According to a survey conducted by PV Lao Dong Newspaper on May 23, 2026, PVcomBank's interest rate is currently the highest in the market, reaching 10% for a 13-month term with a minimum deposit of 2,000 billion VND. Under normal conditions, PVcomBank lists the highest 13-month interest rate at 5.8% when customers deposit online and 5.5% when depositing at the counter.
Following that, HDBank offers an interest rate of 7.6% for a 13-month term, with a minimum balance of 500 billion VND. Under regular conditions, HDBank lists the highest 13-month interest rate at 5.5% for online deposits and 5.4% for over-the-counter deposits.
Some of the top banks offering high interest rates for 13-month savings deposits under standard conditions include: PGBank, Cake by VPBank, VCBNeo, BacABank, etc.
PGBank is currently offering the highest interest rate for a 13-month term at 7% per annum, with interest paid at the end of the term. This is also the highest interest rate PGBank offers for 12-month and 13-month terms.
Under normal conditions, Cake by VPBank is currently offering a 13-month term interest rate of 7.4% per annum when customers receive interest at the end of the term. Currently, the highest interest rate offered by Cake by VPBank is 7.4%, applicable to terms of 10-24 months.
Cake by VPBank is offering an additional 1.5%/year interest rate to individual customers who are using the term deposit product at CAKE by VPBank Digital Bank for the first time (this does not apply to customers who have previously opened a savings account at CAKE by VPBank Digital Bank through any application other than the CAKE BANK app) and meet the following conditions:
Interest payment methods: At the end of the term, at the beginning of the term, monthly, quarterly; Deposit term: 6 months or more and no early withdrawal.
With this additional preferential interest rate, Cake by VPBank's 13-month savings interest rate is currently listed at 8.9%.
Bac A Bank is currently offering the highest interest rate of 6.95% for a 13-month term when individual customers deposit 1 billion VND or more online, with interest paid at the end of the term.
VCBNeo is currently offering the highest 13-month interest rate at 6.5% per annum for online deposits, with interest paid at the end of the term.
How much interest will I receive if I deposit money in a savings account for 13 months?
You can refer to the interest calculation method to find out how much interest you will receive after depositing your savings. To calculate interest, you can apply the following formula:
Interest = Deposit amount x Interest rate %/12 x Number of months deposited
For example, if someone deposits 200 million VND into Bank A for a 13-month term and earns an interest rate of 8.7% per year, the interest received would be as follows:
200 million VND x 8.7%/12 x 13 = 18.85 million VND.
Source: https://baoquangninh.vn/lai-suat-tiet-kiem-13-thang-cham-moc-8-9-3408596.html
Comment (0)