Bank interest rates today December 3, 2025: More banks join the 'hot' race

Exactly one month after increasing deposit interest rates from 0.1% - 0.35%/year for terms from 1-36 months (November 3), Vietnam Joint Stock Commercial Bank for Industry and Trade (BVBank) continued to adjust the increase from 0.05% - 0.3%/year.

According to the online interest rate table for late-term interest payments posted by BVBank this morning (December 3), the 1-month term interest rate increased by 0.1%/year to 4.4%/year. The 2-month term interest rate was adjusted by the bank to increase by 0.2%/year to 4.6%/year. This increase is also applied by BVBank to term deposits from 3-5 months.

Currently, deposit interest rates for all three terms are simultaneously listed at 4.7%/year, close to the ceiling interest rate prescribed for deposits with terms of less than 6 months.

Online savings interest rate with interest paid at the end of the term, 6-month term also increased by 0.2%/year to 5.5%/year; 7-month and 8-month terms are 5.55% and 5.6%/year respectively, both increased by 0.25%/year.

The highest interest rate increase is for the 9-month term, up 0.3%/year to 5.75%/year. This is also the 10-month term deposit interest rate after being adjusted up 0.25%/year.

BVBank increased the 12-month term interest rate by 0.2%/year to 5.8%/year; the 15- and 18-month terms increased slightly by 0.05%/year to 5.85%/year and 5.95%/year, respectively.

Notably, the highest mobilization interest rate is newly listed by BVBank at 6%/year for a 24-month term after increasing by 0.05%/year.

BVBank applied a similar interest rate increase to over-the-counter deposits with terms from 1-12 months, while interest rates for 15-60 month deposits remained unchanged.

Specifically, the interest rate for deposits at the counter, interest paid at the end of the term, 1-month term is 4.3%/year, 2-month term is 4.5%/year, 3-5-month term is 4.6%/year, 6-month term is 5.4%/year, 7-month term is 5.45%/year, 8-month term is 5.5%/year, 9-month term is 5.6%/year, 10-month and 11-month terms are 5.65%/year and 12-month term is 5.7%/year.

BVBank's interest rates for 15-60 month term savings at the counter remain the same as follows: 15 month term is 5.75%/year, 18 month term is 5.85%/year, 24 month term is 5.9%/year, 36 month term is 5.95%/year, 49 month term is 6%/year and the highest savings interest rate is 6.1%/year for 60 month term.

In addition to BVBank, banks listed deposit interest rates from 6%/year for some terms, including: Bac A Bank , HDBank, MB, MBV, OCB, PVCombank, VCBNeo, Vikki Bank...

BVBank is one of the most active banks in launching programs to attract deposits recently, including adding interest rates for depositors.

Accordingly, the actual interest rate received at BVBank in November was up to 4.75%/year for 1-month term; 6.6%/year for 6-month term deposits; 6.8%/year for 12-month term deposits and the highest was up to 6.9%/year for 15-month term deposits.

This bank also announced to give additional interest when saving in groups of 2-5 customers (family, friends, colleagues...) until December 31, 2025.

Specifically, BVBank offers an additional interest rate of 0.2%/year for deposits from 200 million to under 500 million VND; 0.3%/year for deposits from 500 million to under 1 billion VND and 0.4%/year for deposits from 1 billion VND or more.

The bank also announced the issuance of deposit certificates (minimum 10 million VND) from October 24 to December 31, with the highest interest rate of up to 6.3%/year for a 15-month term, 6.2%/year for a 12-month term, 6.1%/year for a 9-month term and 6%/year for a 6-month term.

Since December, the first bank to increase savings interest rates is MB with an increase of 0.2%-0.6%/year, terms from 1-60 months.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON DECEMBER 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	2.4	2.8	3.9	3.9	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	4.55	4.55	6.2	6.25	6.3	6.5
BAOVIETBANK	4.5	4.65	5.65	5.5	5.8	5.9
BVBANK	4.4	4.7	5.5	5.7	5.8	5.95
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBANK	3.9	4	5.55	5.65	5.85	5.85
HDBANK	4.2	4.3	5.5	5.3	5.8	6.1
KIENLONGBANK	3.9	3.9	5.3	5.1	5.5	5.45
LPBANK	3.9	4.2	5.6	5.6	5.65	5.65
MB	4.5	4.65	5.3	5.3	5.35	5.5
MBV	4.6	4.75	5.7	5.7	6	6
MSB	3.9	3.9	5	5	5.6	5.6
NAM A BANK	4.6	4.75	5.7	5.6	5.7	5.9
NCB	4.3	4.5	5.75	5.75	5.8	5.7
OCB	4.45	4.5	5.45	5.45	5.55	6
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.8	4.1	5	5.2	5.6	6.3
SACOMBANK	4	4.2	5	5.1	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	3.95	4.75	5.65	5.15	5.75	5.25
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VCBNEO	4.35	4.55	6.2	5.45	6.2	6.2
VIB	4	4.75	5	5	5.5	5.5
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	4.7	4.7	6.1	6.2	6.3	6.4
VPBANK	4.4	4.75	5.6	5.6	5.8	5.8