In addition to the interest rate of over 6%/year that some banks are listing for long-term deposits, some banks still maintain a "special interest rate" policy for certain terms.
PVCombank is leading the market in terms of “special interest rates” when customers deposit money at the counter, with 9.5% for a 12-13 month term, the highest in the market today. However, the condition to receive an interest rate of up to 9.5%/year is that customers must have a minimum deposit balance of VND 2,000 billion.
In addition to PVCombank, some other banks such as DongA Bank,ACB , MSB,... are also maintaining special interest rates.
At MSB, the special interest rate has been reduced from 8.5%/year to 7%/year, with the condition that customers need to have a minimum deposit balance of 500 billion VND and deposit for a term of 12-13 months.
However, MSB also applies a "special interest rate" policy for "ordinary" customers, allowing depositors to receive real interest rates 0.3-0.5% higher per year than the online deposit interest rate announced by the bank.
Specifically, MSB listed the online term deposit product "special interest rate" at 5.1%/year for 6-month term, 5.7%/year for 12-month, 15-month and 24-month terms.
HDBank listed "special interest rates" for 13-month term deposits at up to 8.1%/year, and 12-month term deposits at 7.7%/year. These bank interest rates are 2.3%-2.5%/year higher than the counter interest rates applied to regular customers. The condition to receive the above interest rates is that customers deposit at least 500 billion VND and receive interest at the end of the term.
Dong A Bank is also one of the banks that pays a “special interest rate” of up to 7.5%/year for 13-month term deposits, 2.2%/year higher than the normal mobilization interest rate listed by this bank. Depositors only need to have a deposit balance of 200 billion VND or more.
The deposit limit of 200 billion VND is also a condition for ACB Bank to allow customers to enjoy a "special interest rate" when making a 13-month deposit at the counter. However, this interest rate is lower than the normal interest rate at many other banks, only at 5.9%/year and 5.7%/year if choosing to receive interest at the beginning of the term.
In addition to the special interest rates announced by banks, the highest deposit interest rate listed by banks today is 6.15%/year listed by NCB Bank for 18-60 month term deposits.
Some other banks are listing interest rates of 6% or higher. Dong A Bank listed interest rates of 6%/year for 13-month term, and 6.1%/year for 18-36-month term. HDBank listed up to 6%, 6.1%/year for 15- and 18-month term deposits. Ocean Bank listed interest rates of up to 6%/year for 18-36-month term deposits.
The deposit interest rate of 6.1%/year is also listed bySHB Bank for online deposits with terms of 36-60 months. This is also the savings interest rate listed by Saigonbank for terms of 36 months. Saigonbank also listed an interest rate of 6%/year for deposits with terms of 13-24 months.
BVBank continues to maintain 6%/year for 18-24 month term deposits. This interest rate is also listed by BaoViet Bank for 18-36 month term deposits.
In October, only 3 banks increased their deposit interest rates since the beginning of the month, namely LPBank, Bac A Bank and Eximbank. The market recorded one bank that reduced its interest rate, Techcombank.
| HIGHEST DEPOSITS INTEREST RATES AT BANKS ON OCTOBER 10, 2024 (%/YEAR) | ||||||
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
| ABBANK | 3.2 | 3.7 | 5 | 5.2 | 5.6 | 5.7 |
| ACB | 3.1 | 3.5 | 4.2 | 4.3 | 4.9 | |
| AGRIBANK | 2 | 2.5 | 3.3 | 3.3 | 4.7 | 4.7 |
| BAC A BANK | 3.8 | 4.1 | 5.25 | 5.35 | 5.7 | 5.85 |
| BAOVIETBANK | 3.3 | 4 | 5.2 | 5.4 | 5.8 | 6 |
| BIDV | 2 | 2.3 | 3.3 | 3.3 | 4.7 | 4.7 |
| BVBANK | 3.8 | 4 | 5.2 | 5.5 | 5.8 | 6 |
| CBBANK | 3.8 | 4 | 5.55 | 5.5 | 5.7 | 5.85 |
| DONG A BANK | 3.9 | 4.1 | 5.55 | 5.7 | 5.8 | 6 |
| EXIMBANK | 3.9 | 4.3 | 5.2 | 4.5 | 5.2 | 5.8 |
| GPBANK | 3.2 | 3.72 | 5.05 | 5.4 | 5.75 | 5.85 |
| HDBANK | 3.85 | 3.95 | 5.1 | 4.7 | 5.5 | 6.1 |
| KIENLONGBANK | 3.7 | 3.7 | 5.2 | 5.3 | 5.6 | 5.7 |
| LPBANK | 3.9 | 4.1 | 5.2 | 5.2 | 5.6 | 5.9 |
| MB | 3.3 | 3.7 | 4.4 | 4.4 | 5.1 | 5 |
| MSB | 3.7 | 3.7 | 4.6 | 4.6 | 5.4 | 5.4 |
| NAM A BANK | 3.8 | 4.1 | 5 | 5.2 | 5.6 | 5.7 |
| NCB | 3.8 | 4.1 | 5.45 | 5.65 | 5.8 | 6.15 |
| OCB | 3.9 | 4.1 | 5.1 | 5.1 | 5.2 | 5.4 |
| OCEANBANK | 4.1 | 4.4 | 5.4 | 5.5 | 5.8 | 6.1 |
| PGBANK | 3.4 | 3.8 | 5 | 5 | 5.5 | 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 | 5.8 | 6 |
| SCB | 1.6 | 1.9 | 2.9 | 2.9 | 3.7 | 3.9 |
| SEABANK | 2.95 | 3.45 | 3.75 | 3.95 | 4.5 | 5.45 |
| SHB | 3.5 | 3.8 | 5 | 5.1 | 5.5 | 5.8 |
| TECHCOMBANK | 3.25 | 3.45 | 4.55 | 4.55 | 4.85 | 4.85 |
| TPBANK | 3.5 | 3.8 | 4.7 | 5.2 | 5.4 | |
| VIB | 3.2 | 3.6 | 4.6 | 4.6 | 5.1 | |
| VIET A BANK | 3.4 | 3.7 | 4.8 | 4.8 | 5.4 | 5.7 |
| VIETBANK | 3.8 | 4 | 5.2 | 5 | 5.6 | 5.9 |
| VPBANK | 3.6 | 3.8 | 5 | 5 | 5.5 | 5.5 |
Source: https://vietnamnet.vn/lai-suat-ngan-hang-hom-nay-10-10-2024-dieu-kien-de-nhan-lai-suat-dac-biet-cao-2330516.html
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