According to a survey by Lao Dong Newspaper on April 13, 2025 with nearly 30 banks, the 6-month savings interest rate is fluctuating from 3 - 5.7%/year.
Cake by VPBank is listing the highest interest rate for a 6-month term at 5.7%/year when customers receive interest at the end of the term. When customers receive interest at the beginning of the term, monthly and quarterly, they will receive interest rates of 5.48%, 5.61% and 5.65%/year, respectively.
Currently, Cake by VPBank is listing the highest interest rate at 6% when customers deposit money for a term of 12-36 months.
VCBNeo lists the highest interest rate for a 6-month term at 5.7%/year when customers deposit money online and receive interest at the end of the term. Currently, VCBNeo lists the highest interest rate at 5.85% when customers deposit money for 12 months or more.
Vikki Bank lists the highest interest rate for a 6-month term at 5.65%/year when customers deposit money online and receive interest at the end of the term. Currently, the highest interest rate Vikki Bank is listing is 6% when customers deposit money for 13 months.
For other terms, Vikki Bank lists rates from 0.5-6%/year.
Savings deposit How to receive interest after 6 months?
Formula for calculating bank savings interest:
Interest = Deposit x interest rate (%)/12 months x number of months of deposit
For example, you deposit 500 million VND in Bank A, with an interest rate of 5.7% for a 6-month term. The interest you receive is estimated at:
500 million VND x 5.7%/12 x 6 months = 14.25 million VND.
For example, you deposit 200 million VND in Bank A, with an interest rate of 5.7% for a 6-month term. The interest you receive is estimated at:
200 million VND x 5.7%/12 x 6 months = 5.7 million VND.
Before making a deposit, people should compare savings interest rates between banks and interest rates between terms to get the highest interest.
Source
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