BIDV savings interest rate in July 2025 at the counter: Highest at 4.8%/year
According to the latest update in early July 2025, Vietnam Joint Stock Commercial Bank for Investment and Development (BIDV) continues to implement a savings interest rate schedule at the counter for individual customers, with rates ranging from 1.6% to 4.8%/year depending on the deposit term.
Specifically, BIDV's deposit interest rate for short terms from 1 to 2 months is currently at 1.6%/year. For terms of 3 months and 5 months, customers enjoy an interest rate of 1.9%/year.
For medium-term savings, the bank listed an interest rate of 3%/year for terms of 6 and 9 months. Meanwhile, terms from 12 to 18 months have the same interest rate of 4.7%/year.
The highest interest rate currently at BIDV is 4.8%/year, applied to long-term deposits from 24 to 36 months.
Interest rate table for individual customers depositing money at BIDV counter
| Term | Interest rate |
| No term | 0.10% |
| 1 month | 1.6% |
| 2 Months | 1.6% |
| 3 Months | 1.9% |
| 5 Months | 1.9% |
| 6 Months | 3.0% |
| 9 Months | 3.0% |
| 12 Months | 4.70% |
| 13 Months | 4.70% |
| 15 Months | 4.70% |
| 18 Months | 4.70% |
| 24 Months | 4.80% |
| 36 Months | 4.80% |
Source: BIDV
Latest BIDV online savings interest rates July 2025
In parallel with the traditional form of depositing money at the counter, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) is currently implementing an online deposit program through Mobile Banking and Internet Banking channels. Compared to depositing at the counter, BIDV's online savings interest rate has been adjusted to increase from 0.1 to 0.4 percentage points depending on the term.
According to the interest rate table updated in July 2025, online deposits with terms from 1 to 3 weeks enjoy an interest rate of 0.3%/year. Terms from 1 to 2 months apply an interest rate of 2%/year, while terms from 3 to 5 months apply an interest rate of 2.3%/year.
For savings with terms of 6 to 11 months, customers receive an interest rate of 3.3%/year. Longer terms from 12 to 18 months are applied an interest rate of 4.7%/year.
The highest interest rate currently is 4.9%/year, applied to online deposits with terms from 24 to 36 months, higher than at the counter.
Source: https://baonghean.vn/lai-suat-tien-gui-ngan-hang-bidv-thang-7-2025-cao-nhat-dat-4-9-nam-10302628.html
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