The two largest private banks, Techcombank and VPBank, have just continued to increase their deposit interest rates. This is Techcombank’s second rate increase this month, bringing the total number of rate adjustments since October to five. During the same period, VPBank also increased its interest rates four times in a row.

For Techcombank , the bank unexpectedly adjusted deposit interest rates down for terms of 3, 6, and 12 months, but increased sharply for many other terms.

According to the online interest rate table for the Phat Loc Online product, the interest rate for 1-2 month terms increased by 0.4% to 4.35%/year. With this rate, Techcombank became one of the leading banks in the short-term market, along with VCBNeo, BaoVietBank, OCB, Bac A Bank , BVBank, NCB and MBV.

However, the bank unexpectedly reduced the interest rate for 3-month deposits by 0.1% per year, from the ceiling of 4.75% per year to 4.65% per year. This interest rate is also applied to online deposits for 4-5 months.

Along with that, Techcombank also reduced the 6-month online savings interest rate by 0.3%/year to 5.85%/year.

Notably, the 7-11 month savings interest rate increased sharply by 0.7%/year, simultaneously listed at 5.85%/year.

The highest listed bank interest rate of 6.25% per year for 12-month term deposits is no longer available. Instead, 5.95% per year is listed for terms from 12 to 36 months.

Thus, the latest mobilization interest rate has decreased by 0.3%/year for 12-month term, and increased by 0.3%/year for 13-36 month terms.

In addition, Techcombank also adds up to 1%/year in savings interest rates for all deposits in December 2025 with terms of 3, 6, 12 months. Accordingly, the highest interest rate received is up to 7.1%/year if customers meet the conditions set by the bank. This is the leading deposit interest rate in the market today.

Another "big guy" in the private banking sector, VPBank, has also just continued to increase deposit interest rates with the increase occurring for terms from 6-36 months.

VPBank's recently updated online deposit interest rate table shows that bank interest rates for terms from 6-36 months are simultaneously newly listed at 6%/year.

Compared to the old interest rate table, the interest rate for 6-11 month term has increased by 0.3%/year, 12-18 month term has increased by 0.2%/year and 24-36 month term has increased by 0.1%/year.

VPBank keeps the interest rate unchanged for deposits with terms of less than 6 months. The interest rate for 1-month term is 4.4%/year, for 2-month term is 4.5%/year, and for 3-5-month term is kept at the ceiling of 4.75%/year.

Thus, VPBank is among the banks listing the highest deposit interest rates today, especially for 3-5 month terms.

In addition, this bank also adds 0.2%/year in savings interest for customers who make their first online savings deposit of 1 million VND, with a term of 6 months or more; adds 0.1%/year in savings interest for priority customers who make a savings deposit of 100 million VND, with a term of 1 month or more.

Since the beginning of December, five banks have increased deposit interest rates, including Techcombank, MB, NCB, BVBank and Saigonbank. Techcombank has adjusted interest rates twice.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON DECEMBER 9, 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
SHB 4.1 4.15 5.2 5.3 5.4 5.6
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 6 6 6 6

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-9-12-2025-hai-ong-lon-dong-loat-tang-lai-suat-2470599.html