No bank changed its deposit interest rate schedule on February 5. To date, Techcombank is still the only bank that has adjusted its deposit interest rate since the Lunar New Year, reducing the deposit interest rate by 0.2% per year for terms of 1-5 months, followed by an increase of 0.2% per year for terms of 1-11 months.

There are currently 15 banks listing interest rates of 6% per year or higher. The bank listing the highest interest rate is Eximbank, offering up to 6.8% per year for 24-36 month term deposits for customers making online savings deposits.

Eximbank also listed 15- and 18-month deposit interest rates at 6.4% and 6.7% per year, respectively.

Bank interest rates at BVBank are also up to 6.45%/year when customers deposit savings online for a term of 24-36 months.

In addition, BVBank also listed interest rates of 6.05%/year for 12-month term deposits and 6.25%/year for 12-18 month term deposits.

At KienlongBank, the highest interest rate is up to 6.4%/year for customers making online savings deposits for a term of 60 months. The interest rate for a term of 36 months is also listed by KienlongBank at 6.3%/year; the deposit terms of 12-24 months are listed by this bank at 6.1%/year.

Indovina Bank (IVB) is also among the banks that announced attractive savings interest rates, up to 6.2%/year for deposits of 24 months or more. Saving interest rates for 13 and 18 months are listed by IVB at 6.05%/year.

GPBank also competes in interest rates by announcing an interest rate of 6.05%/year for online deposits with a term of 12 months and 6.15%/year for terms from 13-36 months.

At Bac A Bank , the bank interest rate for terms from 18-36 months is listed at 6.1%/year. This interest rate is also listed by MBV and Dong A Bank for the same term.

Saigonbank andSHB listed interest rates at 6.1% per year for 36-month terms. In addition, Saigonbank also listed interest rates at 6% per year for 13-24-month term deposits.

The mobilization interest rate of 6%/year is listed by BaoViet Bank for term deposits from 15-36 months and listed by VCBNeo for term deposits from 12 months or more.

Viet A Bank and HDBank also listed interest rates of 6%/year for terms of 36 months and 15 months respectively. In addition, HDBank listed interest rates of 6.1%/year for 18-month term deposits.

In addition to the above interest rates, the actual interest rate may be higher depending on the interest rate policy of each bank. Accordingly, customers who deposit large amounts of money may receive additional interest. Some banks are also paying higher actual interest rates than the listed interest rates.

Before Lunar New Year, a transaction office of Saigon Hanoi Commercial Joint Stock Bank (SHB) has just announced the highest mobilization interest rate of up to 6.9%/year, a sharp increase compared to the 6.1%/year that SHB listed for 36-month online deposits.

At a transaction point of LPBank in Hanoi, the announced mobilization interest rate is up to 6.5%/year, while the highest mobilization interest rate for deposits at the counter is 5.5%/year and for online deposits at LPBank is 5.8%/year, with a term of 18-36 months.

In addition, according to a survey by VietNamNet, many bank transaction offices are displaying signs inviting customers to deposit money with interest rates higher than the highest interest rate in the interest rate table announced by the bank.

We can mention Global Petroleum Bank (GPBank) when inviting customers to deposit money with interest rates up to 6.35%/year, while the highest deposit interest rate according to the interest rate schedule announced by the bank is 6.15%/year, applied to online deposits with terms of 13-36 months.

Southeast Asia Commercial Bank (SeABank) also displayed signs inviting deposits with interest rates up to 5.95%/year. Meanwhile, the highest savings interest rate according to the interest rate schedule announced by SeABank is 5.45%/year, for a term of 18-36 months.

Vietnam Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCBNeo) is also displaying signs at its transaction offices with an inviting interest rate of 6.05%/year, 0.05%/year higher than the highest deposit interest rate officially listed by VCBNeo for a term of 12-36 months.

In front of the transaction office of Bac A Bank, there is also a sign inviting deposits with interest rates up to 6.4%/year. Meanwhile, the highest interest rate for deposits under 1 billion VND is 6.1%/year (18-36 month term) and the highest interest rate for deposits from 1 billion VND is 6.2%/year (18-36 month term).

At Vietnam Public Bank (PVCombank), the highest deposit interest rate according to the online deposit interest rate table is listed at 5.8%/year (18-36 month term). However, this bank is also displaying signs inviting deposits with interest rates up to 6%/year.

INTEREST RATE TABLE FOR ONLINE DEPOSITS AT BANKS ON FEBRUARY 5, 2025 (%/YEAR)
BANK 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS 36 MONTHS
EXIMBANK 4.3 5.3 4.5 5.5 6.7 6.8
BVBANK 4.15 5.45 5.75 6.05 6.35 6.45
KIENLONGBANK 4.3 5.8 5.8 6.1 6.1 6.3
IVB 4.35 5.35 5.35 5.95 6.05 6.2
GPBANK 4.02 5.35 5.7 6.05 6.15 6.15
BAC A BANK 4.05 5.2 5.3 5.7 6.1 6.1
DONGA BANK 4.3 5.55 5.7 5.8 6.1 6.1
MBV 4.6 5.5 5.6 5.8 6.1 6.1
SAIGONBANK 3.6 4.8 4.9 5.8 6 6
SHB 3.8 5 5.1 5.5 5.8 6.1
BAOVIETBANK 4.35 5.45 5.5 5.8 6 6
VCBNEO 4.35 5.85 5.8 6 6 6
VIET A BANK 4 5.2 5.4 5.7 5.9 6
MB 4 4.6 4.6 5.1 5.1 5.9
NAM A BANK 4.5 5 5.2 5.6 5.7 5.9
OCB 4.2 5.2 5.2 5.3 5.5 5.9
PGBANK 3.8 5 5 5.5 5.8 5.9
VIETBANK 4.4 5.4 5 5.8 5.9 5.9
LPBANK 3.9 5.1 5.1 5.5 5.8 5.8
MSB 4.1 5 5 5.8 5.8 5.8
PVCOMBANK 3.6 4.5 4.7 5.1 5.8 5.8
TPBANK 4 4.8 5.3 5.5 5.8
NCB 4.3 5.45 5.55 5.7 5.7 5.7
SACOMBANK 3.6 4.9 4.9 5.4 5.6 5.7
VPBANK 4 5 5 5.5 5.5 5.6
ABBANK 4 5.5 5.6 5.8 5.6 5.5
HDBANK 3.95 5.3 4.7 5.6 6.1 5.5
SEABANK 3.45 3.95 4.15 4.7 5.45 5.45
VIB 3.9 4.9 4.9 5.3 5.4
VIETINBANK 2.3 3.3 3.3 4.7 4.7 5
BIDV 2.3 3.3 3.3 4.7 4.7 4.9
TECHCOMBANK 3.65 4.65 4.65 4.85 4.85 4.85
AGRIBANK 3 3.7 3.7 4.7 4.7 4.8
VIETCOMBANK 1.9 2.9 2.9 4.6 4.6 4.7
SCB 1.9 2.9 2.9 3.7 3.9 3.9
ACB 3.5 4.2 4.3 4.9   
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