Bank interest rates today October 31, 2025: Increased 3 times a month in a row

Bac A Commercial Joint Stock Bank ( Bac A Bank ) has just become the only bank to date to have adjusted its deposit interest rates three times in October. This bank continues to increase its savings interest rates, with the highest listed rate reaching 6.5%/year.

According to the interest rate schedule for deposits under 1 billion VND, interest paid at the end of the term, Bac A Bank's 1-2 month term interest rate increased by 0.2%/year to 4.4%/year, becoming the bank with the highest interest rate for these two terms.

Meanwhile, savings interest rates for terms of 3-5 months remain unchanged at 4.55%/year.

Interest rates for 6-36 month term savings have increased by 0.2% per year. Accordingly, the latest 6-8 month term savings interest rate is 5.8% per year, 9-11 month term is 5.85% per year; 12 month term reaches 6% per year, 13-15 month term increases to 6.1% per year.

The highest deposit interest rate applied by Bac A Bank for deposit accounts under 1 billion VND increased to 6.3%/year, applied for terms from 18-36 months.

For savings accounts from 1 billion VND, the interest rate increase is similar with an increase of 0.2%/year for 1-2 month terms and 6-36 month terms.

Specifically, the savings interest rate for 1-2 month terms increased to 4.6%/year, while the 3-5 month term remained at 4.75%/year because this was the ceiling interest rate according to regulations.

Notably, Bac A Bank became the second bank after Vikki Bank to list an interest rate of 6%/year for term deposits from 6 months. With an increase of 0.2%/year, the term savings interest rate for 6-8 months for deposits from 1 billion VND at Bac A Bank officially increased to 6%/year from October 31. The latest term savings interest rate for 9-11 months is 6.05%/year.

The latest 12-month savings interest rate also increased to 6.2%/year and the 13-15 month term increased to 6.3%/year.

The highest savings interest rate applied by Bac A Bank for deposits from 1 billion VND is up to 6.5%/year, term from 18 to 36 months.

After 3 consecutive interest rate increases since the beginning of October, the mobilization interest rate at Bac A Bank has increased from 0.45% - 0.65%/year, becoming the bank with the highest mobilization interest rate at present.

According to statistics, 10 banks increased their deposit interest rates in October, including: Sacombank, GPBank, NCB, Vikki Bank, Bac A Bank, VCBNeo, HDBank, VIB, Techcombank andSHB . Of which, Bac A Bank is the only bank that increased interest rates 3 times in the month.

According to the State Bank of Vietnam's report, the amount of money deposited by Vietnamese people at credit institutions reached nearly 8 million billion VND, an increase of nearly 13% over the same period last year.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON OCTOBER 31, 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	4.4	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	4.45	6	6	6.2	6.2
VPBANK	4	4.1	5	5	5.2	5.2