Data edition 08 Oct 2026
Interest rates NCB
Ngân hàng TMCP Quốc Dân
Market rate
Highest market rate · 12 months · TP.HCM · recorded 08 Oct
9.65%/yr +3.25 pts
94,000,000–96,500,000 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 08 Oct · 09:57
The bank does not publish this rate on its official site — this is a market rate, not a published rate.
Published rates
Highest published rate · 12 months
6.40%/yr
64,000,000 VND in interest at maturity
above 1,500,000 VND compared with the market median (6.25%/yr)
A deposit of VND 1 billion · 12 months · interest paid at maturity · cross-checked against ncb-bank.vn
Mức niêm yết cao nhất của NCB hôm nay là 6.40%/năm, kỳ hạn 12 tháng. Trung vị thị trường cùng kỳ hạn là 6.25%/năm. Gửi 1 tỷ đồng 12 tháng ở mức này nhận khoảng 64,000,000 đ tiền lãi.
Cross-checked at source: ncb-bank.vn .
- 3-month term
- 4.75%/yr 0.06 pts above the market median
- 6-month term
- 6.20%/yr 0.1 pts above the market median
- 12-month term
- 6.40%/yr 0.15 pts above the market median
Term curve
The highest rate NCB publishes at each term · vertical axis 4.7–6.8 %/yr · horizontal axis ordered by term
How much interest would you earn at NCB?
Simple interest, paid at maturity, using the highest rate at each term in the sheet.
6-month term · 6.20%
- 100,000,000 VND
- +3,100,000 VND
- 500,000,000 VND
- +15,500,000 VND
- 1,000,000,000 VND
- +31,000,000 VND
12-month term · 6.40%
- 100,000,000 VND
- +6,400,000 VND
- 500,000,000 VND
- +32,000,000 VND
- 1,000,000,000 VND
- +64,000,000 VND
Another amount: open the interest calculator →
01 Market rates actually quoted at NCB
Only records that clear the automated gate appear here — the bank identified, the figure explicit, the post still inside the 14-day window. These are the rates depositors and bank staff share publicly — NCB does not publish this rate on its own site — so they sit in a separate evidence layer and are never mixed into the published rates above.
92 rows can be matched against the rate NCB publishes for the same term. Each row states the deposit tier, the region, the confidence label and the time the post was read.
| Term | Market rate | Date | Time |
|---|---|---|---|
| 1 month | 4.75 | 07 Oct | 22:04 |
| 1 month | 4.75 | 07 Oct | 22:28 |
| 1 month | 4.75 | 07 Oct | 22:29 |
| 1 month | 4.75 | 04 Oct | 21:11 |
| 1 month | 4.75 | 07 Oct | 22:04 |
| 1 month | 4.75 | 07 Oct | 22:28 |
| 1 month | 4.75 | 07 Oct | 22:29 |
| 1 month | 4.75 | 04 Oct | 21:11 |
| 1 month | 4.75 | 07 Oct | 22:04 |
| 1 month | 4.75 | 08 Oct | 09:57 |
| 1 month | 4.75 | 05 Oct | 21:11 |
| 1 month | 4.75 | 07 Oct | 22:29 |
| 1 month | 4.75 | 04 Oct | 21:11 |
| 3 months | 4.75 | 07 Oct | 22:28 |
| 5 months | 4.75 | 07 Oct | 22:04 |
| 5 months | 4.75 | 06 Oct | 21:13 |
| 5 months | 4.75 | 04 Oct | 21:11 |
| 5 months | 4.75 | 07 Oct | 22:04 |
| 5 months | 4.75 | 06 Oct | 21:13 |
| 5 months | 4.75 | 04 Oct | 21:11 |
| 5 months | 4.75 | 07 Oct | 22:04 |
| 5 months | 4.75 | 06 Oct | 21:13 |
| 5 months | 4.75 | 04 Oct | 21:11 |
| 6 months | 9.55 | 07 Oct | 22:04 |
| 6 months | 9.50 | 02 Oct | 21:47 |
| 6 months | 9.50 | 07 Oct | 15:12 |
| 6 months | 9.60 | 07 Oct | 12:20 |
| 6 months | 10.00 | 05 Oct | 09:59 |
| 6 months | 9.60conditional maximum | 08 Oct | 08:53 |
| 6 months | 9.50 | 07 Oct | 10:40 |
| 6 months | 9.50 | 07 Oct | 22:28 |
| 6 months | 9.55 | 07 Oct | 22:11 |
| 6 months | 9.45 | 04 Oct | 21:11 |
| 6 months | 9.50 | 07 Oct | 18:05 |
| 6 months | 9.50 | 08 Oct | 18:42 |
| 6 months | 9.50 | 07 Oct | 14:07 |
| 6 months | 9.40 | 30 Sep | 23:50 |
| 6 months | 9.60 | 07 Oct | 22:04 |
| 6 months | 9.60 | 07 Oct | 22:11 |
| 6 months | 9.50 | 04 Oct | 21:11 |
| 6 months | 9.65 | 07 Oct | 18:47 |
| 6 months | 9.60 | 08 Oct | 09:57 |
| 6 months | 9.55 | 05 Oct | 21:11 |
| 6 months | 9.50 | 08 Oct | 18:22 |
| 6 months | 9.50 | 07 Oct | 22:11 |
| 6 months | 9.40 | 04 Oct | 21:11 |
| 7 months | 9.60conditional maximum | 02 Oct | 22:32 |
| 8 months | 9.60 | 07 Oct | 22:04 |
| 8 months | 9.60conditional maximum | 02 Oct | 22:32 |
| 8 months | 9.50 | 07 Oct | 22:28 |
| 8 months | 9.55 | 06 Oct | 21:13 |
| 8 months | 9.45 | 04 Oct | 21:11 |
| 8 months | 9.65 | 07 Oct | 22:04 |
| 8 months | 9.60 | 06 Oct | 21:13 |
| 8 months | 9.50 | 04 Oct | 21:11 |
| 8 months | 9.55 | 07 Oct | 22:04 |
| 8 months | 9.50 | 06 Oct | 21:13 |
| 8 months | 9.40 | 04 Oct | 21:11 |
| 9 months | 9.60conditional maximum | 02 Oct | 22:32 |
| 10 months | 9.60conditional maximum | 02 Oct | 22:32 |
| 11 months | 9.60conditional maximum | 02 Oct | 22:32 |
| 12 months | 9.60 | 07 Oct | 22:04 |
| 12 months | 9.55 | 02 Oct | 21:47 |
| 12 months | 9.55 | 07 Oct | 10:47 |
| 12 months | 9.65 | 07 Oct | 12:20 |
| 12 months | 9.65 | 08 Oct | 08:53 |
| 12 months | 9.55 | 07 Oct | 10:40 |
| 12 monthsplus 1 more | 9.50 | 07 Oct | 22:28 |
| 12 months | 9.60 | 06 Oct | 21:13 |
| 12 months | 9.50 | 04 Oct | 21:11 |
| 12 months | 9.55 | 07 Oct | 18:05 |
| 12 months | 9.55 | 08 Oct | 18:42 |
| 12 months | 9.55 | 07 Oct | 14:07 |
| 12 months | 9.45 | 30 Sep | 23:50 |
| 12 months | 9.65 | 07 Oct | 22:04 |
| 12 months | 9.60 | 07 Oct | 22:28 |
| 12 months | 9.65 | 07 Oct | 22:29 |
| 12 months | 9.55 | 04 Oct | 21:11 |
| 12 months | 9.65 | 08 Oct | 09:57 |
| 12 months | 9.65 | 08 Oct | 18:15 |
| 12 months | 9.60 | 05 Oct | 21:11 |
| 12 months | 9.55 | 08 Oct | 18:22 |
| 12 months | 9.55 | 07 Oct | 22:11 |
| 12 months | 9.45 | 04 Oct | 21:11 |
| 13 months | 9.65 | 07 Oct | 12:20 |
| 13 months | 9.65 | 08 Oct | 08:53 |
| 13 months | 9.45 | 07 Oct | 10:40 |
| 13 months | 9.45 | 08 Oct | 09:19 |
| 13 months | 9.65 | 08 Oct | 16:13 |
| 13 months | 9.60 | 05 Oct | 09:04 |
| 24 months | 9.45 | 04 Oct | 20:57 |
A further 12 rows clear the gate but cannot yet be matched against the published rate sheet: the term or a necessary condition is missing.
| Term | Market rate | Not cross-checked because | Date | Time |
|---|---|---|---|---|
| not stated | 9.65conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 18:14 |
| not stated | 9.55 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 18:20 |
| not stated | 9.55conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 18:00 |
| not stated | 9.65 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 11:17 |
| not stated | 9.60 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 17:38 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 14:12 |
| not stated | 9.55 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:38 |
| not stated | 9.60 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:38 |
| not stated | 9.60 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:38 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 26 Sep | 18:06 |
| not stated | 10.30 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 12:27 |
| not stated | 9.45 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 21:43 |
02 NCB savings rates
One term can carry several different rates depending on the deposit channel, the payout option, the deposit tier and the customer group. The table keeps all 74 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.
Full rate sheet 74 rows · every channel, payout option and condition
| Term | Interest rates | Channel | Interest paid | Conditions | Source |
|---|---|---|---|---|---|
| 1 month | 4.70 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 4.60 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 4.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 4.40 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 2 months | 4.75 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 4.70 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 4.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 4.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 3 months | 4.75 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 4.70 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 4.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 4 months | 4.75 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 4.70 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5 months | 4.75 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 7 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 8 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 9 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 10 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 11 months | 6.20 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.10 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.00 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 5.90 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 12 months | 6.40 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.30 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.20 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.10 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 13 months | 6.50 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.40 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.30 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.20 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 15 months | 6.60 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.50 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.40 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.30 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 18 months | 7.00 | — | at maturity | LSNY Chứng chỉ tiền gửi An Phát Lộc (*)… | receipt
|
| 6.70 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
|
| 6.60 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.40 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 24 months | 7.20 | — | at maturity | LSNY Chứng chỉ tiền gửi An Phát Lộc (*)… | receipt
|
| 6.80 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
|
| 6.70 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 30 months | 6.80 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.70 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 36 months | 6.80 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.70 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 48 months | 6.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 60 months | 6.80 | — | at maturity | TIẾT KIỆM AN PHÚ · read from the PDF… | receipt
|
| 6.70 | — | at maturity | TIẾT KIỆM TRUYỀN THỐNG · read from the PDF… | receipt
|
|
| 6.60 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
|
| 6.50 | — | at maturity | Tiết kiệm Rút gốc linh hoạt (VND) · read… | receipt
|
- NCB pays 6.4%/yr on the 12-month term.
- NCB publishes 20 terms, from 1 to 60 months.
03 NCB loan rates
We have not been able to read NCB's loan rate sheet. Banks are not required to publish loan rates, and most only say "attractive rates" and invite a phone call. See the loan rate table for all banks →
Lãi suất ngân hàng khác
Mức niêm yết cao nhất kỳ hạn 12 tháng, xếp từ cao xuống thấp.
Sacombank 7.50% OCB 7.40% LPBank 7.20% Saigonbank 7.20% UOB 7.20% Bac A Bank 7.10% PGBank 7.10% MBV 7.00% BVBank 6.90% VCBNeo 6.80% CIMB 6.60% Nam A Bank 6.60% Public Bank 6.60% SHB 6.50% MB 6.40% Techcombank 6.25% VPBank 6.25% VietABank 6.10% VietBank 6.10% Vikki Bank 6.10% ABBANK 6.05% HDBank 5.95% ACB 5.90% Agribank 5.90% BIDV 5.90% TPBank 5.90% Vietcombank 5.90% VietinBank 5.90% HSBC 5.75% Standard Chartered 5.75% GPBank 5.55% KienlongBank 5.50% PVcomBank 5.30% Eximbank 5.00% SeABank 4.80% SCB 3.70% MSB Shinhan Bank VIB
NCB priority banking requirements
NCB Priority — Gold / Platinum / Diamond / Private
—No public threshold found
5 đặc quyền
- Cộng lãi suất tiết kiệm tới 1,9%; giảm lãi vay tới 0,5%
- Thẻ tín dụng hạn mức phê duyệt trước tới 400 triệu, miễn phí thường niên trọn đời cho hội viên; thẻ ghi nợ miễn phí thường niên trọn đời
- Phòng chờ thương gia không giới hạn (hạng Gold–Private, qua chương trình Sun PhuQuoc Airways tới 31/12/2026)
- Golf giảm tới 30% (sân Ba Na Hills); khách sạn Sun Hospitality giảm 5–20%; ẩm thực, spa
- Hạn mức chuyển tiền số 10 tỷ/giao dịch, 20 tỷ/ngày; ưu tiên chuyển tiền quốc tế
Secondary source · Source · checked 18 Sep 2026
The figures are collected automatically from NCB's own published pages and checked against a rule set before publication. We are not affiliated with NCB and take no commission from the bank. See how we collect these numbers.