Many banks are listing interest rates above 6%/year for long-term deposits without strict requirements on minimum deposit amounts, creating attractive opportunities for individual customers.
Some of the banks with the strongest adjustments are Cake by VPBank, Bac A Bank , Viet A Bank, HDBank...
The interest rate for 6-8 month terms has been increased to 6.3%/year and the highest rate is 6.5%/year for terms from 12 to 36 months. This change confirms that the capital attraction race is still going strong, especially in the group of small banks and digital banks.
Below is a table of interest rates for term deposits online with interest received at the end of the term of more than 30 banks in Vietnam, updated as of November 2025:
| Bank | 1 month | 3 months | 6 months | 12 months | 18 months | 24 months | 36 months |
| Techcombank | 3.95 | 4.35 | 4.95 | 5.25 | 5.25 | 5.25 | 5.25 |
| VPBank | 3.7 | 3.8 | 4.7 | 5.2 | 5.5 | 5.6 | 5.6 |
| TPBank | 3.5 | 3.8 | 4.8 | 5.2 | 5.6 | 5.9 | 5.9 |
| SeABank | 3.4 | 4.1 | 4.5 | 5.0 | 5.0 | 5.0 | 5.0 |
| VIB | 3.7 | 3.8 | 4.7 | 4.7 | 5.3 | 5.4 | 5.4 |
| Vietcombank | 1.6 | 1.9 | 2.9 | 4.6 | 4.6 | 4.7 | 4.7 |
| VietinBank | 1.6 | 1.9 | 3.0 | 4.7 | 4.85 | 4.95 | 4.95 |
| Agribank | 2.4 | 3.0 | 3.7 | 4.8 | 4.8 | 4.8 | 4.8 |
| BIDV | 1.9 | 2.2 | 3.3 | 4.7 | 4.7 | 4.9 | 4.9 |
| MBBank | 3.5 | 3.8 | 4.3 | 4.85 | 4.75 | 5.8 | 5.8 |
| ACB | 3.2 | 3.6 | 4.3 | 5.0 | 4.5 | 4.5 | 4.5 |
| ABBank | 3.2 | 3.9 | 5.4 | 5.7 | 5.4 | 5.3 | 5.3 |
| MSB | 3.9 | 3.9 | 5.0 | 5.6 | 5.6 | 5.6 | 5.6 |
| LPBank | 3.7 | 3.7 | 5.1 | 5.5 | 6.3 | 5.4 | 5.4 |
| GPBank | 3.95 | 4.05 | 5.65 | 5.95 | 5.85 | 5.85 | 5.85 |
| Eximbank | 4.6 | 4.6 | 5.4 | 5.2 | 5.7 | 5.7 | 5.7 |
| Kienlongbank | 3.7 | 3.7 | 5.1 | 5.5 | 5.45 | 5.45 | 5.45 |
| SCB | 1.6 | 1.9 | 2.9 | 3.7 | 3.9 | 3.9 | 3.9 |
| SHB | 3.5 | 3.8 | 4.9 | 5.3 | 5.6 | 5.6 | 5.8 |
| PVcomBank | 3.3 | 3.6 | 4.5 | 5.1 | 6.3 | 6.3 | 6.3 |
| Saigonbank | 3.3 | 3.6 | 4.8 | 5.6 | 5.8 | 5.8 | 5.9 |
| VietBank | 4.1 | 4.4 | 5.4 | 5.8 | 5.9 | 5.9 | 5.9 |
| HDBank | 3.85 | 3.95 | 5.3 | 5.6 | 6.1 | 5.5 | 5.5 |
| VietABank | 3.7 | 4.0 | 5.1 | 5.6 | 5.8 | 5.8 | 5.9 |
| NamABank | 3.8 | 4.0 | 4.9 | 5.5 | 5.8 | 5.8 | 5.8 |
| Vikki Bank | 4.2 | 4.4 | 5.7 | 6.0 | 6.0 | 6.0 | 6.0 |
| BAOVIET Bank | 3.5 | 4.35 | 5.45 | 5.8 | 5.9 | 5.9 | 5.9 |
| Viet Capital Bank | 3.95 | 4.15 | 5.15 | 5.6 | 5.9 | 5.95 | 5.95 |
| PG Bank | 3.4 | 3.8 | 5.0 | 5.4 | 5.4 | 5.4 | 5.4 |
| BacABank | 3.8 | 4.1 | 5.25 | 5.5 | 5.5 | 5.5 | 5.5 |
| NCB | 3.9 | 4.1 | 5.25 | 5.5 | 5.7 | 5.7 | 5.7 |
| CBBank | 4.2 | 4.35 | 5.4 | 5.5 | 5.8 | 5.8 | 5.8 |
| OCB | 3.9 | 4.1 | 5.0 | 5.1 | 5.2 | 5.4 | 5.6 |
| Ocean Bank | 4.1 | 4.4 | 5.4 | 5.8 | 5.9 | 5.9 | 5.9 |
Source: https://vtv.vn/nhieu-ngan-hang-niem-yet-muc-lai-suat-tren-6-100251113145928242.htm
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