Data edition 08 Oct 2026

3-month savings rates

33 banks have a rate at this term · interest paid at maturity

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Highest market rate · 3 months · TP.HCM · recorded 05 Oct

VietBank

4.80%/yr +0.05 pts

11,875,000–12,000,000 VND in interest at maturity

if the bank applies this rate to your VND 1 billion deposit

Deposit tier: not stated
Region: TP.HCM
Source: Bank salesperson · sources: 1 · read 05 Oct · 14:28

The bank does not publish this rate on its official site — this is a market rate, not a published rate.

Lãi suất tiết kiệm 3 tháng cao nhất hôm nay là 4.75%/năm, do NCB niêm yết. Trên thị trường, mức được chào cao nhất là 4.80%/năm tại VietBank, ghi nhận 05 Oct. Trung vị 31 ngân hàng là 4.65%/năm — gửi 1 tỷ đồng 3 tháng nhận khoảng 11,625,000 đ tiền lãi.

Highest-to-lowest spread: 2.5pts VND 6.2 million on every VND 1 billion held for a 3-month termmedian 4.65%/yr · 31 banks

How rates have moved

Survey rates

Vertical axis 3.1–4.8 %/yr (truncated, does not start at 0). Hollow dots mark low-coverage days — fewer than 70% of the banks recorded, measured against the widest day.

07 Aug 2026 → 07 Oct 2026 3.1–4.8 %/yr

Published rates

Vertical axis 2.25–4.75 %/yr (truncated, does not start at 0). Hollow dots mark low-coverage days — fewer than 70% of the banks recorded, measured against the widest day.

05 Aug 2026 → 24 Sep 2026 2.25–4.75 %/yr

The bold line is each day's median; the pale band is that day's range from lowest to highest. The two charts carry their own scales — read each against its own axis and do not compare heights across them.

See the full history and download the data →

01 3-month term

Term shown 1 months 3 months 6 months 9 months 12 months 13 months

Unit: %/yr
Product: VND deposits · individuals
Interest paid: At maturity
Order: Rate high → low
Empty cell: We have not read their table, or this term is not offered

Deposit rates at the 3-month term across 8 banks — market rate, published rate and press rate. Column headings with a button can be sorted.
#		market rate	Applies toamount, conditions	the bank's own site
1	VietBank Joint-stock	4.80plus 1 more — see all	no amount stated	4.60 static.vietbank.com.vn · 21 Sep · 00:51
Three source layers Survey 4.80%/yr · Bank salesperson · TP.HCM · sources: 1 · read 05 Oct · 14:28 Published 4.60%/yr · static.vietbank.com.vn · read 21 Sep · 00:51 Press sources not in the press rate table Rates by deposit tier 4.75–4.80% no amount stated · TP.HCM · sources: 1 · 05 Oct · 14:28 4.75% no amount stated · sources: 1 · 05 Oct · 18:19 Conditions and caveats KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the PDF, source line: 3 tháng 4.60% - See every term for VietBank →
2	NCB Joint-stock	4.75	VND 1–5 million	4.75 ncb-bank.vn · 19 Aug · 19:12
Three source layers Survey 4.75%/yr · Rate poster image · sources: 1 · read 07 Oct · 22:28 Published 4.75%/yr · ncb-bank.vn · read 19 Aug · 19:12 Press sources not in the press rate table Conditions and caveats TIẾT KIỆM AN PHÚ · read from the PDF, source line: 03 tháng 4.75 4.73 See every term for NCB →
3	Sacombank Joint-stock	4.75	no amount stated	4.75 sacombank.com.vn · 21 Sep · 00:50
Three source layers Survey 4.75%/yr · Bank salesperson · TP.HCM · sources: 1 · read 06 Oct · 16:50 Published 4.75%/yr · sacombank.com.vn · read 21 Sep · 00:50 Press sources not in the press rate table Conditions and caveats at maturity · read from the PDF, source line: 3 tháng 4.50% 4.48% 4.60% 4.58% 4.75% 4.73% See every term for Sacombank →
4	SHB Joint-stock	4.75plus 4 more — see all	no amount stated	4.65 shb.com.vn · 21 Aug · 22:06
Three source layers Survey 4.75%/yr · Bank salesperson · Hà Nội · sources: 1 · read 07 Oct · 10:08 Published 4.65%/yr · shb.com.vn · read 21 Aug · 22:06 Press sources not in the press rate table Rates by deposit tier 4.75% no amount stated · TP.HCM · sources: 1 · 01 Oct · 09:23 4.75% from VND 300 million · Hà Nội · sources: 1 · 02 Oct · 16:12 4.75% no amount stated · Hà Nội · sources: 1 · 07 Oct · 10:08 4.75% from VND 300 million · sources: 1 · 07 Oct · 19:46 4.70% no amount stated · sources: 1 · 04 Oct · 21:26 Conditions and caveats Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read from a wide table in the PDF, source line: Cuối kỳ 4.60 4.60 4.65 4.65 4.65 6.20 6.20 6.20 6.40 6.40 6.40 6.50 6.50 6.60 6.60 6.70 6.70 See every term for SHB →
5	VPBank Joint-stock	4.75	no amount stated	4.65 vpbank.com.vn · 22 Sep · 23:36
Three source layers Survey 4.75%/yr · Market survey · sources: 1 · read 05 Oct · 14:14 Published 4.65%/yr · vpbank.com.vn · read 22 Sep · 23:36 Press sources not in the press rate table Conditions and caveats read from the PDF by vision; two passes agreed See every term for VPBank →
6	TPBank Joint-stock	4.75plus 1 more — see all	no amount stated	4.20 tpb.vn · 21 Sep · 00:50
Three source layers Survey 4.75%/yr · Market survey · Hà Nội · sources: 1 · read 07 Oct · 18:13 Published 4.20%/yr · tpb.vn · read 21 Sep · 00:50 Press sources not in the press rate table Rates by deposit tier 4.75% no amount stated · sources: 1 · 02 Oct · 16:12 4.75% no amount stated · Hà Nội · sources: 1 · 07 Oct · 18:13 Conditions and caveats tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ tháng quý 6th/lần · read from the PDF, source line: 3 tháng 3.95 3.96 4.20 4.20 4.20 3.95 3.96 See every term for TPBank →
7	PVcomBank Joint-stock	4.75	no amount stated	2.65 pvcombank.com.vn · 06 Sep · 02:02
Three source layers Survey 4.75%/yr · Market survey · sources: 1 · read 08 Oct · 18:08 Published 2.65%/yr · pvcombank.com.vn · read 06 Sep · 02:02 Press sources not in the press rate table Conditions and caveats [GD Tại quầy] Tiền gửi tiết kiệm VND See every term for PVcomBank →
8	GPBank Recent compulsory transfer	4.75rate sheet not read yetplus 8 more — see all	VND 100 million–10 billion	—
Three source layers Survey 4.75%/yr · Market survey · Hà Nội · sources: 1 · read 08 Oct · 18:09 Published could not read the bank's published page Press sources 3.70%/yr · VietnamNet · read 25 Sep · 03:29 Rates by deposit tier 4.75% VND 1 million–VND 3 billion · Hà Nội · sources: 1 · 30 Sep · 17:43 4.75% VND 100 million–VND 30 billion · Hà Nội · sources: 1 · 02 Oct · 16:17 4.75% VND 100 million–VND 10 billion · Hà Nội · sources: 1 · 08 Oct · 18:09 4.75% VND 1 million–VND 5 billion · Hà Nội · sources: 1 · 02 Oct · 16:02 4.75% no amount stated · sources: 12 · 07 Oct · 22:18 4.75% VND 500 million–VND 30 billion · Hà Nội · sources: 1 · 08 Oct · 18:01 4.75% VND 1 million–VND 10 billion · Hà Nội · sources: 1 · 07 Oct · 18:26 4.75% no amount stated · sources: 1 · 07 Oct · 22:09 4.75% VND 500 million–VND 10 billion · Hà Nội · sources: 1 · 08 Oct · 18:01 See every term for GPBank →

01 VietBank Joint-stock 4.80plus 1 more — see allBank salespersonTP.HCM · 05 Oct · 14:28

Sources and conditions

Applies to: no amount stated Web 4.60 · static.vietbank.com.vn · 21 Sep · 00:51
Press —
02 NCB Joint-stock 4.75Rate poster image07 Oct · 22:28

Sources and conditions

Applies to: VND 1–5 million Web 4.75 · ncb-bank.vn · 19 Aug · 19:12
Press —
03 Sacombank Joint-stock 4.75Bank salespersonTP.HCM · 06 Oct · 16:50

Sources and conditions

Applies to: no amount stated Web 4.75 · sacombank.com.vn · 21 Sep · 00:50
Press —
04 SHB Joint-stock 4.75plus 4 more — see allBank salespersonHà Nội · 07 Oct · 10:08

Sources and conditions

Applies to: no amount stated Web 4.65 · shb.com.vn · 21 Aug · 22:06
Press —
05 VPBank Joint-stock 4.75Market survey05 Oct · 14:14

Sources and conditions

Applies to: no amount stated Web 4.65 · vpbank.com.vn · 22 Sep · 23:36
Press —
06 TPBank Joint-stock 4.75plus 1 more — see allMarket surveyHà Nội · 07 Oct · 18:13

Sources and conditions

Applies to: no amount stated Web 4.20 · tpb.vn · 21 Sep · 00:50
Press —
07 PVcomBank Joint-stock 4.75Market survey08 Oct · 18:08

Sources and conditions

Applies to: no amount stated Web 2.65 · pvcombank.com.vn · 06 Sep · 02:02
Press —
08 GPBank Recent compulsory transfer 4.75rate sheet not read yetplus 8 more — see allMarket surveyHà Nội · 08 Oct · 18:09

Sources and conditions

Applies to: VND 100 million–10 billion Web —
Press 3.70 · VietnamNet · 25 Sep · 03:29

All 39 banks 3-month term · three source layers side by side

Unit: %/yr
Product: VND deposits · individuals
Interest paid: At maturity
Order: Rate high → low
Empty cell: We have not read their table, or this term is not offered

Deposit rates at the 3-month term across 39 banks — market rate, published rate and press rate. Column headings with a button can be sorted.
#		market rate	Applies toamount, conditions	the bank's own site
1	VietBank Joint-stock	4.80plus 1 more — see all	no amount stated	4.60 static.vietbank.com.vn · 21 Sep · 00:51
Three source layers Survey 4.80%/yr · Bank salesperson · TP.HCM · sources: 1 · read 05 Oct · 14:28 Published 4.60%/yr · static.vietbank.com.vn · read 21 Sep · 00:51 Press sources not in the press rate table Rates by deposit tier 4.75–4.80% no amount stated · TP.HCM · sources: 1 · 05 Oct · 14:28 4.75% no amount stated · sources: 1 · 05 Oct · 18:19 Conditions and caveats KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the PDF, source line: 3 tháng 4.60% - See every term for VietBank →
2	NCB Joint-stock	4.75	VND 1–5 million	4.75 ncb-bank.vn · 19 Aug · 19:12
Three source layers Survey 4.75%/yr · Rate poster image · sources: 1 · read 07 Oct · 22:28 Published 4.75%/yr · ncb-bank.vn · read 19 Aug · 19:12 Press sources not in the press rate table Conditions and caveats TIẾT KIỆM AN PHÚ · read from the PDF, source line: 03 tháng 4.75 4.73 See every term for NCB →
3	Sacombank Joint-stock	4.75	no amount stated	4.75 sacombank.com.vn · 21 Sep · 00:50
Three source layers Survey 4.75%/yr · Bank salesperson · TP.HCM · sources: 1 · read 06 Oct · 16:50 Published 4.75%/yr · sacombank.com.vn · read 21 Sep · 00:50 Press sources not in the press rate table Conditions and caveats at maturity · read from the PDF, source line: 3 tháng 4.50% 4.48% 4.60% 4.58% 4.75% 4.73% See every term for Sacombank →
4	SHB Joint-stock	4.75plus 4 more — see all	no amount stated	4.65 shb.com.vn · 21 Aug · 22:06
Three source layers Survey 4.75%/yr · Bank salesperson · Hà Nội · sources: 1 · read 07 Oct · 10:08 Published 4.65%/yr · shb.com.vn · read 21 Aug · 22:06 Press sources not in the press rate table Rates by deposit tier 4.75% no amount stated · TP.HCM · sources: 1 · 01 Oct · 09:23 4.75% from VND 300 million · Hà Nội · sources: 1 · 02 Oct · 16:12 4.75% no amount stated · Hà Nội · sources: 1 · 07 Oct · 10:08 4.75% from VND 300 million · sources: 1 · 07 Oct · 19:46 4.70% no amount stated · sources: 1 · 04 Oct · 21:26 Conditions and caveats Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read from a wide table in the PDF, source line: Cuối kỳ 4.60 4.60 4.65 4.65 4.65 6.20 6.20 6.20 6.40 6.40 6.40 6.50 6.50 6.60 6.60 6.70 6.70 See every term for SHB →
5	VPBank Joint-stock	4.75	no amount stated	4.65 vpbank.com.vn · 22 Sep · 23:36
Three source layers Survey 4.75%/yr · Market survey · sources: 1 · read 05 Oct · 14:14 Published 4.65%/yr · vpbank.com.vn · read 22 Sep · 23:36 Press sources not in the press rate table Conditions and caveats read from the PDF by vision; two passes agreed See every term for VPBank →
6	TPBank Joint-stock	4.75plus 1 more — see all	no amount stated	4.20 tpb.vn · 21 Sep · 00:50
Three source layers Survey 4.75%/yr · Market survey · Hà Nội · sources: 1 · read 07 Oct · 18:13 Published 4.20%/yr · tpb.vn · read 21 Sep · 00:50 Press sources not in the press rate table Rates by deposit tier 4.75% no amount stated · sources: 1 · 02 Oct · 16:12 4.75% no amount stated · Hà Nội · sources: 1 · 07 Oct · 18:13 Conditions and caveats tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ tháng quý 6th/lần · read from the PDF, source line: 3 tháng 3.95 3.96 4.20 4.20 4.20 3.95 3.96 See every term for TPBank →
7	PVcomBank Joint-stock	4.75	no amount stated	2.65 pvcombank.com.vn · 06 Sep · 02:02
Three source layers Survey 4.75%/yr · Market survey · sources: 1 · read 08 Oct · 18:08 Published 2.65%/yr · pvcombank.com.vn · read 06 Sep · 02:02 Press sources not in the press rate table Conditions and caveats [GD Tại quầy] Tiền gửi tiết kiệm VND See every term for PVcomBank →
8	GPBank Recent compulsory transfer	4.75rate sheet not read yetplus 8 more — see all	VND 100 million–10 billion	—
Three source layers Survey 4.75%/yr · Market survey · Hà Nội · sources: 1 · read 08 Oct · 18:09 Published could not read the bank's published page Press sources 3.70%/yr · VietnamNet · read 25 Sep · 03:29 Rates by deposit tier 4.75% VND 1 million–VND 3 billion · Hà Nội · sources: 1 · 30 Sep · 17:43 4.75% VND 100 million–VND 30 billion · Hà Nội · sources: 1 · 02 Oct · 16:17 4.75% VND 100 million–VND 10 billion · Hà Nội · sources: 1 · 08 Oct · 18:09 4.75% VND 1 million–VND 5 billion · Hà Nội · sources: 1 · 02 Oct · 16:02 4.75% no amount stated · sources: 12 · 07 Oct · 22:18 4.75% VND 500 million–VND 30 billion · Hà Nội · sources: 1 · 08 Oct · 18:01 4.75% VND 1 million–VND 10 billion · Hà Nội · sources: 1 · 07 Oct · 18:26 4.75% no amount stated · sources: 1 · 07 Oct · 22:09 4.75% VND 500 million–VND 10 billion · Hà Nội · sources: 1 · 08 Oct · 18:01 See every term for GPBank →
9	MB Joint-stock	4.75last read 11 Sep	from VND 20 billion	—
Three source layers Survey 4.75%/yr · Market survey · sources: 1 · read 01 Oct · 09:22 Published could not read the bank's published page Press sources not in the press rate table See every term for MB →
10	HDBank Joint-stock	4.70plus 1 more — see all	from VND 50 million	4.35 cdn.hdbank.com.vn · 09 Sep · 22:08
Three source layers Survey 4.70%/yr · Market survey · sources: 1 · read 06 Oct · 17:42 Published 4.35%/yr · cdn.hdbank.com.vn · read 09 Sep · 22:08 Press sources not in the press rate table Rates by deposit tier 4.70% from VND 50 million · sources: 1 · 06 Oct · 17:42 4.50% no amount stated · TP.HCM · sources: 1 · 06 Oct · 08:58 Conditions and caveats d. Lãi suất Tiền gửi tiết kiệm Online Vikki · read from the PDF, source line: 03 tháng 4,35 · a product on the rate sheet HDBank publishes See every term for HDBank →
Below: 29 banks with no quoted rate on record at this term. Missing survey data does not mean the rate is low.
11	ACB Joint-stock	—	—	4.75 online · acb.com.vn · 12 Aug · 14:27
Three source layers Survey not recorded Published 4.75%/yr · online · acb.com.vn · read 12 Aug · 14:27 Press sources not in the press rate table Conditions and caveats product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 See every term for ACB →
12	BVBank Joint-stock	—	—	4.75 bvbank.net.vn · 21 Sep · 14:25
Three source layers Survey not recorded Published 4.75%/yr · bvbank.net.vn · read 21 Sep · 14:25 Press sources not in the press rate table Conditions and caveats Kỳ hạn Lãi cuối kỳ Lãi tháng Lãi trước · read from the PDF, source line: 03 Tháng 4.75 4.73 4.69 Từ92 đến See every term for BVBank →
13	CIMB Joint-stock	—	—	4.75 cimbbank.com.vn · 25 Sep · 03:28
Three source layers Survey not recorded Published 4.75%/yr · cimbbank.com.vn · read 25 Sep · 03:28 Press sources not in the press rate table Conditions and caveats cột khách hàng tiêu chuẩn (neo x=239) · 3 tháng / See every term for CIMB →
14	MBV Recent compulsory transfer	—	—	4.75 in branch · mbv.com.vn · 11 Aug · 13:45
Three source layers Survey not recorded Published 4.75%/yr · in branch · mbv.com.vn · read 11 Aug · 13:45 Press sources not in the press rate table Conditions and caveats Trả lãi cuối kỳ tại quầy See every term for MBV →
15	MSB Joint-stock	—	—	4.75 msb.com.vn · 18 Sep · 18:56
Three source layers Survey not recorded Published 4.75%/yr · msb.com.vn · read 18 Sep · 18:56 Press sources not in the press rate table Conditions and caveats Savings interest rates · Highest rate See every term for MSB →
16	Nam A Bank Joint-stock	—	—	4.75 online · namabank.com.vn · 11 Aug · 14:13
Three source layers Survey not recorded Published 4.75%/yr · online · namabank.com.vn · read 11 Aug · 14:13 Press sources not in the press rate table Conditions and caveats Tiết kiệm trực tuyến (Online) See every term for Nam A Bank →
17	OCB Joint-stock	—	—	4.75 webocb-api.ocb.com.vn · 09 Aug · 22:34
Three source layers Survey not recorded Published 4.75%/yr · webocb-api.ocb.com.vn · read 09 Aug · 22:34 Press sources not in the press rate table Conditions and caveats read from the PDF by vision; two passes agreed · Online See every term for OCB →
18	PGBank Joint-stock	—	—	4.75 pgbank.com.vn · 21 Sep · 00:05
Three source layers Survey not recorded Published 4.75%/yr · pgbank.com.vn · read 21 Sep · 00:05 Press sources not in the press rate table Conditions and caveats LÃI SUẤT TIỀN GỬI TIẾT KIỆM DÀNH CHO KHÁCH HÀNG CÁ NHÂN (VNĐ) See every term for PGBank →
19	Public Bank Joint-stock	—	—	4.75 publicbank.com.vn · 22 Sep · 23:23
Three source layers Survey not recorded Published 4.75%/yr · publicbank.com.vn · read 22 Sep · 23:23 Press sources not in the press rate table Conditions and caveats LÃI SUẤT TIỀN GỬI CÓ KỲ HẠN VÀ TIỀN GỬI TIẾT KIỆM - PLUS See every term for Public Bank →
20	Saigonbank Joint-stock	—	—	4.75 saigonbank.com.vn · 25 Sep · 03:19
Three source layers Survey not recorded Published 4.75%/yr · saigonbank.com.vn · read 25 Sep · 03:19 Press sources not in the press rate table Conditions and caveats Lãi suất tiền gởi tiết kiệm (TGTK) bằng Đồng Việt Nam của cá nhân See every term for Saigonbank →
21	VCBNeo Recent compulsory transfer	—	—	4.75 vcbneo.com.vn · 25 Sep · 03:19
Three source layers Survey not recorded Published 4.75%/yr · vcbneo.com.vn · read 25 Sep · 03:19 Press sources not in the press rate table Conditions and caveats "Chính sách lãi suất huy động áp dụng cụ thể theo đặc thù từng vùng, từng đơn vị. Vui lòng liên hệ trực tiếp CN/PGD trên See every term for VCBNeo →
22	UOB Joint-stock	—	—	4.73 uob.com.vn · 21 Sep · 00:51
Three source layers Survey not recorded Published 4.73%/yr · uob.com.vn · read 21 Sep · 00:51 Press sources not in the press rate table Conditions and caveats Lãi cuối kỳ Lãi hàng tháng · read from the PDF, source line: 3 tháng 4,73 4,73 4,73 See every term for UOB →
23	LPBank Joint-stock	—	—	4.65 online · lpbank.com.vn · 18 Sep · 11:05
Three source layers Survey not recorded Published 4.65%/yr · online · lpbank.com.vn · read 18 Sep · 11:05 Press sources not in the press rate table Conditions and caveats Tiết kiệm online; lãi trả cuối kỳ; group: LSHD_VND; in force from: 2026-08-11; category: TK_ONLINE See every term for LPBank →
24	SeABank Joint-stock	—	—	4.45 seabank.com.vn · 21 Sep · 01:01
Three source layers Survey not recorded Published 4.45%/yr · seabank.com.vn · read 21 Sep · 01:01 Press sources not in the press rate table Conditions and caveats Tiết kiệm Lĩnh lãi cuối kỳ See every term for SeABank →
25	Techcombank Joint-stock	—	—	4.35 techcombank.com · 18 Sep · 10:44
Three source layers Survey not recorded Published 4.35%/yr · techcombank.com · read 18 Sep · 10:44 Press sources not in the press rate table Conditions and caveats lưới 4 hạng × 3 bậc số dư — ghim nhóm hạng thường (cột 10–12), lấy bậc số dư thấp nhất · 3M See every term for Techcombank →
26	Standard Chartered Joint-stock	—	—	4.25 av.sc.com · 21 Sep · 00:49
Three source layers Survey not recorded Published 4.25%/yr · av.sc.com · read 21 Sep · 00:49 Press sources not in the press rate table Conditions and caveats Tiền Gửi Có Kỳ Hạn Trực Tuyến/ Online Flexi Term Deposit · VND USD EUR GBP SGD AUD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng/ 3 months 4.25% 0.00% 0.45% 1.29% 0.20% 1.10% See every term for Standard Chartered →
27	ABBANK Joint-stock	—	—	3.80 online · abbank.vn · 06 Sep · 01:43
Three source layers Survey not recorded Published 3.80%/yr · online · abbank.vn · read 06 Sep · 01:43 Press sources not in the press rate table Conditions and caveats Tiền gửi có kỳ hạn (Hợp đồng tiền gửi) VND: lĩnh lãi cuối kỳ, lĩnh lãi hàng tháng, lĩnh lãi hàng quý mở tại quầy giao dị See every term for ABBANK →
28	Eximbank Joint-stock	—	—	3.60 media.eximbank.com.vn · 23 Sep · 03:12
Three source layers Survey not recorded Published 3.60%/yr · media.eximbank.com.vn · read 23 Sep · 03:12 Press sources not in the press rate table Conditions and caveats trước hàng tháng hàng quý hàng 6 tháng hàng năm cuối kỳ · read from the PDF, source line: 3 tháng 3,2 3,4 3,6 See every term for Eximbank →
29	Agribank State-owned	—	—	2.90 agribank.com.vn · 11 Aug · 15:06
Three source layers Survey not recorded Published 2.90%/yr · agribank.com.vn · read 11 Aug · 15:06 Press sources not in the press rate table Conditions and caveats 3 Tháng See every term for Agribank →
30	BIDV State-owned	—	—	2.40 in branch · bidv.com.vn · 12 Aug · 14:29
Three source layers Survey not recorded Published 2.40%/yr · in branch · bidv.com.vn · read 12 Aug · 14:29 Press sources not in the press rate table Conditions and caveats region: Hà Nội & TP.HCM. Lãi suất nêu trên áp dụng đối với khách hàng cá nhân và chỉ mang tính tham khảo, có thể thay đổi tùy từng địa bàn. Để biết mức lãi suất cụ thể Quý khách hàng vui lòng liên hệ với Chi nhánh/Phòng Giao dịch BIDV trên cả nước. See every term for BIDV →
31	Vietcombank State-owned	—	—	2.40 in branch · vietcombank.com.vn · 06 Aug · 15:48
Three source layers Survey not recorded Published 2.40%/yr · in branch · vietcombank.com.vn · read 06 Aug · 15:48 Press sources not in the press rate table Conditions and caveats type: Savings See every term for Vietcombank →
32	VietinBank State-owned	—	—	2.40 vietinbank.vn · 21 Aug · 22:29
Three source layers Survey not recorded Published 2.40%/yr · vietinbank.vn · read 21 Aug · 22:29 Press sources not in the press rate table Conditions and caveats LÃI SUẤT HUY ĐỘNG ĐỐI VỚI CÁC KỲ HẠN · Từ 3 tháng đến dưới 4 tháng See every term for VietinBank →
33	HSBC Joint-stock	—	—	2.25 hsbc.com.vn · 21 Sep · 00:48
Three source layers Survey not recorded Published 2.25%/yr · hsbc.com.vn · read 21 Sep · 00:48 Press sources not in the press rate table Conditions and caveats Nhận Lãi Cuối Kỳ (%/năm) · Kỳ hạn VND USD EUR GBP AUD CAD JPY HKD SGD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng 2.25 0.00 0.00 0.40 0.50 0.50 0.00 0.00 0.00 See every term for HSBC →
34	Bac A Bank Joint-stock	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 4.75%/yr · VietnamNet · read 25 Sep · 03:29 See every term for Bac A Bank →
35	VietABank Joint-stock	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 4.75%/yr · VietnamNet · read 25 Sep · 03:29 See every term for VietABank →
36	Vikki Bank Recent compulsory transfer	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 4.70%/yr · VietnamNet · read 25 Sep · 03:29 See every term for Vikki Bank →
37	VIB Joint-stock	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 4.45%/yr · VietnamNet · read 25 Sep · 03:29 See every term for VIB →
38	KienlongBank Joint-stock	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 4.20%/yr · VietnamNet · read 25 Sep · 03:29 See every term for KienlongBank →
39	SCB Joint-stock	—	—	—
Three source layers Survey not recorded Published could not read the bank's published page Press sources 1.90%/yr · VietnamNet · read 25 Sep · 03:29 See every term for SCB →

01 VietBank Joint-stock 4.80plus 1 more — see allBank salespersonTP.HCM · 05 Oct · 14:28

Sources and conditions

Applies to: no amount stated Web 4.60 · static.vietbank.com.vn · 21 Sep · 00:51
Press —
02 NCB Joint-stock 4.75Rate poster image07 Oct · 22:28

Sources and conditions

Applies to: VND 1–5 million Web 4.75 · ncb-bank.vn · 19 Aug · 19:12
Press —
03 Sacombank Joint-stock 4.75Bank salespersonTP.HCM · 06 Oct · 16:50

Sources and conditions

Applies to: no amount stated Web 4.75 · sacombank.com.vn · 21 Sep · 00:50
Press —
04 SHB Joint-stock 4.75plus 4 more — see allBank salespersonHà Nội · 07 Oct · 10:08

Sources and conditions

Applies to: no amount stated Web 4.65 · shb.com.vn · 21 Aug · 22:06
Press —
05 VPBank Joint-stock 4.75Market survey05 Oct · 14:14

Sources and conditions

Applies to: no amount stated Web 4.65 · vpbank.com.vn · 22 Sep · 23:36
Press —
06 TPBank Joint-stock 4.75plus 1 more — see allMarket surveyHà Nội · 07 Oct · 18:13

Sources and conditions

Applies to: no amount stated Web 4.20 · tpb.vn · 21 Sep · 00:50
Press —
07 PVcomBank Joint-stock 4.75Market survey08 Oct · 18:08

Sources and conditions

Applies to: no amount stated Web 2.65 · pvcombank.com.vn · 06 Sep · 02:02
Press —
08 GPBank Recent compulsory transfer 4.75rate sheet not read yetplus 8 more — see allMarket surveyHà Nội · 08 Oct · 18:09

Sources and conditions

Applies to: VND 100 million–10 billion Web —
Press 3.70 · VietnamNet · 25 Sep · 03:29
09 MB Joint-stock 4.75last read 11 SepMarket survey01 Oct · 09:22

Sources and conditions

Applies to: from VND 20 billion Web —
Press —
10 HDBank Joint-stock 4.70plus 1 more — see allMarket survey06 Oct · 17:42

Sources and conditions

Applies to: from VND 50 million Web 4.35 · cdn.hdbank.com.vn · 09 Sep · 22:08
Press —
Below: 29 banks with no quoted rate on record at this term. Missing survey data does not mean the rate is low.
11 ACB Joint-stock —

Sources and conditions

Web 4.75 · online · acb.com.vn · 12 Aug · 14:27
Press —
12 BVBank Joint-stock —

Sources and conditions

Web 4.75 · bvbank.net.vn · 21 Sep · 14:25
Press —
13 CIMB Joint-stock —

Sources and conditions

Web 4.75 · cimbbank.com.vn · 25 Sep · 03:28
Press —
14 MBV Recent compulsory transfer —

Sources and conditions

Web 4.75 · in branch · mbv.com.vn · 11 Aug · 13:45
Press —
15 MSB Joint-stock —

Sources and conditions

Web 4.75 · msb.com.vn · 18 Sep · 18:56
Press —
16 Nam A Bank Joint-stock —

Sources and conditions

Web 4.75 · online · namabank.com.vn · 11 Aug · 14:13
Press —
17 OCB Joint-stock —

Sources and conditions

Web 4.75 · webocb-api.ocb.com.vn · 09 Aug · 22:34
Press —
18 PGBank Joint-stock —

Sources and conditions

Web 4.75 · pgbank.com.vn · 21 Sep · 00:05
Press —
19 Public Bank Joint-stock —

Sources and conditions

Web 4.75 · publicbank.com.vn · 22 Sep · 23:23
Press —
20 Saigonbank Joint-stock —

Sources and conditions

Web 4.75 · saigonbank.com.vn · 25 Sep · 03:19
Press —
21 VCBNeo Recent compulsory transfer —

Sources and conditions

Web 4.75 · vcbneo.com.vn · 25 Sep · 03:19
Press —
22 UOB Joint-stock —

Sources and conditions

Web 4.73 · uob.com.vn · 21 Sep · 00:51
Press —
23 LPBank Joint-stock —

Sources and conditions

Web 4.65 · online · lpbank.com.vn · 18 Sep · 11:05
Press —
24 SeABank Joint-stock —

Sources and conditions

Web 4.45 · seabank.com.vn · 21 Sep · 01:01
Press —
25 Techcombank Joint-stock —

Sources and conditions

Web 4.35 · techcombank.com · 18 Sep · 10:44
Press —
26 Standard Chartered Joint-stock —

Sources and conditions

Web 4.25 · av.sc.com · 21 Sep · 00:49
Press —
27 ABBANK Joint-stock —

Sources and conditions

Web 3.80 · online · abbank.vn · 06 Sep · 01:43
Press —
28 Eximbank Joint-stock —

Sources and conditions

Web 3.60 · media.eximbank.com.vn · 23 Sep · 03:12
Press —
29 Agribank State-owned —

Sources and conditions

Web 2.90 · agribank.com.vn · 11 Aug · 15:06
Press —
30 BIDV State-owned —

Sources and conditions

Web 2.40 · in branch · bidv.com.vn · 12 Aug · 14:29
Press —
31 Vietcombank State-owned —

Sources and conditions

Web 2.40 · in branch · vietcombank.com.vn · 06 Aug · 15:48
Press —
32 VietinBank State-owned —

Sources and conditions

Web 2.40 · vietinbank.vn · 21 Aug · 22:29
Press —
33 HSBC Joint-stock —

Sources and conditions

Web 2.25 · hsbc.com.vn · 21 Sep · 00:48
Press —
34 Bac A Bank Joint-stock —

Sources and conditions

Web —
Press 4.75 · VietnamNet · 25 Sep · 03:29
35 VietABank Joint-stock —

Sources and conditions

Web —
Press 4.75 · VietnamNet · 25 Sep · 03:29
36 Vikki Bank Recent compulsory transfer —

Sources and conditions

Web —
Press 4.70 · VietnamNet · 25 Sep · 03:29
37 VIB Joint-stock —

Sources and conditions

Web —
Press 4.45 · VietnamNet · 25 Sep · 03:29
38 KienlongBank Joint-stock —

Sources and conditions

Web —
Press 4.20 · VietnamNet · 25 Sep · 03:29
39 SCB Joint-stock —

Sources and conditions

Web —
Press 1.90 · VietnamNet · 25 Sep · 03:29

02 The published rate scale

32 banks on one axis, converted into the interest earned on your deposit.

The interest column is worked out on a VND 1 billion deposit. Change the figure in the amount you plan to deposit box at the top of the page and the whole page recalculates.

The gap between the highest-paying bank (ACB, 4.75%) and the lowest (HSBC, 2.25%) is 2.5 percentage points — on a VND 1 billion deposit for a 3-month term, that gap is worth VND 6.2 million in interest earned. Median 4.65%.

Scale of 32 banks where each bank sits on the axis, converted to interest earned

3-month rate ranking across 32 banks
#	Bank	Interest rates	Interest at maturity	Behind the leader	Source

01	ACB Joint-stock · online	4.75	11,875,000 VND	leader	two sources agree Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000 Cross-check Confirmed by a second source
02	BVBank Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source bvbank.net.vn Source page read at 14:25 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Kỳ hạn Lãi cuối kỳ Lãi tháng Lãi trước · read from the PDF, source line: 03 Tháng 4.75 4.73 4.69 Từ92 đến Cross-check Recorded from the bank's published page; no second source yet
03	CIMB Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source cimbbank.com.vn Source page read at 03:28 on 25 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) cột khách hàng tiêu chuẩn (neo x=239) · 3 tháng / Cross-check Recorded from the bank's published page; no second source yet
04	MB Joint-stock · online	4.75	11,875,000 VND	−0 pts	receipt Source mbbank.com.vn Source page read at 02:20 on 12 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) hiệu lực từ ngày 11-09-2026; IV. Lãi suất sản phẩm Tiền gửi số truyền thống:; 2. Lãi suất sản phẩm Tiền gửi số truyền thống (áp dụng: Khách hàng Priority & Khách hàng Private); Khách hàng Private \| Lãi trả sau (%/năm) Cross-check Recorded from the bank's published page; no second source yet
05	MBV Recent compulsory transfer · in branch	4.75	11,875,000 VND	−0 pts	two sources agree Source mbv.com.vn Source page read at 13:45 on 11 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) Trả lãi cuối kỳ tại quầy Cross-check Confirmed by a second source
06	MSB Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source msb.com.vn Source page read at 18:56 on 18 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Savings interest rates · Highest rate Cross-check Recorded from the bank's published page; no second source yet
07	Nam A Bank Joint-stock · online	4.75	11,875,000 VND	−0 pts	two sources agree Source namabank.com.vn Source page read at 14:13 on 11 Aug 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) Tiết kiệm trực tuyến (Online) Cross-check Confirmed by a second source
08	NCB Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source ncb-bank.vn Source page read at 19:12 on 19 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) TIẾT KIỆM AN PHÚ · read from the PDF, source line: 03 tháng 4.75 4.73 Cross-check Recorded from the bank's published page; no second source yet
09	OCB Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source webocb-api.ocb.com.vn Source page read at 22:34 on 09 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed · Online Cross-check Recorded from the bank's published page; no second source yet
10	Public Bank Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source publicbank.com.vn Source page read at 23:23 on 22 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) LÃI SUẤT TIỀN GỬI CÓ KỲ HẠN VÀ TIỀN GỬI TIẾT KIỆM - PLUS Cross-check Recorded from the bank's published page; no second source yet
11	PGBank Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source pgbank.com.vn Source page read at 00:05 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) LÃI SUẤT TIỀN GỬI TIẾT KIỆM DÀNH CHO KHÁCH HÀNG CÁ NHÂN (VNĐ) Cross-check Recorded from the bank's published page; no second source yet
12	Saigonbank Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source saigonbank.com.vn Source page read at 03:19 on 25 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Lãi suất tiền gởi tiết kiệm (TGTK) bằng Đồng Việt Nam của cá nhân Cross-check Recorded from the bank's published page; no second source yet
13	Sacombank Joint-stock	4.75	11,875,000 VND	−0 pts	receipt Source sacombank.com.vn Source page read at 00:50 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) at maturity · read from the PDF, source line: 3 tháng 4.50% 4.48% 4.60% 4.58% 4.75% 4.73% Cross-check Recorded from the bank's published page; no second source yet
14	VCBNeo Recent compulsory transfer	4.75	11,875,000 VND	−0 pts	receipt Source vcbneo.com.vn Source page read at 03:19 on 25 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) "Chính sách lãi suất huy động áp dụng cụ thể theo đặc thù từng vùng, từng đơn vị. Vui lòng liên hệ trực tiếp CN/PGD trên Cross-check Recorded from the bank's published page; no second source yet
15	UOB Joint-stock	4.73	11,825,000 VND	−0.02 pts −under VND 1 million	receipt Source uob.com.vn Source page read at 00:51 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Lãi cuối kỳ Lãi hàng tháng · read from the PDF, source line: 3 tháng 4,73 4,73 4,73 Cross-check Recorded from the bank's published page; no second source yet
16	LPBank Joint-stock · online	4.65	11,625,000 VND	−0.1 pts −under VND 1 million	receipt Source lpbank.com.vn Source page read at 11:05 on 18 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) Tiết kiệm online; lãi trả cuối kỳ; group: LSHD_VND; in force from: 2026-08-11; category: TK_ONLINE Cross-check Recorded from the bank's published page; no second source yet
17	SHB Joint-stock	4.65	11,625,000 VND	−0.1 pts −under VND 1 million	receipt Source shb.com.vn Source page read at 22:06 on 21 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read from a wide table in the PDF, source line: Cuối kỳ 4.60 4.60 4.65 4.65 4.65 6.20 6.20 6.20 6.40 6.40 6.40 6.50 6.50 6.60 6.60 6.70 6.70 Cross-check Recorded from the bank's published page; no second source yet
18	VPBank Joint-stock	4.65	11,625,000 VND	−0.1 pts −under VND 1 million	receipt Source vpbank.com.vn Source page read at 23:36 on 22 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) read from the PDF by vision; two passes agreed Cross-check Recorded from the bank's published page; no second source yet
19	VietBank Joint-stock	4.60	11,500,000 VND	−0.15 pts −under VND 1 million	receipt Source static.vietbank.com.vn Source page read at 00:51 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the PDF, source line: 3 tháng 4.60% - Cross-check Recorded from the bank's published page; no second source yet
20	SeABank Joint-stock	4.45	11,125,000 VND	−0.3 pts −under VND 1 million	receipt Source seabank.com.vn Source page read at 01:01 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Tiết kiệm Lĩnh lãi cuối kỳ Cross-check Recorded from the bank's published page; no second source yet
21	HDBank Joint-stock	4.35	10,875,000 VND	−0.4 pts −VND 1 million	receipt Source cdn.hdbank.com.vn Source page read at 22:08 on 09 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) d. Lãi suất Tiền gửi tiết kiệm Online Vikki · read from the PDF, source line: 03 tháng 4,35 · a product on the rate sheet HDBank publishes Cross-check Recorded from the bank's published page; no second source yet
22	Techcombank Joint-stock	4.35	10,875,000 VND	−0.4 pts −VND 1 million	receipt Source techcombank.com Source page read at 10:44 on 18 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) lưới 4 hạng × 3 bậc số dư — ghim nhóm hạng thường (cột 10–12), lấy bậc số dư thấp nhất · 3M Cross-check Recorded from the bank's published page; no second source yet
23	Standard Chartered Joint-stock	4.25	10,625,000 VND	−0.5 pts −VND 1.2 million	receipt Source av.sc.com Source page read at 00:49 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Tiền Gửi Có Kỳ Hạn Trực Tuyến/ Online Flexi Term Deposit · VND USD EUR GBP SGD AUD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng/ 3 months 4.25% 0.00% 0.45% 1.29% 0.20% 1.10% Cross-check Recorded from the bank's published page; no second source yet
24	TPBank Joint-stock	4.20	10,500,000 VND	−0.55 pts −VND 1.4 million	receipt Source tpb.vn Source page read at 00:50 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ tháng quý 6th/lần · read from the PDF, source line: 3 tháng 3.95 3.96 4.20 4.20 4.20 3.95 3.96 Cross-check Recorded from the bank's published page; no second source yet
25	ABBANK Joint-stock · online	3.80	9,500,000 VND	−0.95 pts −VND 2.4 million	receipt Source abbank.vn Source page read at 01:43 on 06 Sep 2026 (Vietnam time) Channel online Interest paid at maturity Conditions (original, Vietnamese) Tiền gửi có kỳ hạn (Hợp đồng tiền gửi) VND: lĩnh lãi cuối kỳ, lĩnh lãi hàng tháng, lĩnh lãi hàng quý mở tại quầy giao dị Cross-check Recorded from the bank's published page; no second source yet
26	Eximbank Joint-stock	3.60	9,000,000 VND	−1.15 pts −VND 2.9 million	receipt Source media.eximbank.com.vn Source page read at 03:12 on 23 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) trước hàng tháng hàng quý hàng 6 tháng hàng năm cuối kỳ · read from the PDF, source line: 3 tháng 3,2 3,4 3,6 Cross-check Recorded from the bank's published page; no second source yet
27	Agribank State-owned	2.90	7,250,000 VND	−1.85 pts −VND 4.6 million	two sources agree Source agribank.com.vn Source page read at 15:06 on 11 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) 3 Tháng Cross-check Confirmed by a second source
28	PVcomBank Joint-stock	2.65	6,625,000 VND	−2.1 pts −VND 5.2 million	receipt Source pvcombank.com.vn Source page read at 02:02 on 06 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) [GD Tại quầy] Tiền gửi tiết kiệm VND Cross-check Recorded from the bank's published page; no second source yet
29	BIDV State-owned · in branch	2.40	6,000,000 VND	−2.35 pts −VND 5.9 million	two sources agree Source bidv.com.vn Source page read at 14:29 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) region: Hà Nội & TP.HCM. Lãi suất nêu trên áp dụng đối với khách hàng cá nhân và chỉ mang tính tham khảo, có thể thay đổi tùy từng địa bàn. Để biết mức lãi suất cụ thể Quý khách hàng vui lòng liên hệ với Chi nhánh/Phòng Giao dịch BIDV trên cả nước. Cross-check Confirmed by a second source
30	VietinBank State-owned	2.40	6,000,000 VND	−2.35 pts −VND 5.9 million	receipt Source vietinbank.vn Source page read at 22:29 on 21 Aug 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) LÃI SUẤT HUY ĐỘNG ĐỐI VỚI CÁC KỲ HẠN · Từ 3 tháng đến dưới 4 tháng Cross-check Recorded from the bank's published page; no second source yet
31	Vietcombank State-owned · in branch	2.40	6,000,000 VND	−2.35 pts −VND 5.9 million	two sources agree Source vietcombank.com.vn Source page read at 15:48 on 06 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) type: Savings Cross-check Confirmed by a second source
32	HSBC Joint-stock	2.25	5,625,000 VND	−2.5 pts −VND 6.2 million	receipt Source hsbc.com.vn Source page read at 00:48 on 21 Sep 2026 (Vietnam time) Interest paid at maturity Conditions (original, Vietnamese) Nhận Lãi Cuối Kỳ (%/năm) · Kỳ hạn VND USD EUR GBP AUD CAD JPY HKD SGD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng 2.25 0.00 0.00 0.40 0.50 0.50 0.00 0.00 0.00 Cross-check Recorded from the bank's published page; no second source yet

RANK 1 ACB Joint-stock · online 4.75%11,875,000 VND in interestLeads the tableConditions: Mức gửi/ TK (triệu VND): 200 – < 1.000…

two sources agree

Source: acb.com.vn
Source page read at: 14:27 on 12 Aug 2026 (Vietnam time)
Channel: online
Interest paid: at maturity
Conditions (original, Vietnamese): product: Tiền gửi Online; Mức gửi/ TK (triệu VND): 200 – < 1.000
Cross-check: Confirmed by a second source

RANK 2 BVBank Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Kỳ hạn Lãi cuối kỳ Lãi tháng Lãi trước…

receipt

Source: bvbank.net.vn
Source page read at: 14:25 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Kỳ hạn Lãi cuối kỳ Lãi tháng Lãi trước · read from the PDF, source line: 03 Tháng 4.75 4.73 4.69 Từ92 đến
Cross-check: Recorded from the bank's published page; no second source yet

RANK 3 CIMB Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: cột khách hàng tiêu chuẩn (neo x=239) · 3…

receipt

Source: cimbbank.com.vn
Source page read at: 03:28 on 25 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): cột khách hàng tiêu chuẩn (neo x=239) · 3 tháng /
Cross-check: Recorded from the bank's published page; no second source yet

RANK 4 MB Joint-stock · online 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Private clients · Priority clients…

receipt

Source: mbbank.com.vn
Source page read at: 02:20 on 12 Sep 2026 (Vietnam time)
Channel: online
Interest paid: at maturity
Conditions (original, Vietnamese): hiệu lực từ ngày 11-09-2026; IV. Lãi suất sản phẩm Tiền gửi số truyền thống:; 2. Lãi suất sản phẩm Tiền gửi số truyền thống (áp dụng: Khách hàng Priority & Khách hàng Private); Khách hàng Private | Lãi trả sau (%/năm)
Cross-check: Recorded from the bank's published page; no second source yet

RANK 5 MBV Recent compulsory transfer · in branch 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Trả lãi cuối kỳ tại quầy

two sources agree

Source: mbv.com.vn
Source page read at: 13:45 on 11 Aug 2026 (Vietnam time)
Channel: in branch
Interest paid: at maturity
Conditions (original, Vietnamese): Trả lãi cuối kỳ tại quầy
Cross-check: Confirmed by a second source

RANK 6 MSB Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Savings interest rates · Highest rate

receipt

Source: msb.com.vn
Source page read at: 18:56 on 18 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Savings interest rates · Highest rate
Cross-check: Recorded from the bank's published page; no second source yet

RANK 7 Nam A Bank Joint-stock · online 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Tiết kiệm trực tuyến (Online)

two sources agree

Source: namabank.com.vn
Source page read at: 14:13 on 11 Aug 2026 (Vietnam time)
Channel: online
Interest paid: at maturity
Conditions (original, Vietnamese): Tiết kiệm trực tuyến (Online)
Cross-check: Confirmed by a second source

RANK 8 NCB Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: TIẾT KIỆM AN PHÚ · read from the PDF…

receipt

Source: ncb-bank.vn
Source page read at: 19:12 on 19 Aug 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): TIẾT KIỆM AN PHÚ · read from the PDF, source line: 03 tháng 4.75 4.73
Cross-check: Recorded from the bank's published page; no second source yet

RANK 9 OCB Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: read from the PDF by vision; two passes…

receipt

Source: webocb-api.ocb.com.vn
Source page read at: 22:34 on 09 Aug 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): read from the PDF by vision; two passes agreed · Online
Cross-check: Recorded from the bank's published page; no second source yet

RANK 10 Public Bank Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: LÃI SUẤT TIỀN GỬI CÓ KỲ HẠN VÀ TIỀN GỬI…

receipt

Source: publicbank.com.vn
Source page read at: 23:23 on 22 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): LÃI SUẤT TIỀN GỬI CÓ KỲ HẠN VÀ TIỀN GỬI TIẾT KIỆM - PLUS
Cross-check: Recorded from the bank's published page; no second source yet

RANK 11 PGBank Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: LÃI SUẤT TIỀN GỬI TIẾT KIỆM DÀNH CHO KHÁCH…

receipt

Source: pgbank.com.vn
Source page read at: 00:05 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): LÃI SUẤT TIỀN GỬI TIẾT KIỆM DÀNH CHO KHÁCH HÀNG CÁ NHÂN (VNĐ)
Cross-check: Recorded from the bank's published page; no second source yet

RANK 12 Saigonbank Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: Lãi suất tiền gởi tiết kiệm (TGTK) bằng…

receipt

Source: saigonbank.com.vn
Source page read at: 03:19 on 25 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Lãi suất tiền gởi tiết kiệm (TGTK) bằng Đồng Việt Nam của cá nhân
Cross-check: Recorded from the bank's published page; no second source yet

RANK 13 Sacombank Joint-stock 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: at maturity · read from the PDF, source…

receipt

Source: sacombank.com.vn
Source page read at: 00:50 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): at maturity · read from the PDF, source line: 3 tháng 4.50% 4.48% 4.60% 4.58% 4.75% 4.73%
Cross-check: Recorded from the bank's published page; no second source yet

RANK 14 VCBNeo Recent compulsory transfer 4.75%11,875,000 VND in interest−0 pts · −under VND 1 million/bnConditions: "Chính sách lãi suất huy động áp dụng cụ…

receipt

Source: vcbneo.com.vn
Source page read at: 03:19 on 25 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): "Chính sách lãi suất huy động áp dụng cụ thể theo đặc thù từng vùng, từng đơn vị. Vui lòng liên hệ trực tiếp CN/PGD trên
Cross-check: Recorded from the bank's published page; no second source yet

RANK 15 UOB Joint-stock 4.73%11,825,000 VND in interest−0.02 pts · −under VND 1 million/bnConditions: Lãi cuối kỳ Lãi hàng tháng · read from the…

receipt

Source: uob.com.vn
Source page read at: 00:51 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Lãi cuối kỳ Lãi hàng tháng · read from the PDF, source line: 3 tháng 4,73 4,73 4,73
Cross-check: Recorded from the bank's published page; no second source yet

RANK 16 LPBank Joint-stock · online 4.65%11,625,000 VND in interest−0.1 pts · −under VND 1 million/bnConditions: Tiết kiệm online…

receipt

Source: lpbank.com.vn
Source page read at: 11:05 on 18 Sep 2026 (Vietnam time)
Channel: online
Interest paid: at maturity
Conditions (original, Vietnamese): Tiết kiệm online; lãi trả cuối kỳ; group: LSHD_VND; in force from: 2026-08-11; category: TK_ONLINE
Cross-check: Recorded from the bank's published page; no second source yet

RANK 17 SHB Joint-stock 4.65%11,625,000 VND in interest−0.1 pts · −under VND 1 million/bnConditions: Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read…

receipt

Source: shb.com.vn
Source page read at: 22:06 on 21 Aug 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read from a wide table in the PDF, source line: Cuối kỳ 4.60 4.60 4.65 4.65 4.65 6.20 6.20 6.20 6.40 6.40 6.40 6.50 6.50 6.60 6.60 6.70 6.70
Cross-check: Recorded from the bank's published page; no second source yet

RANK 18 VPBank Joint-stock 4.65%11,625,000 VND in interest−0.1 pts · −under VND 1 million/bnConditions: read from the PDF by vision; two passes…

receipt

Source: vpbank.com.vn
Source page read at: 23:36 on 22 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): read from the PDF by vision; two passes agreed
Cross-check: Recorded from the bank's published page; no second source yet

RANK 19 VietBank Joint-stock 4.60%11,500,000 VND in interest−0.15 pts · −under VND 1 million/bnConditions: KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the…

receipt

Source: static.vietbank.com.vn
Source page read at: 00:51 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the PDF, source line: 3 tháng 4.60% -
Cross-check: Recorded from the bank's published page; no second source yet

RANK 20 SeABank Joint-stock 4.45%11,125,000 VND in interest−0.3 pts · −under VND 1 million/bnConditions: Tiết kiệm Lĩnh lãi cuối kỳ

receipt

Source: seabank.com.vn
Source page read at: 01:01 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Tiết kiệm Lĩnh lãi cuối kỳ
Cross-check: Recorded from the bank's published page; no second source yet

RANK 21 HDBank Joint-stock 4.35%10,875,000 VND in interest−0.4 pts · −VND 1 million/bnConditions: d. Lãi suất Tiền gửi tiết kiệm Online Vikki…

receipt

Source: cdn.hdbank.com.vn
Source page read at: 22:08 on 09 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): d. Lãi suất Tiền gửi tiết kiệm Online Vikki · read from the PDF, source line: 03 tháng 4,35 · a product on the rate sheet HDBank publishes
Cross-check: Recorded from the bank's published page; no second source yet

RANK 22 Techcombank Joint-stock 4.35%10,875,000 VND in interest−0.4 pts · −VND 1 million/bnConditions: lưới 4 hạng × 3 bậc số dư — ghim nhóm hạng…

receipt

Source: techcombank.com
Source page read at: 10:44 on 18 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): lưới 4 hạng × 3 bậc số dư — ghim nhóm hạng thường (cột 10–12), lấy bậc số dư thấp nhất · 3M
Cross-check: Recorded from the bank's published page; no second source yet

RANK 23 Standard Chartered Joint-stock 4.25%10,625,000 VND in interest−0.5 pts · −VND 1.2 million/bnConditions: Tiền Gửi Có Kỳ Hạn Trực Tuyến/ Online Flexi…

receipt

Source: av.sc.com
Source page read at: 00:49 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Tiền Gửi Có Kỳ Hạn Trực Tuyến/ Online Flexi Term Deposit · VND USD EUR GBP SGD AUD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng/ 3 months 4.25% 0.00% 0.45% 1.29% 0.20% 1.10%
Cross-check: Recorded from the bank's published page; no second source yet

RANK 24 TPBank Joint-stock 4.20%10,500,000 VND in interest−0.55 pts · −VND 1.4 million/bnConditions: tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ…

receipt

Source: tpb.vn
Source page read at: 00:50 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ tháng quý 6th/lần · read from the PDF, source line: 3 tháng 3.95 3.96 4.20 4.20 4.20 3.95 3.96
Cross-check: Recorded from the bank's published page; no second source yet

RANK 25 ABBANK Joint-stock · online 3.80%9,500,000 VND in interest−0.95 pts · −VND 2.4 million/bnConditions: Tiền gửi có kỳ hạn (Hợp đồng tiền gửi) VND…

receipt

Source: abbank.vn
Source page read at: 01:43 on 06 Sep 2026 (Vietnam time)
Channel: online
Interest paid: at maturity
Conditions (original, Vietnamese): Tiền gửi có kỳ hạn (Hợp đồng tiền gửi) VND: lĩnh lãi cuối kỳ, lĩnh lãi hàng tháng, lĩnh lãi hàng quý mở tại quầy giao dị
Cross-check: Recorded from the bank's published page; no second source yet

RANK 26 Eximbank Joint-stock 3.60%9,000,000 VND in interest−1.15 pts · −VND 2.9 million/bnConditions: trước hàng tháng hàng quý hàng 6 tháng hàng…

receipt

Source: media.eximbank.com.vn
Source page read at: 03:12 on 23 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): trước hàng tháng hàng quý hàng 6 tháng hàng năm cuối kỳ · read from the PDF, source line: 3 tháng 3,2 3,4 3,6
Cross-check: Recorded from the bank's published page; no second source yet

RANK 27 Agribank State-owned 2.90%7,250,000 VND in interest−1.85 pts · −VND 4.6 million/bnConditions: 3 Tháng

two sources agree

Source: agribank.com.vn
Source page read at: 15:06 on 11 Aug 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): 3 Tháng
Cross-check: Confirmed by a second source

RANK 28 PVcomBank Joint-stock 2.65%6,625,000 VND in interest−2.1 pts · −VND 5.2 million/bnConditions: [GD Tại quầy] Tiền gửi tiết kiệm VND

receipt

Source: pvcombank.com.vn
Source page read at: 02:02 on 06 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): [GD Tại quầy] Tiền gửi tiết kiệm VND
Cross-check: Recorded from the bank's published page; no second source yet

RANK 29 BIDV State-owned · in branch 2.40%6,000,000 VND in interest−2.35 pts · −VND 5.9 million/bnConditions: by region…

two sources agree

Source: bidv.com.vn
Source page read at: 14:29 on 12 Aug 2026 (Vietnam time)
Channel: in branch
Interest paid: at maturity
Conditions (original, Vietnamese): region: Hà Nội & TP.HCM. Lãi suất nêu trên áp dụng đối với khách hàng cá nhân và chỉ mang tính tham khảo, có thể thay đổi tùy từng địa bàn. Để biết mức lãi suất cụ thể Quý khách hàng vui lòng liên hệ với Chi nhánh/Phòng Giao dịch BIDV trên cả nước.
Cross-check: Confirmed by a second source

RANK 30 VietinBank State-owned 2.40%6,000,000 VND in interest−2.35 pts · −VND 5.9 million/bnConditions: LÃI SUẤT HUY ĐỘNG ĐỐI VỚI CÁC KỲ HẠN · Từ 3…

receipt

Source: vietinbank.vn
Source page read at: 22:29 on 21 Aug 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): LÃI SUẤT HUY ĐỘNG ĐỐI VỚI CÁC KỲ HẠN · Từ 3 tháng đến dưới 4 tháng
Cross-check: Recorded from the bank's published page; no second source yet

RANK 31 Vietcombank State-owned · in branch 2.40%6,000,000 VND in interest−2.35 pts · −VND 5.9 million/bnConditions: type: Savings

two sources agree

Source: vietcombank.com.vn
Source page read at: 15:48 on 06 Aug 2026 (Vietnam time)
Channel: in branch
Interest paid: at maturity
Conditions (original, Vietnamese): type: Savings
Cross-check: Confirmed by a second source

RANK 32 HSBC Joint-stock 2.25%5,625,000 VND in interest−2.5 pts · −VND 6.2 million/bnConditions: Nhận Lãi Cuối Kỳ (%/năm) · Kỳ hạn VND USD…

receipt

Source: hsbc.com.vn
Source page read at: 00:48 on 21 Sep 2026 (Vietnam time)
Interest paid: at maturity
Conditions (original, Vietnamese): Nhận Lãi Cuối Kỳ (%/năm) · Kỳ hạn VND USD EUR GBP AUD CAD JPY HKD SGD · đọc từ PDF theo cột VND, dòng gốc: 3 tháng 2.25 0.00 0.00 0.40 0.50 0.50 0.00 0.00 0.00
Cross-check: Recorded from the bank's published page; no second source yet

ACB is paying the highest 3-month rate: 4.75%/yr.
The spread between the highest and the lowest rate is 2.5 percentage points — on VND 1 billion deposited for a 3-month term that gap is worth VND 6 million in interest.
5/32 banks pay their top rate only for deposits made in the app — over the counter is usually lower.
Mức được chào thực tế cao hơn mốc theo bảng báo đăng tới 1.05 điểm phần trăm (GPBank) — xem cột thị trường.

03 From the rate tables the press publishes daily

7 banks whose own published page we cannot yet read. Not ranked with the rest.

See the press-source layer tables compiled by the press; the banks' own pages could not be read

Unit: %/yr
Channel: Online
Interest paid: At maturity
Sorted by: Bank name

3-month press-sourced rates for 7 banks with no official published source
Bank	Interest rates	Source label	Source
Bac A Bank Joint-stock	4.75	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
GPBank Recent compulsory transfer	3.70	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
KienlongBank Joint-stock	4.20	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
SCB Joint-stock	1.90	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
VIB Joint-stock	4.45	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
VietABank Joint-stock	4.75	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read
Vikki Bank Recent compulsory transfer	4.70	press sources read 03:29 on 25 Sep 2026 (Vietnam time)	press sources Source vietnamnet.vn Source page read at 03:29 on 25 Sep 2026 (Vietnam time) Cross-check Table compiled by the press — the bank's own published page could not be read

Bac A Bank Joint-stock · press sources 4.75% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

GPBank Recent compulsory transfer · press sources 3.70% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

KienlongBank Joint-stock · press sources 4.20% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

SCB Joint-stock · press sources 1.90% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

VIB Joint-stock · press sources 4.45% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

VietABank Joint-stock · press sources 4.75% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

Vikki Bank Recent compulsory transfer · press sources 4.70% read 25 Sep · 03:29

press sources

Source: vietnamnet.vn
Source page read at: 03:29 on 25 Sep 2026 (Vietnam time)
Cross-check: Table compiled by the press — the bank's own published page could not be read

04 Market rates — every deposit tier

Records that passed the checks: bank matched, a clear number, inside a 14-day window. Banks do not publish these rates on their official pages.

See the market rates every deposit tier, with confidence label, source and read time

Unit: %/yr
Coverage: 10 rows
Deposit tier: Per record

Market rates recorded by the survey, with region and time read
Bank	Market rate	Date	Time
GPBankplus 8 more	4.75	30 Sep	17:43
HDBankplus 1 more	4.70	06 Oct	17:42
VietBankplus 1 more	4.80	05 Oct	14:28
SHBplus 4 more	4.75	01 Oct	09:23
VPBank	4.75	05 Oct	14:14
PVcomBank	4.75	08 Oct	18:08
MB	4.75	01 Oct	09:22
NCB	4.75	07 Oct	22:28
Sacombank	4.75	06 Oct	16:50
TPBankplus 1 more	4.75	02 Oct	16:12

05 Three things the percentage does not tell you

Three things to check before you choose minimum deposit · deposit channel · how interest is paid

At the same 4.75%, what you actually receive still differs. Before you choose, check the three things every rate table leaves to its footnotes:

Does the rate require a minimum deposit?

32/32 banks at the 3-month term attach a condition to their top rate — many pay it only on deposits from VND 300 million or VND 1 billion upwards. The T&C mark beside a number in the table above flags each case; tap or hover it to read the bank's own wording.

Does it apply online or at the counter?

5/32 banks in the 3-month table pay their top rate only through the app. Depositing at the counter is typically 0.1 to 0.4 percentage points lower; at this term alone, the gap between the highest and the lowest bank already runs to 2.5 percentage points.

Interest at maturity or monthly?

The table above shows rates paid at maturity. Taking the interest monthly gives a slightly smaller total in exchange for a steady cash flow. Break the term early and most banks pay only the demand rate — around 0.1%/yr for the whole time on deposit — so a 3-month term only pays off if you will not need the money before it matures.

The 3-month term against the other terms

This is the trade-off worth weighing: each row below sets the best rate in the whole table at that term against the best rate at the 3-month term (4.75%/yr, ACB). A longer term usually pays more but locks the money up for longer; break it early and that extra interest is lost.

The best 3-month rate compared with the other terms
Term	Highest	Bank	vs 3mo
1 months	4.75	ACB	0.00
6 months	7.20	OCB	+2.45
9 months	7.20	Sacombank	+2.45
12 months	7.50	Sacombank	+2.75
13 months	7.90	Saigonbank	+3.15

Work out the interest on your own amount · See every term

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