Bank interest rates today August 26, 2025: Highest 7.3%/year when depositing over 24 months

According to the State Bank, the average VND deposit interest rate in July of domestic commercial banks was 0.1-0.2%/year for demand deposits and deposits with terms of less than 1 month; 3.3-4.0%/year for terms from 1 month to less than 6 months; 4.6-5.5%/year for terms from 6 months to 12 months; 4.9-6.1%/year for deposits with terms from over 12 months to 24 months.

Notably, the average deposit interest rate for terms over 24 months ranges from 6.9-7.3%/year.

Some banks are offering special interest rates to customers who deposit large amounts of money.

ABBank leads the market in special interest rates for super VIP customers, up to 9.65%/year when depositing for a 13-month term with an amount of VND1,500 billion or more. Meanwhile, the normal interest rate for the same term at this bank is only 5.3%/year.

PVCombank also listed a special interest rate of up to 9%/year, applied to 12 and 13 month term deposits, with the condition that customers must open a deposit account of at least 2,000 billion VND. This is the most difficult condition to meet in the current market.

At HDBank , special interest rates are applied for 12 and 13 month terms, respectively 7.7% and 8.1%/year, with customers required to receive interest at the end of the term and deposit a minimum amount of VND 500 billion.

Vikki Bank digital bank applies special interest rates for customers with 13-month term deposits, deposit balance from 999 billion VND or more, 1.8% higher per year than the regular interest rate for the same term. The highest mobilization interest rate for special customers of Vikki Bank is 7.5% per year.

In addition, for individual customers who deposit for a term of 6-12 months and receive interest at the end of the term, Vikki Bank offers an additional interest rate of 0.05%/year for customers who deposit from 500 million to less than 1 billion VND; and an additional 0.1%/year for customers who deposit from 1 billion VND or more.

At LPBank , the highest interest rate at the counter is 5.5%/year. However, for deposits of 300 billion VND or more, the interest rate applied to customers receiving interest at the end of the term is 6.5%/year, receiving interest monthly is 6.3%/year, and receiving interest at the beginning of the term is 6.07%/year.

200 billion VND is the condition thatACB Bank offers to VIP customers if they want to receive the highest interest rate of 6%/year when depositing money for a 13-month term. In case of receiving interest monthly, the highest mobilization interest rate will be 5.9%/year.

In addition to the above special interest rate policy, some banks add interest rates for depositors, such as SeABank, Techcombank, VPBank... or apply ladder interest rates, such as ACB, VPBank, Techcombank, Bac A Bank, Eximbank, OCB, LPBank.

Some banks, such as Viet A Bank, have also introduced new savings products with the highest interest rate of up to 6.8%/year.

Eximbank has also recently expanded its Combo Casa deposit product, with the highest interest rate being 6%/year.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON AUGUST 26, 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	5.35	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
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	4.25	5.15	4.65	5.35	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