State-owned commercial banks have maintained their savings deposit interest rates at the counter for August 2025, keeping them unchanged from the beginning of July 2025.
At Vietcombank, online savings interest rates range from 1.6% to 4.7% per annum, the lowest among the “Big 4” state-owned commercial banks. Specifically, the 1-month term earns an interest rate of 1.6% per annum; the 3-month term is 1.9%, and the 6–9-month term enjoys a rate of 2.9%. For deposits of 12 months and above, the interest rate increases to 4.6% per annum, peaking at 4.7% for the 24–36-month term.
Agribank offers a maximum online interest rate of 4.9% per annum for deposits of 24 months and longer. For shorter terms, the bank applies interest rates of 2.4% per annum for 1–2-month deposits, 3% for 3–5-month deposits, and 3.7% for 6–11-month deposits. The 12 to 18-month deposits earn an interest rate of 4.8%. Non-term and payment account deposits attract a much lower rate of 0.2% per annum.
VietinBank’s online savings interest rates range from 1.6% to 4.8% per annum. Non-term and less-than-1-month deposits earn interest rates of 0.1% and 0.2% per annum, respectively. For terms of 1 to less than 3 months, customers earn 1.6% per annum; from 3 to less than 6 months, the rate is 1.9%. The 6 to less than 12-month term offers a 3% interest rate, while the 12 to less than 24-month term earns 4.7%. The highest rate of 4.8% is applicable for terms of 24 months and above.
BIDV offers individual customers online savings interest rates ranging from 2% to 4.9% per annum. Specifically, deposits with a term of 1–2 months earn an interest rate of 2% per annum; 2.3% for 3–5 months; and 3.3% for 6–11 months. The 12 to 18-month deposits are listed at 4.7%, while the highest rate of 4.9% is offered for the 24–36-month term.
Consolidated savings interest rates of the 4 “Big 4” state-owned commercial banks at different terms.
A survey of the market shows that state-owned banks are maintaining low-interest rates. In contrast, some private commercial banks offer rates as high as 6-6.1% per annum, but only for long-term deposits. For example, currently, only two banks offer interest rates of 6% per annum or higher for 18-month terms: Vikki Bank at 6% and HDBank at 6.1%.
For the 12-month term, no bank offers an interest rate of 6% or higher. Some banks with the highest interest rates for this term include Cake by VPBank, GPBank, and Vikki Bank. Cake by VPBank offers a maximum of 6% per annum if customers choose to receive interest at the end of the term; if they opt for monthly, quarterly, or early interest payments, the rates are 5.53%, 5.73%, and 5.76%, respectively. GPBank lists an interest rate of 5.95% per annum for 12-month electronic deposits, with the highest rate of 5.95% for 13–36-month terms. Vikki Bank currently applies a rate of 5.95% for the 12-month term and offers a maximum of 6% for online deposits with interest paid at maturity.
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