In June, Vietnam Prosperity Joint Stock Commercial Bank (VPBank) offers a range of interest rates on savings accounts for individual customers, ranging from 0.4%/year to 5.5%/year, depending on the term and deposit amount.
VPBank categorizes interest rates into five tiers based on different deposit amounts: below VND 1 billion, from VND 1 billion to below VND 3 billion, from VND 3 billion to below VND 10 billion, from VND 10 billion to below VND 50 billion, and VND 50 billion and above. Online channels offer a slight advantage with higher interest rates ranging from 0.1%/year to 0.2%/year compared to over-the-counter rates, especially for longer-term deposits.
For deposits below VND 1 billion, over-the-counter interest rates start at 3.6%/year for terms of 1, 2, and 3 months, increasing to 4.5%/year for 6 and 7 months, 4.6%/year for 8 months, 4.7%/year for 9 months, 4.8%/year for 10 months, 4.9%/year for 11 months, and reaching 5.0%/year for 12, 13, 15, and 18 months, before peaking at 5.1%/year for 24 and 36 months.
Online deposits offer slightly higher rates, with 3.7%/year for a 1-month term, 3.8%/year for 2 and 3 months, 4.0%/year for 4 months, 4.1%/year for 5 months, 4.7%/year for 6 and 7 months, 4.8%/year for 8 months, 4.9%/year for 9 months, 5.0%/year for 10 months, 5.1%/year for 11 months, 5.2%/year for 12, 13, 15, and 18 months, and peaking at 5.3%/year for 24 and 36 months.
For deposits ranging from VND 1 billion to below VND 3 billion, over-the-counter interest rates are similar to those below VND 1 billion, starting at 0.4%/year for terms of 1-3 weeks, 3.6%/year for 1, 2, and 3 months, 4.5%/year for 6 and 7 months, 5.0%/year for 12 months, and reaching 5.1%/year for 24 and 36 months.
Online channels offer slightly higher rates of 3.7%/year for 1 month, 3.8%/year for 2 and 3 months, 4.7%/year for 6 and 7 months, 5.2%/year for 12 months, and 5.3%/year for 24 and 36 months.
For deposits ranging from VND 3 billion to below VND 10 billion, over-the-counter interest rates start at 0.4%/year for terms of 1-3 weeks, 3.6%/year for 1, 2, and 3 months, increasing to 4.5%/year for 6 and 7 months, 4.6%/year for 8 months, 4.7%/year for 9 months, 4.8%/year for 10 months, 4.9%/year for 11 months, 5.0%/year for 12 months, and peaking at 5.2%/year for 24 and 36 months.
Online channels offer competitive rates, starting at 0.4%/year for 1-3 weeks, 3.7%/year for 1 month, 3.8%/year for 2 and 3 months, 4.7%/year for 6 and 7 months, 4.8%/year for 8 months, 4.9%/year for 9 months, 5.0%/year for 10 months, 5.1%/year for 11 months, 5.2%/year for 12 months, and reaching 5.4%/year for 24 and 36 months.
VPBank’s June 2025 Interest Rates for Counter and Online Deposits
For deposits ranging from VND 10 billion to below VND 50 billion, over-the-counter interest rates start at 3.7%/year for terms of 1-3 weeks, 3.7%/year for 1, 2, and 3 months, increasing to 4.6%/year for 6 and 7 months, 4.7%/year for 8 months, 4.8%/year for 9 months, 4.9%/year for 10 months, 5.0%/year for 11 months, 5.1%/year for 12 months, and peaking at 5.3%/year for 24 and 36 months.
Online channels offer slightly higher rates of 3.8%/year for 1-3 weeks and 1, 2, and 3 months, 4.8%/year for 6 and 7 months, 4.9%/year for 8 months, 5.0%/year for 9 months, 5.1%/year for 10 months, 5.2%/year for 11 months, 5.3%/year for 12 months, and 5.5%/year for 24 and 36 months.
For deposits of VND 50 billion and above, over-the-counter interest rates start at 3.8%/year for terms of 1-3 weeks, 3.8%/year for 1, 2, and 3 months, increasing to 4.7%/year for 6 and 7 months, 4.8%/year for 8 months, 4.9%/year for 9 months, 5.0%/year for 10 months, 5.1%/year for 11 and 12 months, and peaking at 5.3%/year for 24 and 36 months.
Online channels offer competitive rates, starting at 3.9%/year for 1-3 weeks, 3.9%/year for 1 month, 4.0%/year for 2 and 3 months, 4.9%/year for 6 and 7 months, 5.0%/year for 8 months, 5.1%/year for 9 and 10 months, 5.2%/year for 11 months, 5.3%/year for 12 months, and reaching the highest rate of 5.5%/year for 24 and 36 months.
Thus, in June 2025, the best interest rates are offered for terms of 24 and 36 months with deposits of VND 50 billion and above through online channels, reaching 5.5%/year, or 5.6%/year for customers eligible for preferential rates.
Customers are advised to utilize online channels to optimize their returns. VPBank’s online channels currently offer interest rates that are 0.2%/year higher than over-the-counter rates for terms of 12 months and above.
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