Bank interest rates today October 30, 2025: Strong increase and big interest rate bonus

The market continues to record 3 more large commercial banks increasing deposit interest rates, including Techcombank,SHB and VIB, after 7 commercial banks have increased deposit interest rates since the beginning of October.

After increasing the deposit interest rate by 0.5%/year for terms of 3, 6, and 12 months in mid-August 2025, Techcombank has just made a new move to attract customer deposits.

According to the online interest rate schedule applied by Techcombank for Phat Loc Online deposit products, the bank interest rate for 1-2 month term increased by 0.3%/year to 3.75%/year.

Bank interest rates for 3-5 month terms have increased by 0.2% per year. This has raised the 3-month savings interest rate to 4.45% per year, while the latest 4-5 month term is 3.95% per year.

Techcombank also adjusted the interest rate for deposits of remaining terms, from 6 months to 36 months, up by 0.3% per year.

Accordingly, the 6-month deposit interest rate increased to 5.45%/year; the 7-11-month deposit interest rate approached the 5%/year mark when it was listed at 4.95%/year.

The 12-month deposit interest rate continued to increase to 5.55%/year, this is the highest mobilization interest rate listed by this bank at the present time.

Online deposit interest rates for terms from 13-36 months at Techcombank have also officially exceeded the threshold of 5%/year when they were newly listed at 5.05%/year.

In addition to officially increasing deposit interest rates, Techcombank is also implementing a preferential interest rate program, adding up to 1%/year when depositing an additional 20 million VND from 1-31 with a term of 3, 6, or 12 months, applicable to Phat Loc Online deposit products.

Thus, the highest savings interest rate if meeting the bank's conditions can be up to 4.75%/year for a 3-month term (cannot exceed the prescribed ceiling), 6.45%/year for a 6-month term deposit and 6.55%/year for a 12-month term deposit.

At VIB Bank , the deposit interest rate table maintained from the beginning of March 2025 has also been officially adjusted in an upward direction.

Accordingly, VIB's online deposit interest rate for 1-2 month term increased by 0.1%/year, listed at 3.8% and 3.9%/year, respectively.

Bank interest rates for 3-5 month terms increased by 0.2%/year to 4%/year, thereby becoming the next bank to list deposit interest rates from 4%/year for terms under 6 months.

Interest rates for terms of 6 months or more have been increased by 0.1%/year by VIB. Specifically, the latest online savings interest rate for terms of 6-11 months is 4.8%/year, for terms of 12 months is 5%/year, for terms of 15-18 months is 5.3%/year and the highest is for terms of 24-36 months with 5.4%/year.

Previously, from October 4, VIB added interest rates of up to 1%/year for Premier priority customers; 0.7%/year for Priority customers/Diamond customers/new customers depositing money in the month (first month of transaction at VIB) with terms from 1-36 months.

This bank also adds an interest rate of 0.6%/year for Sapphire payroll customers; 0.5%/year for Sapphire/iBusiness customers with term deposits from 1-36 months, effective from October 4.

Also increasing interest rates on this occasion is SHB Bank with the highest interest rate increase of up to 0.6%/year.

According to the latest online deposit interest rate table posted by SHB, the deposit interest rate for 1-2 month term increased sharply by 0.6%/year to 4.1%/year; 3 month term increased by 0.35%/year to 4.15%/year, 4-5 month term increased by 0.45%/year to 4.25%/year; 6 month term increased to 5.2%/year after increasing by 0.3%/year.

Terms from 7-11 months also increased by 0.3%/year to 5.3%/year.

Interest rates for 12-month terms increased slightly by 0.1%/year to 5.4%/year, and for 13-24-month terms increased by 0.1%/year to 5.6%/year. Meanwhile, online deposit interest rates for 36-month terms remained unchanged at 5.8%/year.

Thus, 10 domestic commercial banks have officially increased their deposit interest rates in October, including: Sacombank, GPBank, NCB, Vikki Bank, Bac A Bank, VCBNeo, HDBank, VIB, Techcombank and SHB. Of which, Bac A Bank is the bank that increased its interest rates for the second time in the month.

This is also the month with the most banks increasing interest rates since the beginning of the year.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON OCTOBER 30, 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	3.1	3.8	5.3	5.4	5.6	5.4
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	4.2	4.55	5.6	5.65	5.8	6.1
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	4.45	6	6	6.2	6.2
VPBANK	4	4.1	5	5	5.2	5.2