At the same time that MB Bank offered an additional interest rate of up to 0.8%/year for customers making online savings deposits, the Bank for Foreign Trade of Vietnam ( Vietcombank ) also simultaneously launched many incentives for customers making savings deposits.

This can be considered a strange move by Vietcombank, because this bank has always maintained the lowest interest rate not only in the Big 4 banking group but also in the market.

Even after many changes in deposit interest rates of commercial banks, Vietcombank still maintains the lowest interest rate in over a year.

According to a recent announcement by Vietcombank, the bank has officially announced a special promotion program for customers making savings deposits at the counter and online from September 25 to October 31.

Accordingly, for each savings deposit of 30 million VND or more, with a term of 6 or 12 months, customers will be given a lucky draw code. There will be 1 special prize worth 1 billion VND, 10 first prizes worth 100 million VND each and 20 second prizes worth 50 million VND each.

In particular, on golden days and on October 1 (for customers aged 60 and over), October 20 (for female customers), customers will have double the chance of winning when the number of entry codes is doubled.

In addition to the lottery program, customers who deposit 1 billion VND or more at the transaction counter will receive VCB Loyalty points equivalent to 0.1% of the deposit amount. Customers can use VCB Loyalty points to convert into e-Vouchers for payment discounts (via VNPAY -QR) at shopping points under Vietcombank's program.

Recently, some banks, although not officially increasing savings interest rates, have launched incentive programs for depositors.

Most recently, MB Bank announced an additional savings interest rate of up to 0.8%/year for depositors when making online savings via the MB Bank application from September 29 to October 14.

The condition to apply the preferential bank interest rate as above is that customers deposit savings with a term of 2 - 3 - 6 - 9 months, with a deposit of 30 million VND or more. The program only applies to customers who deposit savings and receive interest at the end of the term on the MB Bank application.

Previously, MB also offered an additional 0.3%/year interest rate for customers making online savings deposits from August 18-28.

Techcombank also applies a policy of adding 0.5% interest per year to the first savings deposit. The guaranteed additional interest rate does not exceed 4.4% per year for a 3-month term, 5.3% per year for a 6-month term and 5.5% per year for a 12-month term.

Vikki Bank also announced a program to give an additional 0.4%/year interest rate on deposits to customers aged 80 and over and customers working in the People's Armed Forces.

Meanwhile, SeABank has long maintained a policy of giving an additional interest rate of 0.5%/year to customers who deposit online savings of 100 million VND or more with terms of 6 months, 12 months and 13 months.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON OCTOBER 1, 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 4 4.3 5.4 5.45 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
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
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 4.25 4.45 5.8 6.1 6.1
VPBANK 3.7 3.8 4.7 4.7 5.2 5.2
SCB 1.6 1.9 2.9 2.9 3.7 3.9

Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-1-10-2025-gui-tiet-kiem-co-hoi-trung-den-1-ty-dong-2447862.html