The real interest rates offered by banks behind the listed prices.

Although banks officially publish their listed interest rates, the actual interest rate depends on each bank's interest rate policy and savings product.

According to SeABank 's online deposit interest rate policy, customers will receive a preferential interest rate of up to 0.5% per year when depositing savings online, applicable to deposits of 100 million VND or more for terms of 6, 12, and 13 months.

According to this bank's online deposit interest rate table with interest paid at the end of the term, the interest rate for deposits with a term of 1-2 months is 2.95%/year, 3-5 months is 3.45%/year, 6 months is 3.95%/year, 7 months is 4.05%/year, 8 months is 4.1%/year, 9 months is 4.15%/year, 10 months is 4.2%/year, 11 months is 4.25%/year, 12 months is 4.7%/year, 15 months is 5.25%/year, and 18-36 months is 5.45%/year.

With a policy of adding 0.5%/year interest for customers depositing from 100 million VND, SeABank's 6-month term deposit interest rate will reach 4.45%/year and the 12-month term deposit interest rate will reach 5.2%/year.

However, the highest deposit interest rate, according to the sign displayed in front of SeABank's branches, is as high as 5.95% per year.

Although the deposit interest rate of 5.95%/year is higher than the listed rate, it is not the highest deposit interest rate at SeABank. Photo: Hoang Ha.

In fact, the highest deposit interest rate offered by SeABank when customers deposit savings at this bank can reach 5.25% per year for a 6-month term and 6.15% per year for a 12-month term, according to SeABank staff who called to invite customers to deposit money.

Therefore, the difference between the listed interest rate and the actual interest rate at SeABank can be as much as 1.3% per year for a 6-month term. The difference can even reach 1.45% for a 12-month term.

Not only SeABank, but Asia Commercial Bank (ACB ) recently also sent emails announcing higher deposit interest rates for some terms compared to the listed rates.

Accordingly, the interest rate for 3-month term deposits reaches 4.2%/year when depositing online, while the online deposit interest rate according to the bank's official interest rate schedule is only 3.5%/year.

Furthermore, ACB adds an extra 0.8% per year to the interest rate on over-the-counter deposits for other terms.

ACB is among the commercial banks currently offering the lowest deposit interest rates.

In addition, some banks such as PVCombank, GPBank, PGBank, etc., although not officially increasing interest rates, also display signs advertising relatively high deposit interest rates in front of their branches. These interest rates are not officially published in the interest rate schedules listed by the banks.

Meanwhile, in addition to listing deposit interest rates online with the highest rate of 5.6%/year, applicable to deposits with terms of 12-36 months, MSB Bank also maintains two "special interest rates" for VIP customers and regular customers.

"Special interest rates" for VIP customers reach up to 7% per year, provided that customers deposit at least 500 billion VND for a term of 12-13 months.

MSB offers a "special interest rate" of 5.3% per year for regular customers when depositing savings for a 6-month term (while the official rate is 4.8% per year for online deposits). The 12-month, 15-month, and 24-month terms also have a "special interest rate" of 5.9% per year (officially listed at 5.6% per year).

In addition, MSB also offers several unique savings products with an interest rate of 4% per year (for terms of 12 and 24 months). This interest rate is 1.3% per year and 1.6% per year lower than the interest rates for deposits made at the counter and online, respectively.

ONLINE DEPOSIT INTEREST RATE CHART AT BANKS ON NOVEMBER 2, 2024 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
AGRIBANK	2.2	2.7	3.2	3.2	4.7	4.7
MB	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	5.3	5.5	5.9	6.2
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	3.95	4.25	5.4	5.5	5.8	6.15
BAOVIETBANK	3.3	4	5.2	5.4	5.8	6
BVBANK	3.8	4	5.2	5.5	5.8	6
CBBANK	3.8	4	5.5	5.45	5.65	5.8
DONG A BANK	3.9	4.1	5.55	5.7	5.8	6.1
EXIMBANK	3.9	4.3	5.2	4.5	5.2	5.8
GPBank	3.2	3.72	5.05	5.4	5.75	5.85
HDBANK	3.85	3.95	5.1	4.7	5.5	6.1
KIENLONGBANK	3.7	3.7	5.2	5.3	5,6	5.7
LPBANK	3.6	3.8	5	5	5.4	5.7
MB	3.3	3.7	4.4	4.4	5.1	5
MSB	3.9	3.9	4.8	4.8	5,6	5,6
NAM A BANK	3.8	4.1	5	5.2	5,6	5.7
NCB	3.9	4.2	5.55	5.65	5.8	5.8
OCB	3.9	4.1	5.1	5.1	5.2	5.4
OCEANBANK	4.1	4.4	5.4	5.5	5.8	6.1
PGBANK	3.4	3.8	5	5	5.5	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	5.8	6
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
SHB	3.5	3.8	5	5.1	5.5	5.8
TECHCOMBANK	3.25	3.55	4.55	4.55	4.85	4.85
TPBANK	3.5	3.8	4.7		5.2	5.4
VIB	3.2	3.6	4.6	4.6		5.1
VIET A BANK	3.4	3.7	4.8	4.8	5.4	5.7
VIETBANK	3.8	4	5.2	5	5,6	5.9
VPBANK	3.6	3.8	4.8	4.8	5.3	5.3

Source: https://baodaknong.vn/lai-suat-that-cua-cac-ngan-hang-dang-sau-bang-niem-yet-233339.html