According to information from the State Bank of Vietnam (SBV), from the beginning of 2025 until now, deposit interest rates of commercial banks have been relatively stable, some banks continue to adjust deposit interest rates down, creating momentum for lending interest rates to continue to decrease.

In July alone, banks reduced deposit interest rates, including: Bac A Commercial Joint Stock Bank ( Bac A Bank ) reduced 0.1%/year interest rates for all terms and types of deposits.

Vietnam International Commercial Joint Stock Bank ( VIB ) reduced 0.1%/year for 36-month savings interest rates at the counter from 1 billion VND to under 5 billion VND.

Bao Viet Commercial Joint Stock Bank (BaoViet Bank) has adjusted its savings interest rates down by 0.15-0.2%/year for terms of 6-13 months.

Previously, some banks also adjusted their listed deposit interest rates down, such as Loc Phat Vietnam Commercial Joint Stock Bank (LPB) reduced 0.2%/year interest rate for 18-60 month terms for online deposits; National Citizen Commercial Joint Stock Bank (NCB) reduced 0.1%/year depending on the term...

According to the interest rate market report just announced by Bao Viet Securities Company (BVSC), the average mobilization interest rate in July 2025 for a 6-month term was 4.48%, down 0.02% compared to June; for a 12-month term was 5.05%/year, down 0.02% compared to the previous month.

However, commercial banks in the Big4 group ( Agribank , BIDV, VietinBank, Vietcombank) continue to keep bank interest rates unchanged at main terms.

Meanwhile, the interest rate of banks with equity capital under VND5,000 billion decreased from 5.4% to 5.35%; the interest rate of banks with equity capital over VND5,000 billion decreased from 4.99% to 4.97%.

Current deposit interest rates are still lower than during the Covid-19 pandemic, helping to support credit growth and economic growth. BVSC maintains its view that credit growth this year could reach 16%.

Meanwhile, lending interest rates have continued to trend downward since the beginning of the year. Data from the State Bank of Vietnam shows that the new average lending interest rate is at 6.23%/year, down 0.7%/year compared to the end of 2024, thereby contributing to supporting businesses and individuals to develop production and business.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON JULY 23, 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
VIETCOMBANK 1.6 1.9 2.9 2.9 4.6 4.6
ABBANK 3.2 3.9 5.4 5.5 5.7 5.5
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 5.1 5.6
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 3.3 3.6 4.9 4.9 5.4 5.6
SAIGONBANK 3.3 3.6 4.8 4.9 5.6 5.8
SCB 1.6 1.9 2.9 2.9 3.7 3.9
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 3.5 3.8 4.8 4.9 5.2 5.5
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 3.7 4.7 4.7 5.2 5.2

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-23-7-2025-chuyen-la-lung-tren-thi-truong-lai-suat-2424726.html