Bank interest rates July 7, 2025: Deposit interest rates below...

Bank interest rates today, July 7, 2025, the highest interest rate on deposits with terms of less than 6 months is 4.7%/year but only for customers who deposit savings online during the last two days of the weekend.

After Vietnam Export Import Commercial Joint Stock Bank (Eximbank) increased online deposit interest rates for savings products for individual customers over the weekend, the highest deposit interest rate on the market is currently 4.7%/year applied by Eximbank for deposit terms of 3-5 months with interest paid at the end of the term.

This mobilization interest rate has approximately the ceiling interest rate prescribed by the State Bank for deposits with terms of less than 6 months, which is 4.75%/year.

Meanwhile, Eximbank listed the online deposit interest rate for 1-2 month term for two weekends, with interest paid at the end of the term, at 4.3%/year. This is also the highest deposit interest rate on the market today for these two terms.

For online deposit interest rates applied for the last two days of the week but with monthly interest payments, Eximbank is also leading the 3-5 month term with interest rates up to 4.5%/year (0.2%/year lower than the deposit interest rate with interest payments at the end of the term).

Eximbank is also the only bank that has a dedicated interest rate schedule for the weekend.

For bank interest rates with terms under 6 months applied to all working days of the week, Eximbank is also leading when listing interest rates of 4.3%/year for term deposits of 1-2 months, and bank interest rates of 4.5%/year for term deposits of 3-5 months.

In addition to Eximbank, another bank, MBV, is also listing savings interest rates of up to 4.7%/year for individual customers making online savings deposits for a term of 4-5 months.

MBV is listed online banking interest rates for 1-month term at 4.1%/year, 2-month term at 4.2%/year, and 3-month term at 4.4%/year.

After the highest interest rate of 4.7%/year applied by MBV and Eximbank, the second highest interest rate is 4.5%/year applied by VietBank for terms of 4-5 months. Besides VietBank and Eximbank, no other bank currently applies this interest rate.

Meanwhile, NCB and OCB came next when announcing interest rates of 4.5%/year for a 5-month term.

However, in addition to Eximbank, OCB, NCB, and VietBank, the group of 4 mandatory transfer banks including GPBank, Vikki Bank, MBV, and VCBNeo are still dominating in terms of savings interest rates for terms from 1 to 5 months in general.

In addition to the online savings interest rate with interest paid at the end of the term at MBV as mentioned above, the online savings interest rate with interest paid at the end of the term at VCBNeo applies to terms from 1 to 5 months including: Interest rate for 1-2 month term 4.15%/year; Interest rate for 3-5 month term 4.35%/year.

Online banking interest rates for 1-5 month terms at Vikki Bank are listed as follows: 1-month term 4.15%/year, 2-month term 4.2%/year, 3-5 month term 4.35%/year.

At GPBank, online deposit interest rates with interest paid at the end of the term apply to deposit terms of 1-5 months including: 1-2 month term 3.95%/year; 3-month term 4.05%/year; and 3-5 month term interest rate is 4.3%/year.

Besides the above banks, a few banks are applying deposit interest rates from 4%/year for savings deposits with terms of less than a month.

These include: NCB (term 1 - 5 months), BVBank (term 2-5 months), Bac A Bank , Nam A Bank, OCB, Viet A Bank, and BaoViet Bank (term 3 - 5 months).

INTEREST RATES FOR ONLINE DEPOSITS WITH TERM OF 1 - 5 MONTHS AT BANKS ON JULY 7, 2025 (%/YEAR)
BANK	1 MONTH	2 MONTHS	3 MONTHS	4 MONTHS	5 MONTHS
EXIMBANK	4.3	4.3	4.5	4.5	4.5
VCBNEO	4.15	4.15	4.35	4.35	4.35
VIETBANK	4.15	4.2	4.35	4.35	4.35
MBV	4.1	4.2	4.4	4.7	4.7
NCB	4	4.1	4.2	4.3	4.4
BVBANK	3.95	4	4.15	4.2	4.25
GPBANK	3.95	3.95	4.05	4.3	4.3
MSB	3.9	3.9	3.9	3.9	3.9
HDBANK	3.85	3.85	3.95	3.95	3.95
BAC A BANK	3.8	3.8	4.1	4.2	4.3
NAM A BANK	3.8	3.9	4	4	4
OCB	3.8	3.9	4	4	4.4
KIENLONGBANK	3.7	3.7	3.7	3.7	3.9
VIB	3.7	3.8	3.8	3.8	3.8
VIET A BANK	3.7	3.9	4	4.1	4.1
LPBANK	3.6	3.7	3.9	3.9	3.9
BAOVIETBANK	3.5	3.6	4.35	4.4	4.5
MB	3.5	3.6	3.8	3.8	3.8
SHB	3.5	3.5	3.8	3.8	3.9
TPBANK	3.5	3.7	3.8	3.8	3.8
VPBANK	3.5	3.5	3.5	3.5	3.5
TECHCOMBANK	3.45	3.45	3.75	3.75	3.75
PGBANK	3.4	3.5	3.8
PVCOMBANK	3.3	3.4	3.6	3.7	3.8
SACOMBANK	3.3	3.5	3.6	3.6	3.6
SAIGONBANK	3.3	3.3	3.6	3.6	3.6
ABBANK	3.2	3.4	3.9	3.9	3.9
ACB	3.1	3.2	3.5	3.5	3.5
SEABANK	2.95	2.95	3.45	3.45	3.45
AGRIBANK	2.4	2.4	3	3	3
BIDV	2	2	2.3	2.3	2.3
VIETINBANK	2	2	2.3	2.3	2.3
VIETCOMBANK	1.6	1.6	1.9	1.9	1.9
SCB	1.6	1.6	1.9	1.9	1.9