/year for some terms such as Bac A Bank , HDBank, MB, OCB, PVCombank, VCBNeo, Vikki Bank.

BVBank continues to promote its group interest bonus program. Depositors of 2-5 people receive an additional 0.2% - 0.4% per year depending on the amount. The bank is also selling certificates of deposit with interest rates of 6% - 6.3% per year for terms of 6-15 months.

Before BVBank, MB was the first bank to sharply increase interest rates in December with an adjustment of 0.2% - 0.6%/year.

Interbank interest rates rise to two-year high

Bank interest rates in the interbank market increased rapidly due to year-end capital demand. Overnight interest rates rose to 7%, the highest level since November 2022. One-week and one-month terms also increased to 7.3% and 6.95%.

USD interest rates on the interbank market increased slightly to 3.92% overnight.

System liquidity is under pressure as credit growth is faster than mobilization. As of October 30, total system-wide debt growth reached 15% and is expected to reach 19% - 20% by the end of the year.

According to VIS Rating, the loan-to-deposit ratio has risen to 111%, the highest in 5 years. Small banks are under the greatest pressure due to their dependence on short-term funding. In this context, cash flow from the State Treasury has become an important supporting factor.

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Source: https://baonghean.vn/lai-suat-ngan-hang-hom-nay-3-12-2025-lai-suat-lien-ngan-hang-tang-manh-10313618.html