Before Tet (Lunar New Year), which bank offers the highest interest rate for deposits?

(Dan Tri Newspaper) - A series of banks are increasing interest rates to attract depositors before the Lunar New Year. Since the beginning of the year, 10 banks have adjusted their savings interest rate schedules.

Since the beginning of January, 10 banks have announced new interest rate schedules. Compared to the previous survey by Dan Tri reporters, in addition to smaller banks, this round of interest rate adjustments also includes large-capitalization banks.

Specifically, eight banks increased deposit interest rates, including Agribank , Bac A Bank, NCB, MBV (formerly OceanBank), ABBank, Eximbank, VietBank, and KienlongBank. KienlongBank and Eximbank even increased interest rates twice since the beginning of the month.

Interest rates increased at the beginning of the year.

According to Agribank's new interest rate schedule, over-the-counter deposit interest rates for short-term maturities such as 3-5 months and 6-9 months reached 3%/year and 3.7%/year respectively, an increase of 0.1 percentage point/year. Conversely, interest rates for longer maturities of 12-36 months decreased by 0.1 percentage point/year, to 4.7-4.8%/year. The bank's online savings channel offers higher interest rates.

Smaller banks have also adjusted their savings interest rates. At NCB, deposit rates for terms of 1-5 months have increased by 0.2 percentage points per year compared to the end-of-2024 interest rate schedule, reaching 4.1-4.5% per year. Conversely, deposit rates for terms of 12-60 months have decreased by 0.1 percentage points per year, down to 5.7% per year.

Trước Tết, gửi tiền ngân hàng nào nhận lãi suất cao nhất? - 1 — Ten banks have adjusted interest rates since the beginning of the year (Photo: Tien Tuan).

MBV increased deposit interest rates by 0.2 percentage points per year for short-term maturities and 0.1 percentage points per year for long-term maturities. Depositors with maturities of 1-5 months receive an interest rate of 4.7% per year, the highest in the market; those with maturities of 6-15 months receive approximately 5.5-5.8% per year; and those with maturities over 18 months receive an interest rate of 6.1% per year.

Two banks, KienlongBank and Eximbank, have adjusted interest rates twice since the beginning of the month. At KienlongBank, the 12-month term increased by 0.2 percentage points per year, to 6.1% per year. The 12-17 month terms increased by 0.35 percentage points per year, also reaching 6.1% per year. Previously, on January 9th, the bank increased interest rates across all terms from 1 to 36 months, with increases ranging from 0.1 to 0.4 percentage points per year.

At Eximbank, interest rates increased by between 0.1 and 0.8 percentage points, with the highest rate being 6.7% per year, applicable to deposits with a term of 18 months. This bank had previously raised interest rates.

*Interest rate chart of some banks (unit: %/year)

Bank	1 month	3 months	6 months	12 months
Agribank	2.4	3	4.7	4.7
MB	2	2.3	3.3	4.7
VietinBank	2	2.3	3.3	4.7
Vietcombank	1.6	1.9	2.9	4.6
ABBank	3.2	3.6	5.8	5.9
ACB	3.1	3.5	4.2	4.9
Eximbank	4	4.3	5.3	5.5
LPBank	3.6	3.9	5.1	5.5
MB	3.7	4	4.6	5.1
VPBank	3.8	4	5	5.5
Sacombank	3.3	3.6	4.9	5.4

Exceptionally high interest rates for customers depositing hundreds or thousands of billions of dong.

PVcomBank, ACB, HDBank, DongA Bank, MSB, LPBank... are among the banks that maintain special interest rates, significantly higher than those listed in online deposit interest rate tables. However, these special interest rates only apply to customers with deposit balances ranging from hundreds to thousands of billions of VND.

Trước Tết, gửi tiền ngân hàng nào nhận lãi suất cao nhất? - 2 — Customers have the opportunity to earn interest rates of up to 9% per year on deposits of 2 trillion VND (Photo: Tien Tuan).

At PVcomBank, customers can receive an interest rate of 9% per year if they deposit an amount of 2,000 billion VND or more with a term of 12 or 13 months.

At HDBank, special interest rates are being applied to 12-month and 13-month terms at 7.7% and 8.1% per annum, respectively. Individual customers receive interest at the end of the term and must deposit a minimum of VND 500 billion to qualify for this rate.

At MSB, customers depositing 500 billion VND or more will receive the highest deposit interest rate of 8% per year for a 13-month term and 7% per year for a 12-month term.

At DongA Bank, a special interest rate of 7.5% per year is being applied for a 13-month term. The condition is a minimum deposit balance of 200 billion VND.

According to forecasts from securities companies, deposit interest rates are likely to remain stable in 2025. This is due to support from the State Bank of Vietnam's efforts to boost credit in 2025, along with its continued focus on monitoring domestic and international market developments, supporting liquidity, and enabling credit institutions to provide credit to the economy while promptly implementing appropriate monetary policy measures.

(Dan Tri Newspaper) - A series of banks are increasing interest rates to attract depositors before the Lunar New Year. Since the beginning of the year, 10 banks have adjusted their savings interest rate schedules.

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