Bank interest rates today August 13, 2025: Increasing again with a series of terms

According to Bao Viet Securities Company (BVSC), deposit interest rates have increased again in some major terms since the beginning of August.

At 6-month term, average mobilization interest rate increased by 0.01%, to 4.48%; at 12-month term, it increased from 5.04% to 5.07%.

State-owned commercial banks continued to keep deposit interest rates unchanged at key terms, while other commercial banks recorded an increase in deposit interest rates.

At a meeting with commercial banks in early August, the State Bank of Vietnam (SBV) said that the average lending interest rate for the entire system had decreased to 6.53%/year, 4 basis points lower than at the end of 2024.

The State Bank reaffirmed its flexible monetary policy direction, supported liquidity, and requested credit institutions to implement solutions to reduce deposit interest rates, contributing to stabilizing the monetary market and creating room to reduce lending interest rates.

The State Bank also requested credit institutions to continue to take more drastic measures to reduce operating costs, increase the application of information technology, digital transformation, simplify procedures and other measures to reduce lending interest rates, and support people and businesses in accessing credit capital.

According to BVSC, in the context of controlled inflation and moderate exchange rate pressure, the State Bank of Vietnam will likely maintain low operating interest rates, deposit interest rates and lending interest rates to stimulate credit demand, thereby supporting economic growth.

According to the report of the State Bank of Vietnam in the week from August 4-8, the transaction turnover in the interbank market in the period in VND reached approximately VND 2,819,190 billion, an average of VND 563,838 billion/day, a decrease of VND 83,897 billion/day compared to the previous week;

USD transaction turnover converted to VND during the week reached about 690,897 billion VND, an average of 138,179 billion VND/day, down 3,631 billion VND/day compared to the previous week.

By term, VND transactions mainly focus on overnight term (94% of total VND transaction turnover) and 1-week term (3% of total VND transaction turnover).

For USD trading, the tenors with the largest turnover are overnight and 1-week tenors with proportions of 90% and 8% respectively.

Regarding average interest rates, for VND transactions in the interbank market, there is a strong upward trend in most key terms compared to last week.

Specifically, the average interest rates for overnight, 1-week and 1-month terms increased by 1.38%/year, 0.72%/year and 0.4%/year to 5.81%/year, 5.64%/year and 5.37%/year, respectively.

For USD transactions, the average interest rate tends to fluctuate less than last week. Specifically, the average overnight interest rate remained unchanged and remained at 4.29%/year, the 1-week interest rate decreased slightly by 0.02%/year to 4.30%/year; on the contrary, the 1-month interest rate increased slightly by 0.03%/year to 4.41%/year.

ONLINE DEPOSITS INTEREST RATES AT BANKS ON AUGUST 13, 2025 (%/YEAR)
BANK	1 MONTH	3 MONTHS	6 MONTHS	9 MONTHS	12 MONTHS	18 MONTHS
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
VIETCOMBANK	1.6	1.9	2.9	2.9	4.6	4.6
ABBANK	3.1	3.8	5.3	5.4	5.6	5.4
ACB	3.1	3.5	4.2	4.3	4.9
BAC A BANK	3.8	4.1	5.25	5.35	5.5	5.8
BAOVIETBANK	3.5	4.35	5.45	5.5	5.8	5.9
BVBANK	3.95	4.15	5.15	5.3	5.6	5.9
EXIMBANK	4.3	4.5	4.9	4.9	5.2	5.7
GPBANK	3.95	4.05	5.65	5.75	5.95	5.95
HDBANK	3.85	3.95	5.3	5.3	5.6	6.1
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
MB	3.5	3.8	4.4	4.4	4.9	4.9
MBV	4.1	4.4	5.5	5.6	5.8	5.9
MSB	3.9	3.9	5	5	5.6	5.6
NAM A BANK	3.8	4	4.9	5.2	5.5	5.6
NCB	4	4.2	5.35	5.45	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
PVCOMBANK	3.3	3.6	4.5	4.7	5.1	5.8
SACOMBANK	3.6	3.9	4.8	4.8	5.3	5.5
SCB	3.3	3.6	4.8	4.9	5.6	5.8
SEABANK	2.95	3.45	3.95	4.15	4.7	5.45
SHB	3.5	3.8	4.9	5	5.3	5.5
TECHCOMBANK	3.45	3.75	4.65	4.65	4.85	4.85
TPBANK	3.7	4	4.9	5	5.3	5.6
VCBNEO	4.35	4.55	5.6	5.45	5.5	5.55
VIB	3.7	3.8	4.7	4.7	4.9	5.2
VIET A BANK	3.7	4	5.1	5.3	5.6	5.8
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VIKKI BANK	4.15	4.35	5.65	5.65	5.95	6
VPBANK	3.7	3.8	4.7	4.7	5.2	5.2