Bank interest rates today 7/9/2025: Major banks increase deposit interest rates

After nearly 1 month since reducing deposit interest rates, Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ) has just announced to increase deposit interest rates again for all terms.

Accordingly, interest rates for deposits with terms from 1-36 months at VPBank have increased by 0.1%/year for savings deposit products.

According to the latest online interest rate schedule for deposits with interest paid at the end of the term applied to deposit accounts under 3 billion VND, the bank interest rate for a 1-month term is 3.7%/year, for a 2-5 month term is 3.8%/year, for a 6-11 month term is 4.7%/year, for a 12-18 month term is 5.2%/year and for a 24-36 month term is 5.3%/year.

For online deposit accounts from 3 billion VND to less than 10 billion VND, VPBank applies similar interest rates, except that the bank interest rate for 24-36 month terms is 0.1% higher per year, equivalent to an interest rate of 5.4% per year.

The latest online deposit interest rates applied to deposit accounts from 10 billion VND to under 50 billion VND announced by the bank include: Interest rate for 1-month term is 3.8%/year; term for 2-5 months is 3.9%/year; term for 6-11 months is 4.8%/year; term for 12-18 months is 5.3%/year and term for 24-36 months is listed with the highest deposit interest rate of 5.5%/year.

The highest interest rate at VPBank is for deposit accounts of 50 billion VND or more.

Accordingly, the interest rate for 1-month term is 3.9%/year; 2-5 month term is 4%/year; 6-11 month term is 4.9%/year.

Meanwhile, the interest rate for savings with terms from 12-36 months is applied to deposit accounts from 10 billion VND, equivalent to an interest rate of 5.3%/year for deposits with terms of 12-18 months and 5.5%/year for deposits with terms of 24-36 months. This is also the highest interest rate for online savings at VPBank.

However, according to the general regulations on deposit interest rates set by this bank, individual customers in the Private segment who deposit from 100-500 million VND will receive an additional interest rate of 0.1%/year; deposits from 500 million VND or more will receive an additional interest rate of 0.3%/year.

Thus, the highest interest rate at VPBank can be up to 5.8%/year (24-36 month term); 5.6%/year (12-18 month term); 5.2%/year (6-11 month term); 4.3%/year (2-5 month term) and 4.2%/year (1 month term) if customers meet all criteria according to the bank's regulations.

With an additional adjustment of 0.1%/year in deposit interest rates, VPBank applies the interest rate for deposits at the counter, received at the end of the term, to deposit accounts under 3 billion VND as follows:

Bank interest rate for 1-5 month term is 3.5%/year; 6-11 month term is 4.4%/year; 12-18 month term is 4.9%/year and 24-36 month term is 5%/year.

The bank interest rate at the counter applies to deposit accounts from 3-10 billion, with a term of 1-18 months, the same interest rate schedule applies. However, the bank interest rate for a term of 24-36 months is 5.1%/year.

For counter deposit accounts, applicable to deposit accounts from VND 10 billion to under VND 50 billion, the interest rate for 1-5 month term is 3.6%/year; 6-11 month term is 4.5%/year; 12-18 month term is 5%/year and 24-36 month term has the highest deposit interest rate of 5.2%/year.

The latest interest rates for savings at the counter applied to savings accounts of 50 billion VND or more are as follows: Interest rate for 1-5 month term is 3.7%/year; 6-11 month term is 4.6%/year; 12-18 month term is 5%/year and 24-36 month term is 5.2%/year.

As of July 9, VPBank is the third bank to adjust its interest rate schedule and the second bank to increase deposit interest rates this month after Techcombank. Meanwhile, Bac A Bank is the first bank to reduce deposit interest rates.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 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	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	5.3
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	3.7	3.8	4.7	4.7	5.2	5.2