National Commercial Bank (NCB) has officially launched the “Online Savings – Earn up to 1.4% Extra Interest” promotion for customers depositing savings online via the NCB iziMobile digital banking app.
Specifically, all individual customers saving online through the NCB iziMobile app with terms of 1 month or more will receive an additional interest rate of up to +1.4% compared to the listed online savings rate.
This offer is valid until December 31, 2025, or until further notice, whichever comes first.
Private customers will enjoy a 1.4%/year bonus on online savings interest rates, regardless of the deposit amount.
Diamond customers receive a 1.35% bonus for deposits under 3 billion VND and 1.4% for deposits of 3 billion VND or more.
Platinum customers get a 1.3% bonus for deposits under 3 billion VND, 1.35% for deposits between 3–5 billion VND, and 1.4% for deposits of 5 billion VND or more.
Other customers receive a minimum bonus of 1.3%/year.
On December 8, NCB also introduced new deposit interest rates for individual customers. For online deposits, the 4–5 month term offers the maximum regulated rate of 4.75%/year. The 6-month term is 6.2%/year, and terms of 12 months or more are 6.3%/year.
Additionally, NCB offers the An Phát Lộc Certificate of Deposit with rates up to 7.1%/year for terms of 24 months or more.
Similarly, Saigon-Hanoi Commercial Bank (SHB) recently increased online savings rates significantly. Customers saving via the SHB SAHA App can earn up to 7.1%/year, 1.2% higher than the listed rate.
Earlier, over 20 banks raised savings rates in November, including Sacombank, VPBank, MB, HDBank, Techcombank, and LPBank. Increases ranged from 0.2–0.5%, focusing on terms under 12 months, with some banks raising rates by 0.6–0.8% for shorter terms.
For 3-month terms, rates are typically 3–4%/year. Some banks, like NamABank, VIB, and MBV, offer the maximum rate of 4.75%/year. Major banks like Vietcombank, BIDV, and Agribank offer only 1.9%/year for counter deposits.
For 6-month terms, rates vary widely. Major banks like Agribank, BIDV, and VietinBank offer under 4%/year, while others like VPBank, VIKKI BANK, VCBNEO, and Bac A Bank offer over 6%.
The highest rates, typically 6–6.5%/year, apply to terms of 12 months or more. Some banks offer 7.5–9%/year, but only for deposits of hundreds of billions of VND.
Bank Deposits Slow Down: Which Banks Are Still Attracting Cash?
Customer deposits across 27 listed banks saw a modest 1.7% increase in Q3/2025, reaching nearly 12.3 quadrillion VND. This growth rate marks a significant slowdown compared to the previous two quarters.
Unlock Your Business Account in 3 Minutes with BIZ MBBank: Go Digital, Skip the Bank Visit
Military Bank (MB) is revolutionizing the corporate banking experience through its end-to-end digital account ownership process. This innovative approach empowers businesses to save valuable time and enjoy a seamless journey from their very first interaction with MB’s banking services.
SGI Capital: A Major Opportunity for Value Investors May Emerge in the Coming Months
According to SGI, in the coming months, hot money flows originating from debt-financed investments during the recent era of cheap credit may retreat under the dual pressures of rising interest rates and tightening liquidity.
Gold Prices Plummet: SJC and Ring Gold Investors Face Potential $170 Loss per Tael in Just One Week
Investing in gold rings last weekend could result in a significant loss of up to 4 million VND per tael if sold today.
Gold Prices Plummet: SJC and Ring Gold Investors Face Potential $170 Loss per Tael in One Week
If you had purchased gold rings last weekend and sold them today, you could have incurred a loss of up to 4 million VND per tael.
