At Wooribank, we are currently offering the attractive Won Challenge interest rate package, with the highest interest rate of up to 11% per year for a 12-month term, 10% for a 12-month term, and 6% per year for a 9-month term. However, this interest rate package sets a condition that customers can only deposit a maximum of 5 million VND and a minimum of 1 million VND per month.
Many customers can still enjoy attractive interest rates with a large amount of money.
In addition, we also have the accumulative savings package with an interest rate of up to 7.5% for a 36-month term. For regular online savings interest rates, the interest rate is only around 5% per year.
At Cake by VPBank, the preferential interest rate is up to 5.5% per year for terms ranging from 13-36 months. Meanwhile, the interest rate for a 6-month term is 5.2% per year.
Techcombank also offers the online Phat Loc deposit interest rate package with the highest interest rate of 5% per year for terms ranging from 12-36 months. For a 6-month term, the interest rate is 4% per year.
At NCB, the bank offers interest rates of 5.15% per year for a 12-month term, 5.25% per year for a 13-month term, and 5.45% per year for a 15-month term. In addition, the bank also has the An Phu savings package, with the highest interest rate of 5.7% per year for deposits ranging from 18 months to 60 months.
For a 24-month term, OCB applies a quite attractive online savings interest rate of up to 5.8% per year.
At SHB, customers who deposit online savings with a minimum term of 6 months will receive an additional interest rate of up to 0.3% per year compared to the interest rate at the counter.
On the other hand, some banks offer high deposit interest rates for customers, such as PVcomBank, which applies an interest rate of up to 10% per year for public deposits with end-of-term interest payout, for a 12-13 month term and a minimum deposit amount of 2,000 billion VND.
At MSB, the highest savings interest rate is 8.5% per year. This interest rate is applied for terms of 12-13 months with a limit starting from 500 billion VND for accounts automatically extended from 1/1/2018.
With the highest savings interest rate, customers who deposit savings at HDBank can receive an interest rate of 8.2% per year for a 13-month term. However, to enjoy this interest rate, the minimum deposit amount is 300 billion VND. For a 12-month term, the highest savings interest rate is 7.8% per year with the same deposit amount.
Customers will receive an interest rate of 7.5% per year when depositing savings with a limit starting from 200 billion VND at DongABank, for a 13-month term.
At BaoVietBank, customers can enjoy the highest savings interest rate of up to 6.2% per year for a 60-month term. Meanwhile, at Sacombank, the highest traditional savings interest rate is 6% per year for a 36-month term. SCB attracts deposits over 500 billion VND with an interest rate of 6.8% per year for a 13-month term. The highest savings interest rate of MBBank is currently recorded at 6.1% per year for terms of 36-60 months (for the Central and Southern regions).
The highest savings interest rates offered by other banks include PGBank (5.2% per year; 24-36 months), NCB (5.6% per year), GPBank (4.85% per year), ABBank (4.7% per year; 6-month term), OCB (6% per year).
For state-owned banks, the highest savings interest rate is currently maintained at 4.7% per year, which is the lowest in the market. On the other hand, for deposits at Agribank, the highest interest rate that can be received is 4.9% per year for a 24-month term. Meanwhile, VietinBank and BIDV offer slightly higher savings interest rates of 5% per year.
According to economic experts, in 2024, depositing savings at banks is still a sustainable investment channel despite the less attractive interest rates compared to the beginning of last year. Especially at this difficult economic period, when businesses are not yet recovered and stable, and no investment option is safe enough, savings remain the top choice.
