Many banks raise deposit interest rates to over 6%/year

Reporting aims to improve the effectiveness of control and prevention of money laundering and terrorist financing in financial activities.

Vietnam Technological and Commercial Joint Stock Bank ( Techcombank ) and Vietnam Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCBNeo) have just increased deposit interest rates, bringing the total number of domestic commercial banks increasing interest rates since the beginning of November to 20 banks.

For Techcombank, this is the second consecutive interest rate increase this month after increasing the interest rate for 1-36 month term deposits by 0.3-0.4%/year a few days ago.

According to Techcombank's latest online deposit interest rate schedule, the 4-5 month deposit interest rate has just increased by 0.3%/year to 4.65%/year; the 6 month deposit interest rate has increased by 0.2%/year to 5.65%/year. This is also the increase for the 7-11 month deposit interest rate when the interest rates for these terms are all listed at 5.15%/year.

Techcombank keeps interest rates unchanged for remaining terms.

Specifically, the online savings interest rate for 1-2 month terms is 3.95%/year, 3-month terms continue to be anchored at the ceiling interest rate of 4.75%/year, 12-month terms is 5.75%/year and 13-36 month terms remain at 5.25%/year.

Like many other banks, Techcombank also offers additional interest rates to depositors, raising the highest mobilization interest rate to 6.4%/year, applicable to eligible customers and membership privileges.

This bank adds an interest rate of 0.5%/year to the first deposit (term of 3, 6 or 12 months), applied to savings products at the counter and online from November 20. Accordingly, the interest rate for 6-month savings term can be up to 6.15%/year and for 12-month term up to 6.25%/year.

In addition to Techcombank, VCBNeo Bank has also just joined the race, thereby pushing the highest interest rate at this bank up to 6.2%/year for online deposits with terms of 6 months and 12-60 months.

According to the latest online interest rate schedule of VCBNeo, the 6-month term interest rate increased by 0.3%/year to 6.2%/year from today (November 21). VCBNeo became the third bank after Bac A Bank and Vikki Bank to list a 6-month term interest rate exceeding 6%/year.

Bank interest rates for terms from 12-60 months also increased by 0.4%/year, to 6.2%/year.

VCBNeo keeps the deposit interest rates for the remaining terms unchanged: 1-2 month term is 4.35%/year, 3-4 month term is 4.55%/year, 5 month term is 4.7%/year, 7 month term is 5.6%/year, 8 month term is 5.4%/year, 9-11 month term is 5.45%/year.

VCBNeo also applies the same interest rate increase to the counter interest rate table: 1-2 month term is 4.15%/year, 3-4 month term is 4.35%/year, 5 month term is 4.6%/year, 6 month and 12-60 month term is 5.8%/year, 7 month term is 5.3%/year, 8-11 month term is 5.25%/year.

With VCBNeo and Techcombank adjusting deposit interest rates, 20 banks have officially increased deposit interest rates in November, including: Sacombank, VPBank, MB, HDBank , GPBank, BVBank, Techcombank, BaoViet Bank, PVCombank, LPBank, KienlongBank, MBV, Bac A Bank, Vikki Bank, Nam A Bank, NCB, VIB, TPBank, OCB, VCBNeo.

Of which, Techcombank is the bank that has increased deposit interest rates twice since the beginning of the month.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON NOVEMBER 21, 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	3.1	3.8	5.3	5.4	5.6	5.4
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	4.55	4.55	6.2	6.25	6.3	6.5
BAOVIETBANK	4	4.45	5.45	5.5	5.8	5.9
BVBANK	4.3	4.5	5.3	5.3	5.6	5.9
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBANK	3.9	4	5.55	5.65	5.85	5.85
HDBANK	4.2	4.3	5.5	5.3	5.8	6.1
KIENLONGBANK	3.9	3.9	5.3	5.1	5.5	5.45
LPBANK	3.9	4.2	5.3	5.3	5.4	5.5
MB	3.9	4.2	4.9	4.9	5.2	5.3
MBV	4.6	4.75	5.7	5.7	6	6
MSB	3.9	3.9	5	5	5.6	5.6
NAM A BANK	4.6	4.75	5.7	5.6	5.7	5.9
NCB	4.3	4.5	5.75	5.75	5.8	5.7
OCB	4.45	4.5	5.45	5.45	5.55	6
PGBANK	3.4	3.8	5	4.9	5.4	5.8
PVCOMBANK	3.8	4.1	5	5.2	5.6	6.3
SACOMBANK	4	4.2	5	5.1	5.3	5.5
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	4.1	4.15	5.2	5.3	5.4	5.6
TECHCOMBANK	3.95	4.75	5.65	5.15	5.75	5.25
TPBANK	3.9	4.2	5.1	5.3	5.5	5.7
VCBNEO	4.35	4.55	6.2	5.45	6.2	6.2
VIB	4	4.75	5	5	5.5	5.5
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	4.7	4.7	6.1	6.2	6.3	6.4
VPBANK	4.3	4.4	5.3	5.3	5.5	5.5