Which bank savings interest rate is the most preferential in early November 2025?

For a 1-month term, the banks with the most preferential interest rates today are VCBNEO and VIKKI Bank with 4.35%/year, followed by BVBank, Eximbank, VPBank (4.3%/year), HDBank (4.2%/year), MBV, NCB,SHB , VietBank (4.1%/year),...

For a 3-month term, the best interest rate is 4.55% at the following banks: VIKKI Bank, VCBNEO, Bac A Bank. Next are Eximbank (4.5%/year), Techcombank (4.45%/year), MBV, VietBank (4.4%/year), BaovietBank (4.35%/year),...

For a 12-month term, VIKKI Bank is currently the bank with the highest interest rate at 6.1%/year, followed by the following banks: Bac A Bank (6%/year), GPBank (5.85%/year), HDBank (5.8%/year), NCB (5.7%/year), Techcombank (5.55%/year), VPBank (5.5%/year),...

Savings interest rates tend to increase slightly.

In the "Big 4" banking group, including the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), the Bank for Investment and Development of Vietnam (BIDV), the Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) and the Bank for Agriculture and Rural Development of Vietnam (Agribank), the deposit interest rate at the counter in November 2025 was generally stable, without much fluctuation compared to October.

Specifically, Vietcombank maintains interest rates for 6 and 9 month terms at 2.9%/year, 12 month terms at 4.6%/year, and terms of 24 months or more at 4.7%/year, which is also the highest rate of this bank.

BIDV keeps interest rates for 6 and 9-month terms at 3%/year, 12-month term at 4.7%/year, and 24-month term at 4.8%/year.

VietinBank applies similar rates, ranging from 3% to 4.8%/year depending on the term.

Agribank listed savings interest rates from 0.2% - 4.8%/year, of which short term 1-2 months is at 2.1%/year, 12 month term 4.7%/year, and 24 month term 4.8%/year, currently the highest rate in this banking system.

Notably, recently, some banks have adjusted their interest rates up. Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) has just announced an interest rate increase of 0.15%/year for 1-5 month terms and 0.2%/year for 6 month terms, applicable to both counter deposits and online deposits.

The Prosperity Era Commercial Limited Liability Bank (GPBank) also adjusted its interest rates for all terms. The increase is 0.1%/year for term deposits from 1-5 months and 0.2%/year for term deposits from 6-36 months.

According to experts, the fact that a series of banks have adjusted their interest rates up shows that the capital mobilization race has become more active again in the fourth quarter of 2025. This is a move to anticipate the high credit demand at the end of the year, while narrowing the gap between the growth rate of mobilization and lending, contributing to ensuring liquidity for the banking system during the peak period.

Ngoc Vy

Source: https://vtcnews.vn/lai-suat-tiet-kiem-ngan-hang-nao-uu-dai-nhat-dau-thang-11-2025-ar985969.html