Bank interest rates today August 5, 2025, banks commit to maintaining stable and reasonable deposit interest rates, combining transparency and healthy competition in capital mobilization.
At the Conference on “Implementing solutions to stabilize deposit interest rates and reduce lending interest rates” organized by the State Bank of Vietnam (SBV) on the afternoon of August 4, representatives of credit institutions (CIs) committed to maintaining a stable and reasonable deposit interest rate level; transparency in operations and healthy competition in capital mobilization; safe credit growth, and willingness to share part of profits to reduce lending interest rates, etc.
According to Deputy Governor of the State Bank of Vietnam Pham Thanh Ha, credit growth has been positive since the beginning of the year, improving compared to the same period in 2024. As of July 29, system-wide credit increased by 9.8% compared to the end of 2024, up 19.75% over the same period - a positive growth rate compared to recent years.
Deposit interest rates continue to be relatively stable, lending interest rates continue to decrease compared to the end of 2024.
Up to now, the economy continues to maintain its growth momentum, with GDP in the first 6 months of 2025 increasing by 7.52%, the highest increase in the first 6 months of the 2021-2025 period. Inflation is under control, with an average of 3.27% in the first 6 months of 2025, in line with the National Assembly's target. The currency and foreign exchange markets are stable.
The Deputy Governor emphasized that the interest rate developments are receiving special attention and close direction from the Prime Minister . Recently, the Prime Minister assigned the State Bank to continue to closely monitor the stabilization of deposit interest rates and the reduction of lending interest rates of credit institutions, thereby having appropriate solutions.
On that basis, the State Bank continues to thoroughly grasp and request credit institutions to seriously implement the direction of all levels on stabilizing input interest rates, striving to reduce lending interest rates, contributing to supporting economic recovery and development.
In fact, deposit interest rates have been at rock bottom since 2019. Up to now, most banks have maintained deposit interest rates for terms of less than 6 months at below 4%/year, while the maximum deposit interest rate prescribed by the State Bank for deposits with terms of less than 6 months is 7.5%/year.
There was a time when deposit interest rates showed signs of increasing, but after the Prime Minister's direction, the wind changed direction.
In the current market, there are only 6 banks listing online savings interest rates for 1-2 month terms at 4%/year or higher - a rather modest number.
Some banks such as Agribank, Vietcombank, BIDV, VietinBank, SCB, SeABank,... even maintain bank interest rates below 3%/year for online savings with a term of 1-2 months.
The highest interest rate for 3-month online deposits is currently 4.55%/year, listed at VCBNeo, while the lowest rate is only 1.9%-2.3%/year listed by Vietcombank, BIDV and VietinBank.
For online deposit terms of 6-9 months, the interest rate listed by Vietcombank is only 2.9%/year, while Agribank, BIDV and VietinBank list from 3.3-3.7%/year.
In general, the interest rates of Big4 banks - the group that plays a role in shaping the interest rates for deposits and loans - are generally below 5%/year. Only VietinBank lists an online savings interest rate of 5%/year for 24-36 month term deposits.
| ONLINE DEPOSITS INTEREST RATES OF BANKS ON AUGUST 5, 2025 (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| AGRIBANK | 2.4 | 2.3 | 3.7 | 3.7 | 4.8 | 4.8 |
| BIDV | 2 | 3 | 3.3 | 3.3 | 4.7 | 4.7 |
| VIETINBANK | 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-5-8-lai-suat-huy-dong-doi-chieu-ngoan-muc-386415.html
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