Bank interest rates today September 5, 2025: Three banks close to ceiling interest rates

According to a survey of banks on interest rates for deposits with terms from 1 month to less than 6 months, the highest rate currently is 4.7%/year. No bank has listed a ceiling interest rate of 4.75%/year.

With the interest rate table posted by banks on working days of the week, VCBNeo is the bank that posts the highest interest rate for online savings deposits with terms from 1 month to less than 6 months.

Accordingly, the online savings interest rate for 1-2 month term is listed by VCBNeo at 4.35%/year, 3-4 month term is 4.55%/year and 5 month term is 4.7%/year.

With the above interest rate table, VCBNeo is leading the market in terms of 1-4 month deposit interest rates, while the 5 month deposit interest rate is 4.7%/year, equal to the interest rate currently listed at MBV.

Specifically, the online deposit interest rate at MBV for a 1-month term is 4.1%/year, a 2-month term is 4.2%/year, a 3-month term is 4.4%/year and a 4-5-month term is 4.7%/year.

However, during the two weekends, Eximbank's online deposit interest rate surpassed all.

Eximbank is the only bank that lists deposit interest rates according to two different interest rate schedules, one for weekdays and one for weekends.

Currently, Eximbank’s online deposit interest rate applied on weekends is listed at 4.6%/year for 1-2 month term deposits. Meanwhile, the bank interest rate for 3-5 month term is listed at up to 4.7%/year.

Regarding deposit interest rates on weekdays, Eximbank is also among the market leaders today: Bank interest rates for 1-2 month terms are 4.3%/year, for 3-5 month terms are 4.5%/year.

In addition to Eximbank, VCBNeo and MBV, banks such as VietBank, BaoViet Bank, NCB,OCB , Vikki Bank, GPBank are also among the leading banks in the market in terms of deposit interest rates in general and terms from 1 month to less than 6 months in particular.

Decision No. 2411/2024 of the Governor of the State Bank regulating the maximum interest rate on deposits in Vietnamese Dong of organizations and individuals at credit institutions (CIs).

Accordingly, the maximum interest rate applied to non-term deposits and deposits with terms of less than 1 month is 0.5%/year; deposits with terms from 1 month to less than 6 months is 4.75%/year. In particular, the maximum interest rate applied to deposits in Vietnamese Dong at people's credit funds and microfinance institutions is 5.25%/year.

Interest rates on deposits with terms of 6 months or more are determined by credit institutions based on market supply and demand of capital.

HIGHEST ONLINE DEPOSITS INTEREST RATE TABLE FOR 1-5 MONTHS TERM (%/YEAR)
BANK	1 MONTH	2 MONTHS	3 MONTHS	4 MONTHS	5 MONTHS
EXIMBANK	4.6	4.6	4.7	4.7	4.7
VCBNEO	4.35	4.35	4.55	4.55	4.7
MBV	4.1	4.2	4.4	4.7	4.7
VIETBANK	4.1	4.1	4.4	4.5	4.5
OCB	3.9	4	4.1	4.1	4.5
BAOVIETBANK	3.5	3.6	4.35	4.4	4.5
NCB	4	4.1	4.2	4.3	4.4
VIKKI BANK	4.15	4.2	4.35	4.35	4.35
GPBANK	3.95	3.95	4.05	4.3	4.3
BAC A BANK	3.8	3.8	4.1	4.2	4.3
BVBANK	3.95	4	4.15	4.2	4.25
VIET A BANK	3.7	3.9	4	4.1	4.1
NAM A BANK	3.8	3.9	4	4	4
HDBANK	3.85	3.85	3.95	3.95	3.95
SHB	3.5	3.5	3.8	3.8	3.9
SACOMBANK	3.6	3.8	3.9	3.9	3.9
MSB	3.9	3.9	3.9	3.9	3.9
LPBANK	3.6	3.7	3.9	3.9	3.9
KIENLONGBANK	3.7	3.7	3.7	3.7	3.9
ABBANK	3.2	3.4	3.9	3.9	3.9
VPBANK	3.7	3.7	3.8	3.8	3.8
VIB	3.7	3.8	3.8	3.8	3.8
TPBANK	3.5	3.7	3.8	3.8	3.8
PVCOMBANK	3.3	3.4	3.6	3.7	3.8
MB	3.5	3.6	3.8	3.8	3.8
TECHCOMBANK	3.45	3.45	3.75	3.75	3.75
SAIGONBANK	3.3	3.3	3.6	3.6	3.6
ACB	3.1	3.2	3.5	3.5	3.5
SEABANK	2.95	2.95	3.45	3.45	3.45
AGRIBANK	2.4	2.4	3	3	3
VIETINBANK	2	2	2.3	2.3	2.3
BIDV	2	2	2.3	2.3	2.3
VIETCOMBANK	1.6	1.6	1.9	1.9	1.9
SCB	1.6	1.6	1.9	1.9	1.9
PGBANK	3.4	3.5	3.8