Interest rates of 10% per year have appeared.

Bank interest rates today, January 9th: 10%/year interest rate appears. — Graphics: Tuyet Lan

Which bank currently offers the highest interest rates?

PVcomBank currently offers the highest savings interest rate on the market, up to 10%, applicable to deposits of 12-13 months and requiring a minimum deposit of 2,000 billion VND.

Ranked second is HDBank, offering an interest rate of 8.4%/year for a 13-month term, provided a minimum balance of VND 300 billion is maintained, and 8%/year for a 12-month term.

For a 6-month term, savings interest rates at banks in the system range from 3.25% to 5.5% per year.

For a 12-month term, savings interest rates at banks within the system range from 4.3% to 10% per year.

For a 24-month term, savings interest rates at banks in the system range from 4% to 6.3% per year.

Here is a list of banks currently offering the highest savings interest rates:

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Compare the highest bank interest rates for a 6-month term.

Comparison of the highest bank interest rates for a 6-month term. Graphic: Tuyet Lan

Compare the highest bank interest rates for a 12-month term.

Comparison of the highest bank interest rates for a 12-month term. Graphic: Tuyet Lan

Compare the highest bank interest rates for a 24-month term.

Comparison of the highest bank interest rates for a 24-month term. Graphic: Tuyet Lan.

According to Mr. Pham Chi Quang, Director of the Monetary Policy Department (State Bank of Vietnam), in the interbank market (Market 1), overnight interest rates are currently very low at 0.2-0.5%, creating favorable conditions for commercial banks to lend at low interest rates. In the secondary market (Market 2), the average deposit interest rate applied by commercial banks to newly arising transactions is only about 3.9%/year, while the average lending interest rate for newly arising transactions is 6.7%/year, a decrease of over 2% compared to the end of 2022.

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"It can be said that both deposit and lending interest rates at commercial banks are currently significantly lower than before the COVID-19 pandemic," Mr. Quang said.

Regarding the gap between lending and deposit interest rates, Deputy Governor of the State Bank of Vietnam, Dao Minh Tu, stated that some high interest rates still remain from previous terms, as commercial banks mobilized funds at high interest rates at that time. "However, this level will certainly not be maintained by 2024," the Deputy Governor emphasized.

Interest rate information is for reference only and may change from time to time. Please contact your nearest bank branch or hotline for specific advice.

Readers can find more articles about the highest bank interest rates HERE.

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