Bank interest rates today December 4, 2025: Banks increase sharply after nearly a year of silence

Saigon Commercial Joint Stock Bank (Saigonbank) and National Citizen Commercial Joint Stock Bank (NCB) have just adjusted their deposit interest rates up, bringing the total number of banks increasing interest rates since the beginning of December to four.

Saigonbank is one of the few banks that has changed its deposit interest rate schedule. Since February 2025, this is the second time this year that the bank has adjusted its deposit interest rate.

According to the online savings interest rate table just posted by Saigonbank, the savings interest rate for 1-2 month terms increased sharply by 0.5%/year to 3.8%/year; the terms from 3-5 months also increased by 0.4%/year, simultaneously listed at 4%/year.

The bank also slightly increased the interest rate for deposits with terms from 6 to 24 months by 0.2% per year and for terms of 36 months by 0.3% per year.

Accordingly, the latest online banking interest rate for 6-8 month terms is listed at 5%/year; 9 month term is 5.1%/year; 10 month term is 5.2%/year; 11 month term is 5.3%/year and 12 month term increased to 5.8%/year.

The notable point in this increase in deposit interest rates of Saigonbank is that for the first time this year, the interest rate for 13-24 month term deposits is listed at 6%/year. The highest rate is up to 6.1%/year when Saigonbank increases the interest rate for 36 month term.

Meanwhile, NCB Bank increased deposit interest rates for the third consecutive month after increasing interest rates in October and November.

In this interest rate adjustment, NCB increased the interest rate for 1-3 month term by 0.2%/year; 4 month term by 0.15%/year; 5 month term by 0.05%/year.

NCB applies an increase in savings interest rates from 0.1% to 0.2% per year for terms from 6 to 13 months, while savings interest rates for the remaining terms remain unchanged.

With the above interest rate increase, the latest online savings interest rate with interest paid at the end of the term listed by NCB for a 1-month term is up to 4.5%/year, a 2-month term is 4.6%/year, a 3-month term is 4.7%/year, and a 4-5-month term is 4.75%/year.

Thus, NCB is one of the banks listing the highest interest rates for 1-5 month terms. Of which, the interest rate for 4-5 month terms has reached the ceiling interest rate as prescribed.

For online deposit interest rates for the remaining terms, the latest interest rate for the 6-month term is 5.95%/year, the 7-month term is 5.8%/year, the 8-month term is 5.85%/year, the 9-12-month term is 5.9%/year, the 13-month term is 5.8%/year and the 15-60-month term is kept at 5.7%/year.

However, since the end of October, NCB has announced to give additional interest to customers depositing money with the highest additional interest rate of up to 1.4%/year. Therefore, the actual interest rate when depositing at this bank can be over 7%/year.

NCB is also listing deposit certificate interest rates of up to 6.65%/year with terms of 18 months, 24 months and 84 months.

ONLINE DEPOSITS INTEREST RATES AT BANKS ON DECEMBER 4, 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	4.5	4.7	5.95	5.9	5.9	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	3.8	4	5	5.1	5.8	6
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