Bank interest rates 7/5/2025: Bank interest rates surprise...

Bank interest rates today, July 5, 2025, recorded that four banks that were forced to transfer, GPBank, Vikki Bank, MBV and VCBNeo, are leading the deposit interest rate market by paying the highest interest rates at all terms.

In terms of overall deposit terms, all four banks have certain advantages. For deposit terms under 6 months, only Eximbank can compete with this group in terms of interest rates.

Specifically, the interest rate for 1-2 month term at Eximbank is 4.3%/year, the interest rate for 3-5 month term is 4.5%/year, applied to customers making online savings deposits from Monday to Friday.

For customers who deposit savings online during the weekend (Saturday and Sunday), Eximbank's interest rate for 1-2 month terms is listed at 4.6%/year, and for 3-5 month terms is 4.7%/year.

Eximbank is the bank that lists the highest interest rate for online savings with terms of less than 6 months.

However, the average mobilization interest rate of the group of mandatory transfer banks such as GPBank, Vikki Bank, MBV and VCBNeo is showing superiority in most terms.

In particular, for the highest online deposit interest rates for terms of 6-36 months, Vikki Digital Commercial Bank Limited (Vikki Bank) and Global Petroleum Commercial Bank Limited (GPBank) are the two banks paying the highest deposit interest rates among commercial banks in Vietnam.

Vietnam Modern Bank (MBV) and Vietnam Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCBNeo) are also in the group of banks paying the highest deposit interest rates according to average deposit interest rates.

For online deposit interest rates for terms from 1-5 months, GPBank and Vikki Bank are only behind Eximbank and MBV.

Specifically, Vikki Bank listed online savings interest rates for 1-month term at 4.15%/year (second only to Eximbank), 2-month term at 4.2%/year, and 3-month term at 4.35%/year.

The online deposit interest rate for a 6-month term is listed by Vikki Bank at 5.65%/year (the highest rate on the market today, equal to the interest rate listed by GPBank) and for a 12-month term is 5.95%/year.

Notably, Vikki Bank is a rare bank that maintains a deposit interest rate of 6%/year, applied to term deposits from 13 months.

At GPBank , this bank listed the online deposit interest rate for a 1-2 month term, with interest paid at the end of the term, at 3.95%/year; 3-month term at 4.05%/year and 4-5 month term at 4.3%/year.

Along with Vikki Bank, GPBank also listed the highest savings interest rate for terms of 6-8 months, at 5.65%/year. At the same time, this bank also holds the highest position in terms of mobilization interest rates applied for terms of 9 months, up to 5.75%/year.

GPBank is sharing the leading position in the market with Vikki Bank in applying the 12-month term deposit interest rate at 5.95%/year. This is also the highest deposit interest rate at GPBank and is applied to all terms from 12-36 months.

At MBV Bank, the current online banking interest rate for a 1-month term is 4.1%/year, for a 2-month term is 4.2%/year, and for a 3-month term is 4.4%/year.

Notably, MBV pays the highest interest rate in the market when applying interest rates of up to 4.7%/year for online deposits with a term of 4-5 months.

Online banking interest rates for 6-8 month terms at MBV are 5.5%/year, 9-month term interest rates are 5.6%/year and 10-11 month term interest rates are 5.7%/year.

MBV is applying interest rates up to 5.8%/year for online savings deposits with terms of 13-15 months, the highest rate is up to 5.9%/year for deposits with terms of 18-36 months.

The remaining bank in the group of 4 banks that are forced to transfer is VCBNeo . Although Vietcombank always maintains the lowest interest rate in the market, its subsidiary bank VCBNeo is in the top.

Currently, online deposit interest rates at VCBNeo are listed as follows: 1-2 month term is 4.15%/year; 3-5 month term is 4.35%/year; 6-8 month term is 5.4%/year; 9-11 month term is 5.45%/year; 12 month term is 5.5%/year and the highest is 5.55%/year, applied to terms from 13-60 months.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 4, 2025 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
GPBANK	3.95	4.05	5.65	5.75	5.95	5.95
VIKKI BANK	4.15	4.35	5.65	5.65	5.95	6
MBV	4.1	4.4	5.5	5.6	5.8	5.9
VCBNEO	4.15	4.35	5.4	5.45	5.5	5.55
BAOVIETBANK	3.5	4.35	5.45	5.5	5.8	5.9
ABBANK	3.2	3.9	5.4	5.5	5.7	5.5
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
NCB	4	4.2	5.35	5.45	5.6	5.6
HDBANK	3.85	3.95	5.3	5.3	5.6	6.1
BAC A BANK	3.8	4.1	5.25	5.35	5.5	5.8
BVBANK	3.95	4.15	5.15	5.3	5.6	5.9
KIENLONGBANK	3.7	3.7	5.1	5.2	5.5	5.45
LPBANK	3.6	3.9	5.1	5.1	5.4	5.4
VIET A BANK	3.7	4	5.1	5.3	5.6	5.8
MSB	3.9	3.9	5	5	5.6	5.6
OCB	3.9	4.1	5	5	5.1	5.2
PGBANK	3.4	3.8	5	4.9	5.4	5.8
EXIMBANK	4.3	4.5	4.9	4.9	5.1	5.6
NAM A BANK	3.8	4	4.9	5.2	5.5	5.6
SACOMBANK	3.3	3.6	4.9	4.9	5.4	5.6
SHB	3.5	3.8	4.9	5	5.3	5.5
SAIGONBANK	3.3	3.6	4.8	4.9	5.6	5.8
TPBANK	3.5	3.8	4.8	4.9	5.2	5.5
VIB	3.7	3.8	4.7	4.7	4.9	5.2
TECHCOMBANK	3.45	3.75	4.65	4.65	4.85	4.85
VPBANK	3.6	3.7	4.6	4.6	5.1	5.1
PVCOMBANK	3.3	3.6	4.5	4.7	5.1	5.8
MB	3.5	3.8	4.4	4.4	4.9	4.9
ACB	3.1	3.5	4.2	4.3	4.9
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
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
SCB	1.6	1.9	2.9	3.7	3.9	4.7
VIETCOMBANK	1.6	1.9	2.9	2.9	4.6	4.6