With commercial banks continuously reducing deposit interest rates since February 2025, the interest rate market is gradually losing deposit interest rates of 6%/year for terms of 12 months or less.
Even with online savings deposits, the highest 12-month term deposit interest rate is only 5.95%/year. This is the deposit interest rate announced by two commercial banks GPBank and Vikki Bank.
Behind the two banks above in terms of 12-month online banking interest rates are BaoViet Bank, MBV and VietBank with listed interest rates of 5.8%/year.
ABBank is also in the leading group when listing interest rates of 5.7%/year. Next is the group of banks listing online savings interest rates of 5.6%/year, including BVBank, HDBank , MSB, NCB, Saigonbank and Viet A Bank.
5.5%/year is the 12-month online savings interest rate of banks including: Kienlongbank, Nam A Bank and VCBNeo.
At LPBank , PGBank and Sacombank, the deposit interest rate is listed at 5.4%/year.
Meanwhile, SHB and TPBank listed 12-month online deposit interest rates at 5.3%/year and 5.2%/year, respectively.
Eximbank, OCB, PVCombank and VPBank are the remaining banks listing online deposit interest rates above 5%/year for 12-month term deposits. Specifically, all 4 banks are listing interest rates of 5.1%/year for this term.
The remaining banks all listed interest rates below 5%/year for this term, including: ACB, MB, VIB listed 4.9%/year; Techcombank 4.85%/year, Agribank 4.8%/year. BIDV, SeABank, VietinBank 4.7%/year; Vietcombank 4.6%/year and SCB 3.7%/year.
| ONLINE DEPOSITS INTEREST RATES OF BANKS ON JULY 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 | 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 | 5.1 | 5.6 |
| 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 | 3.3 | 3.6 | 4.9 | 4.9 | 5.4 | 5.6 |
| 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 | 3.5 | 3.8 | 4.8 | 4.9 | 5.2 | 5.5 |
| VCBNEO | 4.15 | 4.35 | 5.4 | 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 | 3.6 | 3.7 | 4.6 | 4.6 | 5.1 | 5.1 |
Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-8-7-2025-ky-han-12-thang-khong-con-moc-6-nam-2418959.html
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