Considering each term for each bank, with the form of non-term deposits, at the counter, banks such as Bac A Bank, Vikki Digital Bank (formerly Dong A Bank), GPBank, Kien Long Bank, Nam A Bank, NCB, PVcomBank and VCBNeo are the units applying the highest non-term savings interest rate, at 0.5%/year.
Meanwhile, ACB is the bank that applies the lowest rate, only 0.01%/year. The remaining banks mostly maintain the non-term savings interest rate at 0.1%/year.
With a 1-month term, the highest savings interest rate for this term for over-the-counter deposits is 4.15%/year belonging to VCBNeo. Vikki Digital Bank currently applies an interest rate of 3.9%/year, ranking second in the entire system. Closely followed by Bac A Bank, Timo by BVBank and Vietbank all listed interest rates at 3.8%.
With a 3-month term, VCBNeo applies the highest savings interest rate at the counter at 4.35%/year, followed by Vikki Digital Bank at 4.15%/year. Except for the Big4 banking group and ACB, other commercial banks all recorded 3-month term interest rates above 3%. Some other banks such as ABBank, MB, MSB, Nam A Bank, LPBank and NCB have 3-month savings interest rates ranging from 3.2% to 3.9%/year.
Along with the interest rates at the counter, banks continue to implement attractive online savings interest rates, creating competition in the online mobilization channel. For the 1-3 month term, VCBNeo continues to hold the leading position in the online channel, at 4.35%/year and 4.55%/year respectively, much higher than the form of depositing at the counter.
Compared to the most recent interest rate update at the end of June, 1-3 month deposit interest rates at banks in the Big4 group including BIDV, Agribank , Vietcombank and VietinBank still maintain a sideways trend.
Specifically, for the 1-month term at the counter, Agribank is the bank with the highest interest rate, at 2.1%/year, while the remaining 3 banks all listed interest rates at 1.6%/year. Meanwhile, for the online form, Vietcombank and VietinBank are still the two banks with the lowest interest rates at 1.6%/year. BIDV listed interest rates at 2%/year. The highest in the group is Agribank with 2.4%/year.
For the 3-month term, two banks, Vietcombank and VietinBank, still maintain the interest rate at 1.9%/year in both counter and online forms. BIDV listed the interest rate at 1.9%/year (at the counter) and 2.3%/year (online). The highest is Agribank with 2.4%/year (at the counter) and 3%/year (online).
In general, the group of state-owned commercial banks is currently the group that offers the lowest savings interest rates on the market. For terms of 1-3 months, deposit interest rates in both counter and online forms at banks in this group are 1% - 2% lower than all other joint stock commercial banks.
The highest 6-month savings interest rate is 5.3%/year applied to deposits at Vikki Digital Bank and VCBNeo; second is Bac A Bank with 5.25%/year. Closely followed by the interest rate of 5.2%/year applied at two banks ABBank and HDBank. Other banks such as GPBank, SHB, MB, MSB, Nam A Bank, LPBank and NCB have savings interest rates ranging from 4.1% to 4.95%/year.
For online form, the highest 6-month interest rate is 5.65%/year belonging to Vikki Digital Bank and GPBank. VCBNeo currently applies an interest rate of 5.6%/year, ranking second in the system.
For a 9-month term, the highest savings interest rate at the counter is currently applied at 5.45%/year at Vikki Digital Bank. Meanwhile, GPBank took the lead when listing the interest rate at 5.75%/year (online). Banks such as Bac A Bank, Timo by BVBank, GPBank, HDBank, NCB, VCBNeo and Vietbank all followed closely with interest rates from 5% to 5.35%/year (at the counter) and from 5% to 5.55%/year (online).
For the 6-9 month term, for the over-the-counter form, banks in the Big4 group still keep the same interest rate compared to the interest rate update at the end of June. In which, Agribank keeps the interest rate at 3.5%/year. BIDV and VietinBank both list the interest rate at 3%/year. The lowest savings interest rate at Vietcombank is 2.9%/year.
Similarly, for online form, banks in the Big4 group also do not change interest rates. Specifically: Agribank is 3.7%/year, BIDV is 3.3%/year, VietinBank is 3%/year and Vietcombank is 2.9%/year.
With a 12-month term, the highest savings interest rate at the counter is 5.7%/year listed at HDBank. Following are Vikki Digital Bank with 5.65%/year and Timo by BVBank with 5.55%/year. Banks such as ABBank, Bac A Bank, GPBank, Kien Long Bank, LPBank, Nam A Bank, NCB, PGBank, SHB, VCBNeo, Viet A Bank and Vietbank also recorded interest rates from 5% - 5.5%/year.
Regarding online form, the highest bank interest rate is Vikki Digital Bank and GPBank with 5.95%/year. Meanwhile, ACB is the bank with the lowest interest rate for this term among joint stock commercial banks with 4.9%/year.
For the group of state-owned commercial banks, Vietcombank has the lowest interest rate at the counter, at 4.6%/year, while the other three banks all listed their interest rates at 4.7%/year. For online banking, Agribank keeps its interest rate at 4.8%/year. BIDV and VietinBank both list their interest rates at 4.7%/year. Vietcombank's savings interest rate is 4.6%/year.
For the 18-month term, HDBank is applying the highest savings interest rate at the counter at 6%/year. Following are Vikki Digital Bank at 5.9%, Timo by BVBank at 5.85%, Bac A Bank, PGBank and Vietbank all at 5.8%. Meanwhile, Bac A Bank and HDBank recorded the highest online deposit interest rate at 6.1%/year.
For the 24-month term, the highest bank interest rate is Bac A Bank with 6%/year (online) while Timo by BVBank and Vikki Digital Bank are leading with the highest savings interest rate at the counter of 5.9%/year. Bac A Bank and Vietbank continue to maintain the high level of 5.8%/year (at the counter). Except for the group of banks in the Big4 group with ACB and Techcombank, other commercial banks all have 24-month term interest rates above 5%.
At the counter, three banks in the Big 4 group, VietinBank, BIDV and Agribank, listed interest rates at 4.8%/year. Meanwhile, the listed interest rate at Vietcombank was recorded at 4.7%/year.
In the online form, three banks BIDV, VietinBank and Vietcombank listed interest rates at 4.9%/year, 4.8%/year and 4.7%/year respectively.
The above savings interest rates are for direct deposits at the counter as well as online deposits of individual customers, interest is received at the end of the term and is subject to change. Banks have their own interest rate policies applied to different customer groups, depending on the deposit value. In addition, the actual mobilization interest rate may change depending on the capital balance of each bank branch.
Source: https://baohaiphongplus.vn/thang-7-gui-tiet-kiem-o-dau-co-loi-nhat-416394.html
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