Bank interest rates today September 25, 2025: Who is the 9%/year interest rate for?

As one of the banks listing “special interest rates” for super VIP customers, Vietnam Public Commercial Joint Stock Bank (PVCombank) announced the highest mobilization interest rate of up to 9%/year, applied to customers depositing savings for 12 and 13 months, receiving interest at the end of the term.

However, the condition to enjoy this super preferential interest rate is that the deposit must be at the counter, the newly opened deposit balance must be from 2,000 billion VND or more. This is the most difficult condition to meet among the banks that maintain the special interest rate policy at present.

Meanwhile, the condition to enjoy the special interest rate of 6%/year atACB is only to have a deposit balance of 200 billion VND, at Nam A Bank it is 500 billion VND.

At HDBank , the condition to receive the highest deposit interest rate of 8.1%/year is a deposit balance of 500 billion VND; at Vikki Bank, it is 999 billion VND to receive the highest deposit interest rate of 7.5%/year...

In addition to the highest savings interest rate of 9%/year, PVCombank currently lists the highest over-the-counter bank interest rate at 5.3%/year, applied to term deposits from 15-36 months.

The bank interest rate at the counter for 1-month term is 3%/year, 2-month term is 3.1%/year, 3-month term is 3.3%/year, 4-month term is 3.4%/year, 5-month term is 3.5%/year, 6-month term is 4.2%/year, 7-11-month term is 4.4%/year, 12-month term is 4.8%/year, 13-month term is 5.3%/year and 15-36-month term is 5.3%/year.

In addition, PVCombank also has a policy of adding interest rates for priority customers, with an additional interest rate of 0.05% - 0.15%/year for term deposits from 1 to less than 15 months; and an additional interest rate of 0.1-0.5%/year for terms of 15 months or more.

Thus, the highest savings interest rate (excluding the special interest rate of 9%/year) when depositing savings at PVCombank counters can be up to 5.8%/year for priority customers.

Compared to the interest rate at the counter, PVCombank stipulates that the online interest rate is 0.3% higher per year for terms from 1-13 months and up to 0.5% higher per year for term deposits from 15-36 months.

Accordingly, online mobilization interest rates for different terms are regulated by PVCombank as follows:

1-month term is 3.3%/year, 2-month term is 3.4%/year, 3-month term is 3.6%/year, 4-month term is 3.7%/year, 5-month term is 3.8%/year, 6-month term is 4.5%/year, 7-11-month term is 4.7%/year, 12-month term is 5.1%/year, 13-month term is 5.3%/year and the highest is 5.8%/year for terms from 15-36 months.

Since the beginning of September, only two domestic commercial banks have adjusted their deposit interest rates. Of which, Vikki Bank increased its online deposit interest rate for terms of 1-13 months by 0.1-0.15% per year.

GPBank adjusts deposit interest rates with a reduction in interest rates for all online deposit terms. For over-the-counter deposits, GPBank reduces interest rates for terms from 4-36 months and increases for terms from 1-3 months.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON SEPTEMBER 25, 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	3.8	4.1	5.25	5.35	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	5.25	5.35	5.55	5.55
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