Bank interest rates today October 20, 2025: 6% or higher is no longer a 'rare commodity'

According to statistics, banks that are listing interest rates of 6%/year or higher are Bac A Bank , HDBank, Vikki Bank... and some banks are listing special interest rates with the highest interest rate of up to nearly 10%/year.

Specifically, Bac A Bank listed a 6%/year interest rate for deposits of 1 billion VND or more, applied for terms of 18-36 months.

HDBank listed a deposit interest rate of 6%/year for 18-month savings at the counter and 15-month online savings.

The highest savings interest rate according to the regular online savings interest rate table at HDBank is 6.1%/year, 18-month term.

Notably, Vikki Bank (a bank in the HDBank ecosystem) listed an online savings interest rate of 6%/year for term deposits from 6-11 months.

The highest savings interest rate currently available to the majority of customers is 6.2%/year, also listed by Vikki Bank for online deposits with a term of 12 months.

In addition, some banks list special interest rates for VIP customers depositing hundreds of billions of VND or more.

In particular, ABBank listed the highest bank interest rate of up to 9.65%/year for 3-month term deposits. The condition is that customers must deposit an amount of VND 1,500 billion or more.

PVCombank also listed a special interest rate of up to 9%/year, 4-4.2%/year higher than the normal bank interest rate for the same term. The condition to enjoy the special interest rate offered by PVCombank is that customers deposit savings at the counter for a term of 12 or 13 months, with a deposit amount of up to VND2,000 billion. This is also the bank that sets the most difficult conditions to meet at present.

At HDBank, the special interest rates applied to 12- and 13-month deposits at the counter are 7.7% and 8.1% respectively, 2.2%-2.4% higher than the bank interest rates for the same term for regular customers. To enjoy the above deposit interest rates, the condition is that customers need to deposit a minimum balance of VND 500 billion.

At Vikki Bank, the special interest rate listed for a 13-month term is 7.8%/year. To enjoy this interest rate, customers must deposit an amount of VND999 billion or more.

AtACB , the normal interest rate for 13-month term deposits is only 4.5%/year, but if customers deposit 200 billion VND or more, the special interest rate they receive is 6%/year.

According to statistics, 6 banks have increased deposit interest rates since the beginning of October, including: GPBank, NCB, Vikki Bank, Bac A Bank, VCBNeo and HDBank.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON NOVEMBER 20, 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	4.2	4.55	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
GPBANK	3.8	3.9	5.35	5.45	5.65	5.65
HDBANK	4.05	4.15	5.3	5.3	5.6	6.1
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	4.1	4.3	5.45	5.55	5.7	5.7
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	5.9	5.45	5.8	5.8
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
VIKKI BANK	4.35	4.45	6	6	6.2	6.2
VIETBANK	4.1	4.4	5.4	5.4	5.8	5.9
VPBANK	4	4.1	5	5	5.2	5.2