Special interest rates are set by some banks for customers with very large deposits, from 200 billion VND to thousands of billion VND. However, some banks set special interest rates with conditions such as priority customers.
Some banks are applying special interest rates for depositors such as: ABB, ACB , PVCombank, MSB, LPBank, Vikki Bank, HDBank,...
Of which, the highest special mobilization interest rate belongs to ABBank, up to 9.65%/year.
The condition to enjoy deposit interest rate up to 9.65%/year as set by ABBank is that customers deposit savings at the counter for a term of 13 months, with a deposit amount of 1,500 billion VND or more.
Meanwhile, the 13-month term deposit interest rate at the counter applied to regular customers at ABBank is 5.3%/year.
The second highest special interest rate belongs to PVCombank, up to 9%/year, 4-4.2%/year higher than the normal bank interest rate for the same term.
The condition to enjoy the special interest rate offered by PVCombank is that customers deposit savings at the counter for a term of 12 or 13 months, with a deposit amount of up to 2,000 billion VND. This is also the bank's most difficult condition to meet.
Meanwhile, interest rates for regular 12- and 13-month deposits at the counter are currently set at 4.8% and 5% per year, respectively.
At HDBank , special interest rates are specifically regulated for 12- and 13-month counter deposits, 7.7% and 8.1% respectively, 2.2%-2.4% higher per year than bank interest rates for the same term for regular customers.
To enjoy the deposit interest rate of 7.7% and 8.1%/year as above, the condition is that customers need to deposit a minimum balance of 500 billion VND.
At Vikki Bank, the special interest rate is listed 1.8%/year higher than the normal deposit interest rate at the counter.
Currently, this bank lists the interest rate at the counter for a 13-month term at 5.7%/year. Also for this term, if customers deposit from 999 billion VND or more, the savings interest rate is set higher by 1.8%/year, equivalent to an interest rate of 7.5%/year.
At ACB, the normal interest rate for 13-month deposits is only 4.5%/year, but if customers deposit 200 billion VND or more, the special interest rate they will receive will be 6%/year.
MSB is also a bank that applies special interest rates for depositors. However, instead of regulating the bank interest rate of over 8%/year for savings at the counter as before, the special interest rate regulated by MSB is applied to online savings, only 0.3%/year higher than normal savings.
Specifically, the special interest rate for 6-month term is 5.3%/year; the special interest rate for 12-month, 15-month and 24-month terms is 5.9%/year.
The conditions set by MSB are also very simple, just deposit 5 billion VND; at the time of opening a savings account, the customer does not have a savings account, deposit contract, or deposit certificate at MSB. Each customer at a time is only allowed to have 1 account opened under the special interest rate product at MSB.
Also with easier conditions to meet, LPBank said the maximum interest rate for customers who prioritize saving at the counter for a 13-month term is 5.5%/year, 0.3%/year higher than the normal interest rate applied for the same term.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JUNE 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 |
| 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 | 3.9 | 4.2 | 5.35 | 5.45 | 5.7 | 6 |
| 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 | 5.1 | 5.6 |
| GPBANK | 3.75 | 3.85 | 5.55 | 5.65 | 5.85 | 5.85 |
| 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 | 3.5 | 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 | 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 | 3.25 | 3.55 | 4.55 | 4.55 | 4.75 | 4.75 |
| 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 | 5.65 | 5.95 | 6 |
| VPBANK | 3.7 | 3.8 | 4.7 | 4.7 | 5.2 | 5.2 |
Source: https://baodaknong.vn/lai-suat-ngan-hang-hom-nay-3-6-2025-cao-nhat-gan-10-nam-danh-cho-tien-gui-tu-1-500-ty-dong-254452.html
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