Which bank deposit has the highest interest rate in July?

(Dan Tri) - The number of banks reducing interest rates in the market has gradually decreased. Currently, there are 3 parties paying interest rates of 6%/year for a 12-month term.

According to a survey by Dan Tri newspaper reporters, after a series of interest rate cuts by banks since the end of February, by June, the number of units reducing interest rates had gradually thinned out.

However, banks are gradually reducing deposit interest rates. The move comes after the Prime Minister ordered an intensive inspection of banks that have recently increased deposit interest rates.

The head of the Government requested strict handling of violations and non-compliance with the directive. In particular, the Governor of the State Bank needs to consider and decide on the use of management tools on credit growth limits and license revocation as prescribed.

There are 6 banks changing their deposit interest rates in June (Photo: Manh Quan).

According to statistics from the State Bank, 30 units reduced deposit interest rates from 0.1%/year to 1.05%/year. However, since the beginning of May, the reduction in deposit interest rates has slowed down. In June, 6 banks changed their deposit interest rate tables: HDBank, GPBank, LPBank, NCB, Bac A Bank , VPBank. 4 parties reduced interest rates: LPBank, NCB, Bac A Bank, VPBank.

The four state-owned commercial banks, Agribank, Vietcombank, VietinBank, and BIDV, are still the banks with the lowest deposit interest rates on the market today. These units currently list the highest interest rate at 4.8%/year, while the lowest interest rate is only 1.6%/year.

*Interest rate table at some banks (unit: %/year)

Bank	1 month	3 months	6 months	12 months
Agribank	2.4	3	3.7	4.8
BIDV	2	2.3	3.3	4.7
VietinBank	2	2.3	3.3	4.7
Vietcombank	1.6	1.9	2.9	4.6
ABBank	3.2	3.9	5.4	5.7
ACB	3.1	3.5	4.2	4.9
Eximbank	4.3	4.5	4.9	5.1
LPBank	3.6	3.9	5.1	5.4
MB	3.5	3.8	4.4	4.9
MSB	3.9	3.9	5	5.6
OCB	3.9	4.1	5	5.1
SHB	3.5	3.8	4.9	5.3
TPBank	3.5	3.8	4.8	5.5

Interest rates of 6%/year are very rare in the market. According to the current interest rate table, the highest rate in the market is 6.1%/year, but only 3 banks list rates of 6%/year or higher.

Bac A Bank lists an interest rate of 6.1%/year for term deposits of 18-36 months, with interest paid at the end of the term. However, this highest interest rate is only applied to deposits over 1 billion VND.

At HDBank, the interest rate for 18-month deposits at the counter, with interest paid at the end of the term, is listed at 6% per year. For online interest rates, HDBank lists a bank interest rate of 6% per year for 15-month deposits (interest paid at the end of the term) and the highest interest rate is up to 6.1% per year for 18-month deposits.

The third bank listed at 6%/year is Vikki Digital Bank Limited (Vikki Bank). Vikki Bank applies an online deposit interest rate of 6%/year for savings deposits with terms of 13 months or more. This is also the highest deposit interest rate among Vikki Bank's deposit products.

Source: https://dantri.com.vn/kinh-doanh/gui-tien-ngan-hang-nao-nhan-lai-suat-cao-nhat-thang-7-20250701001038926.htm