As of now, the online deposit interest rates of the Big 4 banking group, including Agribank, BIDV, VietinBank, and Vietcombank, remain lower compared to private banks.
For the 1-month term, the Big 4’s interest rates range from 1.6% to 2.4% per annum. Agribank and VietinBank offer the highest rate at 2.4% per annum. BIDV provides a 2% per annum rate, while Vietcombank maintains the lowest at 1.6% per annum.
Moving to the 3-month term, rates slightly increase, ranging from 1.9% to 3% per annum. Agribank leads with 3% per annum, followed by VietinBank at 2.8%, BIDV at 2.3%, and Vietcombank at the lowest with 1.9% per annum.
For the 6-month term, a popular choice among depositors, VietinBank leads the Big 4 with a 3.9% per annum rate. Agribank offers 3.7%, BIDV 3.3%, and Vietcombank remains the lowest at 2.9% per annum.
In the 9-month term, rates remain almost unchanged from the 6-month term. VietinBank continues to lead with 3.9% per annum, followed by Agribank at 3.7%, BIDV at 3.3%, and Vietcombank at 2.9% per annum.
For longer terms, Agribank leads with a 4.8% per annum rate for both 12 and 18-month terms. BIDV and VietinBank offer 4.7% per annum, while Vietcombank is slightly lower at 4.6% per annum.
Latest savings interest rates at the Big 4 banks.
To attract deposits, many Big 4 banks have launched promotional programs.
For instance, Vietcombank has introduced a program where, until December 31, 2025, customers depositing a minimum of 30 million VND for 6, 9, 12, or 13-month terms will receive a lottery code. The grand prize is 1 billion VND, with other prizes ranging from 20 to 100 million VND.
Additionally, customers earn VCB Loyalty points based on their deposit amount, redeemable via VCB Digibank for gifts, e-vouchers, and more.
Agribank offers a promotion from November 10, 2025, to March 31, 2026, where individual customers depositing a minimum of 8 million VND (6-month term), 10 million VND (9-month term), or 15 million VND (12-month term) receive a lottery code. Prizes range from 1 to 100 million VND, with a grand prize of 1 billion VND.
VietinBank’s promotion runs from December 3, 2025, to March 31, 2026, offering attractive incentives. New customers opening a savings account and using a payment account receive a cash gift of up to 10 million VND. New deposits of 200 million VND or more for 6-month terms or longer receive a premium account number worth 5 million VND.
For customers with deposits of 9 months or longer, VietinBank offers 10 million VND for an additional 20 billion VND, 5 million VND for 10 billion VND, 3 million VND for 5 billion VND, 1.5 million VND for 3 billion VND, and 1 million VND for 1 billion VND.
Furthermore, deposits made through the VietinBank iPay app earn 20 Loyalty points per 1 million VND, instead of the usual 10 points.
Recently, many banks have increased savings interest rates. In November alone, 21 banks raised rates, with some adjusting rates 2-3 times, while no bank decreased rates.
In early December, six more banks increased deposit rates: Techcombank, MB, NCB, BVBank, VPBank, and Saigonbank. Techcombank adjusted its rates twice in a short period.
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