VI EN DATA AS OF 25 Sep MARKET 08 Oct
5 recent rate changes →
  1. VPBank+0.25 pts 7mo · 22 Sep
  2. Nam A Bank-0.40 pts 13mo · 21 Sep
  3. VCBNeo-0.10 pts 1mo · 21 Sep
  4. OCB+0.70 pts 6mo · 20 Sep
  5. TPBank+0.55 pts 1mo · 20 Sep
  6. MEDIAN 12mo 6.25% 31 banks
  7. CURVE PEAK 12mo market layer

Today's market rates

Lowest · Big 4

8.00%/yr

Agribank, VietinBank

24 ngân hàng trong dải · thanh dưới mỗi thẻ đo trên đúng thước này

Highest

10.40%/yr

PVcomBank

Today's highest deposit rates

Each card shows the higher of that bank's 6- and 12-month rates.

  1. #1deposit

    PVcomBank

    10.40%/yr12-month term

    104,000,000VND interest on 1 billion

    Multi-source survey · 07 Oct

  2. #2deposit

    KienlongBank

    10.20%/yr12-month term

    102,000,000VND interest on 1 billion

    Rate poster image · 06 Oct

  3. #3deposit

    MSB

    10.10%/yr12-month term

    101,000,000VND interest on 1 billion

    Multi-source survey · 03 Oct

  4. #4deposit

    NCB

    10.00%/yr6-month term

    50,000,000VND interest on 1 billion

    Market survey · 05 Oct

  5. #5deposit

    GPBank

    9.90%/yr12-month term

    99,000,000VND interest on 1 billion

    Multi-source survey · 07 Oct

  6. #6deposit

    LPBank

    9.90%/yr12-month term

    99,000,000VND interest on 1 billion

    Multi-source survey · 04 Oct

  7. #7deposit

    MBV

    9.87%/yr12-month term

    98,700,000VND interest on 1 billion

    Multi-source survey · 04 Oct

  8. #8deposit

    Sacombank

    9.80%/yr6-month term

    49,000,000VND interest on 1 billion

    Market survey · 06 Oct

  9. #9deposit

    HDBank

    9.60%/yr6-month term

    48,000,000VND interest on 1 billion

    Multi-source survey · 07 Oct

  10. #10deposit

    MB

    9.60%/yr6-month term

    48,000,000VND interest on 1 billion

    Multi-source survey · 03 Oct

Xem bảng đầy đủ tất cả ngân hàng →

Lowest

8.50%/yr

MB

9 ngân hàng có mức xác nhận · thanh dưới mỗi thẻ đo trên đúng thước này

Cao nhất trong dải

10.50%/yr

Sacombank

Lãi vay có người xác nhận

Mức chủ dự án hỏi thẳng chi nhánh. Chip cạnh con số cho biết ưu đãi được cố định bao lâu.

  1. #1loan

    MB

    8.50%/yr3 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 18 Sep

  2. #2loan

    Vietcombank

    8.50%/yr6 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 25 Sep

  3. #3loan

    VietinBank

    8.50%/yr6 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 25 Sep

  4. #4loan

    BIDV

    8.70%/yr6 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 25 Sep

  5. #5loan

    Agribank

    8.80%/yr6 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 25 Sep

  6. #6loan

    ACB

    9.50%/yr3 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 18 Sep

  7. #7loan

    VIB

    9.50%/yrcố định 6th

    Vay mua, xây, sửa nhà đất

    Khảo sát trực tiếp ngân hàng · 18 Sep

  8. #8loan

    SeABank

    10.00%/yr3 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 18 Sep

  9. #9loan

    Sacombank

    10.50%/yr3 tháng

    Vay kinh doanh, vốn lưu động

    Khảo sát trực tiếp ngân hàng · 18 Sep

Full loan table with base rates and a date on every figure →

Published sheet versus market, term by term

The widest gap is at 60 months: the market pays more than the sheet by 3.66 pts. Median of each layer, 15 terms have both.

Market rate Published sheet vertical axis 4.55–9.6 %/yr · truncated, does not start at 0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 30 48 60

The shaded band is the gap between the two layers — drawn only where both layers have data. The horizontal axis is ordered by term (months), not scaled to time.

See the full comparison table, 39 banks →

Interest calculator

Enter an amount and a term — every rate turned into the dong you actually receive.

Calculator · rates turned into dong received

Interest = amount × annual rate × months ÷ 12

Computed on today's data edition, using each bank's own rate — not an illustrative rate.

Open the interest calculator →

Latest analysis

Analysis · 25 Sep 2026

The published curve dies at 12 months: a longer term no longer pays more

The published median peaks at 6.25%/yr on the 12-month term and then flattens — the 24→36 month stretch moves just 0.00 pts. For a depositor, any term beyond that point is a decision about liquidity, not about yield.

Read the analysis →
6.25%/yr12-month median · middle half of the market 5.90–6.80% · 31 banks with a figure
1.60ptsState-controlled peak against private peak · VND 16 million per VND 1 billion at 12 months

Rates by bank — 39 banks

Deposit and lending rates for each bank, every figure with its source and read time.

Sources and methodology 3128/3128 rows open their source · Data edition 25 Sep 2026
Scope
VND savings deposits, individual customers
Institutions
39 commercial banks — 32 official published sources + 7 press sources
Term
6 terms on the table, 1–13 months; the archive holds 33 more terms
Selection rule
The highest rate each bank publishes for each term, across every VND deposit product for individual customers
Updated
19:26 on 08 Oct 2026 (Vietnam time)

Read in full how we collect these numbers →

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