Saigon Thuong Tin Commercial Joint Stock Bank ( Sacombank ) has just joined the race to increase deposit interest rates with an increase of 0.1% - 0.3%/year for deposit terms under 12 months.

According to Sacombank's latest online interest rate schedule for end-of-term interest payments, interest rates for 1- and 2-month terms increased by 0.2% per year, listed at 4% per year and 4.1% per year, respectively; interest rates for 3- to 5-month terms increased by 0.1% per year, simultaneously listed at 4.2% per year.

The latest online banking interest rate for 6-8 month terms increased by 0.2%/year to 5%/year; for 9-11 month terms increased by 0.2%/year to 5.1%/year.

Sacombank keeps the interest rates for the remaining terms unchanged: 12-15 month term is 5.3%/year, 18 month term is 5.5%/year and the highest is 5.6%/year for 24-36 month term deposits.

For savings interest rates at the counter, Sacombank adjusted to increase sharply by 0.3%/year for 1-3 month term interest rates, to 3.6%/year, 3.7%/year and 3.8%/year respectively.

Interest rates for 4-5 month savings at the counter increased by 0.2% and 0.1% per year, to 3.9% and 4% per year, respectively.

The interest rate for 6-8 month term savings increased sharply by 0.3%/year to 4.5%/year. This is also the interest rate increase for 9-11 month term deposits at the counter, up to 4.6%/year.

Similar to online deposit interest rates, Sacombank also keeps the interest rate for over-the-counter deposits with terms of 12 months. Currently, the interest rate for over-the-counter deposits with terms of 12-18 months is 4.9%/year, 24-month term is 5%/year and the highest is 5.2%/year for 36-month term with interest paid at the end of the term.

Previously, at the end of October, Sacombank increased the interest rate by 0.2%/year for 1- and 5-month online savings, increased the interest rate by 0.3%/year for 3-month online savings, increased the interest rate by 0.5%/year for 1, 2, and 4-month online savings. In particular, Sacombank sharply increased the interest rate for 5-month online savings at the counter by up to 0.7%/year.

Sacombank's continuous increase in deposit interest rates in less than 10 days, as well as a series of commercial banks' increase in deposit interest rates in the past month, shows an effort to solve the problem of "thirst" for capital mobilization to meet businesses' year-end capital needs.

For Sacombank, this is the third interest rate increase in just the last 3 months, while this bank once went through a year (from August 21, 2024 to July 29, 2025) without adjusting deposit interest rates.

According to statistics, from the beginning of October until now, 6 banks have increased deposit interest rates including: Sacombank, VPBank, MB, HDBank , GPBank and BVBank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON NOVEMBER 7, 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 4.3 4.5 5.3 5.3 5.6 5.9
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 3.7 3.7 5.1 5.2 5.5 5.45
LPBANK 3.6 3.9 5.1 5.1 5.4 5.4
MB 3.9 4.2 4.9 4.9 5.2 5.3
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 4 4.2 5 5.1 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 4.55 5.9 5.8 6.1 6.2
VPBANK 4.3 4.4 5.3 5.3 5.5 5.5

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-7-11-2025-ong-lon-3-lan-lien-tiep-tang-lai-suat-2460284.html