HDBank Offers Competitive Deposit Interest Rates for Over-the-Counter Customers in August 2025
At the beginning of August 2025, HDBank, the Ho Chi Minh City Development Joint Stock Commercial Bank, introduced a range of competitive interest rates for over-the-counter deposits. Rates vary from 0.5% to 8.1% per annum, with a notable increase of 0.6% for terms of 7 to 11 months compared to the rates surveyed at the start of June.
For deposits under 1 month, HDBank offers an interest rate of 0.5% per annum. The rate increases to 3.35% per annum for terms of 1 to 2 months and 3.45% per annum for terms of 3 to 5 months. Deposits locked in for 6 months enjoy an interest rate of 5.2% per annum, while those with a term of 7 to 11 months earn an attractive 5.2% per annum.
For the 12-month term, HDBank offers a preferential rate of 7.7% per annum for deposits of 500 billion VND and above, while deposits below this threshold earn an interest rate of 5.5% per annum.
The 13-month term continues to offer competitive rates, with deposits of 500 billion VND and above earning 8.1% per annum, and those below 500 billion VND earning 5.7% per annum.
For longer-term deposits, the 15 and 18-month terms offer interest rates of 5.9% per annum and 6.0% per annum, respectively. HDBank also provides attractive rates of 5.4% per annum for terms ranging from 24 to 36 months.
In addition to the standard end-of-term interest payment, HDBank offers a variety of interest payment options with competitive rates: Advance interest payment: 3.25% – 5.4% per annum; Monthly interest payment: 3.35% – 5.7% per annum; Quarterly interest payment: 4.5% – 5.7% per annum; Semi-annual interest payment: 5.1% – 5.8% per annum; Annual interest payment: 5.2% – 5.3% per annum.
HDBank’s Over-the-Counter Deposit Interest Rates as of August 2, 2025
Source: HDBank
HDBank’s Online Savings Interest Rates for August 2025
HDBank continues to offer competitive online savings interest rates for August 2025, with rates ranging from 0.5% to 6.1% per annum. Similar to the over-the-counter rates, the online rates for terms of 7 to 11 months have also been adjusted upward by 0.6% compared to the rates surveyed at the beginning of June.
Specifically, for terms under 1 month, HDBank offers an interest rate of 0.5% per annum. The rate increases to 3.85% per annum for terms of 1 to 2 months ; 3.95% per annum for terms of 3 to 5 months ; and 5.3% per annum for terms of 6 months. Deposits locked in for 7 to 11 months earn an interest rate of 5.3% per annum, while the 12-month term offers a rate of 5.6% per annum. The 13-month term has an interest rate of 5.8% per annum, followed by the 15-month term at 6.0% per annum and the 18-month term at 6.1% per annum. The 24 and 36-month terms offer the same attractive rate of 5.5% per annum .
With a maximum interest rate of 6.1% per annum for the 18-month term, HDBank remains one of the leading banks in Vietnam in terms of deposit interest rates.
HDBank’s Online Deposit Interest Rates as of August 2, 2025
Source: HDBank
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