The race to attract deposits at the end of the year is not only happening with small banks. Even large banks are promoting policies to give more interest to depositors, in addition to adjusting the mobilization interest rate table.

Techcombank is the latest bank to increase deposit interest rates, with an increase of 0.5%/year for 6-month and 12-month term deposits. Currently, the online deposit interest rate for 6-month term as listed at this bank is 6.15%/year and for 12-month term is up to 6.25%/year.

Notably, Techcombank said that for deposits in December 2025 with terms of 3, 6 and 12 months, if deposited for the first time or increased by 20 million VND, the interest rate will be added up to 1%/year compared to the listed interest rate.

At VPBank , after continuously increasing savings interest rates, this bank announced an additional 0.2%/year in savings interest rates for customers who make their first online savings deposit of 1 million VND or more, with a term of 6 months or more.

VPBank also adds 0.1%/year savings interest rate for priority customers when depositing from 100 million VND, term of 1 month or more.

In addition, customers will also receive free deposit balance confirmation at all VPBank transaction offices, and will be able to flexibly withdraw part of their deposit balance and preserve interest rates.

Among the Big4 banks, VietinBank is the latest bank to increase deposit interest rates by 0.4-0.6%/year for terms of 1-11 months.

VietinBank also launched a promotional program (from December 3, 2025 to March 31, 2026), with incentives such as: Customers who open a new savings book and use a payment account package will receive a cash gift worth up to 10 million VND; new customers who deposit savings of 200 million VND for a term of 6 months or more at the counter will receive a beautiful account number worth 5 million VND.

For accounts with a term deposit balance of 9 months or more, VietinBank will give 10 million to customers whose deposit balance increases by 20 billion VND; give 5 million VND with a deposit balance increase of 10 billion VND; give 3 million VND with a deposit balance increase of 5 billion VND; give 1.5 million VND with a deposit balance increase of 3 billion VND and give 1 million VND with a deposit balance increase of 1 billion VND.

In addition, for every 1 million VND deposited via VietinBank iPay, customers receive 20 Loyalty points instead of the usual 10 points.

Vietcombank has also just announced that from now until December 31, customers who deposit savings for 6, 9, 12 or 13 months (from 30 million VND or more) will be given a code to participate in a lucky draw with a Special prize worth 1 billion VND; other prizes worth from 20-100 million VND.

In addition, customers will also receive VCB Loyalty points corresponding to the deposit value. Bonus points can be exchanged directly on VCB Digibank for gifts, e-vouchers for shopping, dining, phone top-up...

At Agribank , from November 10, 2025 to March 31, 2026, individual customers who deposit savings of only VND 8 million for a 6-month term, VND 10 million for a 9-month term, VND 15 million for a 12-month term at the bank's transaction points will receive a prize code for a chance to win prizes from VND 1-100 million, and a special prize of up to VND 1 billion.

According to statistics from the beginning of December, 6 banks have increased deposit interest rates including: Techcombank, MB, NCB, BVBank, VPBank and Saigonbank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON DECEMBER 8, 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
TECHCOMBANK 4.35 4.65 5.85 5.85 5.95 5.95
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

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-8-12-2025-bat-tang-qua-tang-khung-xuat-hien-tro-lai-2470320.html