Bank interest rates today, July 31, 2025, after exactly one year of silence, a bank suddenly announced new interest rates.
Saigon Thuong Tin Commercial Joint Stock Bank ( Sacombank ) has just unexpectedly announced a new deposit interest rate, exactly 1 year after the most recent adjustment date (August 1, 2024).
Sacombank's deposit interest rate schedule has remained unchanged despite fluctuations in bank interest rates over the past year. This can be considered an industry record for the length of time a stable deposit interest rate schedule has been maintained.
According to the latest bank interest rate schedule announced by Sacombank, online deposit interest rates for terms from 1-5 months have increased by 0.3%/year.
On the contrary, online deposit interest rates for terms from 6-36 months decreased by 0.1%/year.
With the above changes, the latest online savings interest rate table for individual customers receiving interest at the end of the term announced by Sacombank is as follows: 1-month savings interest rate is 3.6%/year; 2-month term is 3.8%/year and 3-5 month term is 3.9%/year.
After a reduction of 0.1%/year across the board, the interest rate for 6-11 month terms dropped to 4.8%/year; the interest rate for 12-13 month terms was 5.3%/year; the interest rate for 15 month terms was 5.4%/year and the interest rate for 18 month terms was 5.5%/year.
The highest interest rate for individual customers saving online is currently 5.6%/year, applied for a term of 24-36 months.
Notably, despite issuing many different savings mobilization products, Sacombank only adjusted the online mobilization interest rate table.
The remaining mobilization products such as: Traditional term savings at the counter, Phu Dong savings; Super flexible savings; Phuc Loc middle-aged savings; Deposits for the future; Tich Tai savings; Dac Loi medium-term savings,... all keep the same interest rates.
In particular, the traditional counter interest rate for individual customers receiving interest at the end of the term is still maintained by Sacombank, including:
Interest rate for term 1 to under 2 months is 2.8%/year; term 2 to under 3 months is 2.9%/year; term 3-5 months is 3.2%/year.
The interest rate for deposits at the counter for a term of 6-8 months is 4.2%/year; for a term of 9-11 months is 4.3%/year; for a term of 12-18 months is 4.9%/year; for a term of 24 months is 5%/year and for a term of 36 months is 5.2%/year.
Previously, 5 banks increased deposit interest rates in July, including: VCBNeo; VPBank; Techcombank; TPBank and Eximbank. On the contrary, Bac A Bank , VIB and BaoViet Bank are the banks that adjusted their savings interest rates down.
| INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 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 | 3.2 | 3.9 | 5.4 | 5.5 | 5.7 | 5.5 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 | |
| BAC A BANK | 3.8 | 4.1 | 5.25 | 5.35 | 5.5 | 5.8 |
| 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 | 3.95 | 4.05 | 5.65 | 5.75 | 5.95 | 5.95 |
| HDBANK | 3.85 | 3.95 | 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 | 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 | 3.6 | 3.9 | 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 | 3.5 | 3.8 | 4.9 | 5 | 5.3 | 5.5 |
| TECHCOMBANK | 3.45 | 3.75 | 4.65 | 4.65 | 4.85 | 4.85 |
| TPBANK | 3.7 | 4 | 4.9 | 5 | 5.3 | 5.6 |
| VCBNEO | 4.35 | 4.55 | 5.6 | 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://baolamdong.vn/lai-suat-ngan-hang-hom-nay-31-7-2025-tang-manh-sau-1-nam-nha-bang-lam-dieu-hiem-co-384501.html
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