Bank interest rates today September 30, 2025: Short-term deposits, additional interest rates

The Military Commercial Joint Stock Bank (MB) has just announced a new savings program, in which customers will receive an additional interest rate of up to 0.8%/year when making online savings deposits via the MB Bank application from September 29 to October 14.

The condition to apply the preferential interest rate 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.

In case after application, the preferential interest rate is higher than the ceiling interest rate prescribed by the State Bank, the ceiling interest rate shall be applied.

According to the online deposit interest rate table via MB Bank application, the 2-month deposit interest rate is listed at 3.6%/year, 3-month deposit is 3.8%/year, 6-month and 9-month deposit is 4.4%/year.

If qualified, customers will receive an additional interest rate of 0.8%/year. Thus, the actual deposit interest rate will be 4.4%/year for 2-month term deposits; 4.6%/year for 3-month term deposits and the interest rate for 6-month and 9-month term deposits will be up to 5.2%/year.

According to Decision No. 2411/QD-NHNN dated November 1, 2024 of the Governor of the State Bank, the maximum deposit interest rate in Vietnamese Dong applied to demand deposits and deposits with terms of less than 1 month is 0.5%/year.

The maximum bank interest rate applied to deposits with terms from 1 month to less than 6 months is 4.75%/year.

Thus, with an additional interest rate of 0.8%/year, the 2-3 month savings interest rate at MB is 4.4% and 4.6%/year respectively, lower than the prescribed ceiling interest rate.

Currently on the market, the highest savings interest rates for 2-3 month terms are: 4.5%/year listed by Eximbank for new online deposits opened on Saturday or Sunday; 4.4%/year listed by MBV, 4.35%/year listed by BaoViet Bank and 4.3%/year listed by Bac A Bank .

In addition to giving additional interest rates for terms of 2 - 3 - 6 - 9 months, online savings interest rates for the remaining terms are listed by MB as follows: Savings interest rate for 1-month term is 3.5%/year, 4-5 month term is 3.8%/year; 7-11 month term is 4.4%/year; 12-18 month term is 4.9%/year and 24-36 month term is 5.8%/year.

Not only MB, but recently, instead of officially posting new deposit interest rates, some commercial banks have chosen to give additional interest rates to depositors.

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

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 interest rate of 0.4%/year to depositors aged 80 and over and customers working in the People's Armed Forces.

In September, only 3 domestic commercial banks adjusted their deposit interest rates. Of which:

Vikki Bank increased online deposit interest rates for terms of 1-13 months from 0.1-0.15%/year. Bac A Bank increased mobilization interest rates for terms of 1-11 months from 0.1-0.2%/year.

GPBank has reduced interest rates for all online deposit terms. For over-the-counter deposits, GPBank has reduced interest rates for terms from 4 to 36 months, while increasing interest rates for terms from 1 to 3 months.

INTEREST RATE TABLE FOR ONLINE DEPOSITS OF BANKS ON SEPTEMBER 30, 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
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