Data edition 08 Oct 2026
Interest rates SHB
Ngân hàng TMCP Sài Gòn - Hà Nội
Market rate
Highest market rate · 12 months · recorded 04 Oct
9.50%/yr +3 pts
86,000,000–95,000,000 VND in interest at maturity
if the bank applies this rate to your VND 1 billion deposit
- Deposit tier
- not stated
- Region
- not stated
- Source
- Multi-source survey · sources: 5 · read 04 Oct · 21:26
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
6.50%/yr
65,000,000 VND in interest at maturity
above 2,500,000 VND compared with the market median (6.25%/yr)
A deposit of VND 1 billion · 12 months · interest paid at maturity · cross-checked against shb.com.vn
Mức niêm yết cao nhất của SHB hôm nay là 6.50%/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 65,000,000 đ tiền lãi.
Cross-checked at source: shb.com.vn .
- 3-month term
- 4.65%/yr 0.04 pts below the market median
- 6-month term
- 6.20%/yr 0.1 pts above the market median
- 12-month term
- 6.50%/yr 0.25 pts above the market median
Term curve
The highest rate SHB publishes at each term · vertical axis 4.6–6.6 %/yr · horizontal axis ordered by term
How much interest would you earn at SHB?
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 · 6.50%
- 100,000,000 VND
- +6,500,000 VND
- 500,000,000 VND
- +32,500,000 VND
- 1,000,000,000 VND
- +65,000,000 VND
Another amount: open the interest calculator →
01 Market rates actually quoted at SHB
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 — SHB 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.
30 rows can be matched against the rate SHB 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 | 01 Oct | 09:23 |
| 1 month | 4.75 | 29 Sep | 14:26 |
| 2 months | 4.75 | 01 Oct | 09:23 |
| 2 months | 4.75 | 29 Sep | 14:26 |
| 3 months | 4.75 | 07 Oct | 19:46 |
| 3 months | 4.75 | 02 Oct | 16:12 |
| 3 months | 4.75 | 07 Oct | 10:08 |
| 3 months | 4.75 | 01 Oct | 09:23 |
| 3 months | 4.70 | 04 Oct | 21:26 |
| 4 months | 4.75 | 29 Sep | 14:26 |
| 5 months | 4.75 | 29 Sep | 14:26 |
| 6 months | 9.22 | 01 Oct | 10:00 |
| 6 months | 9.50 | 04 Oct | 21:26 |
| 6 months | 9.20 | 07 Oct | 09:47 |
| 6 months | 9.20 | 01 Oct | 10:01 |
| 7 months | 9.22 | 01 Oct | 10:00 |
| 7 months | 9.20 | 01 Oct | 10:01 |
| 8 months | 9.22 | 01 Oct | 10:00 |
| 8 months | 9.20 | 01 Oct | 10:01 |
| 9 months | 9.22 | 01 Oct | 10:00 |
| 9 months | 9.20 | 01 Oct | 10:01 |
| 10 months | 9.22 | 01 Oct | 10:00 |
| 10 months | 9.20 | 01 Oct | 10:01 |
| 11 months | 9.22 | 01 Oct | 10:00 |
| 11 months | 9.20 | 01 Oct | 10:01 |
| 12 months | 9.22 | 01 Oct | 10:00 |
| 12 months | 9.50 | 04 Oct | 21:26 |
| 12 months | 9.30 | 08 Oct | 08:48 |
| 12 months | 9.30 | 05 Oct | 10:24 |
| 12 months | 9.20 | 07 Oct | 09:47 |
A further 11 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 | 9.20conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 10:00 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 11:03 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 01 Oct | 09:23 |
| not stated | 9.22 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 16:21 |
| not stated | 9.32 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 11:32 |
| not stated | 9.66 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:33 |
| not stated | 9.22 | the post states no term — it cannot be cross-checked against a published rate | 01 Oct | 11:48 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.22 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 09:59 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 05 Oct | 10:11 |
| not stated | 9.60 | the post states no term — it cannot be cross-checked against a published rate | 05 Oct | 21:17 |
02 SHB 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 17 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.
Full rate sheet 17 rows · every channel, payout option and condition
| Term | Interest rates | Channel | Interest paid | Conditions | Source |
|---|---|---|---|---|---|
| 1 month | 4.60 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 2 months | 4.60 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 3 months | 4.65 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 4 months | 4.65 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 5 months | 4.65 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 6 months | 6.20 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 7 months | 6.20 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 8 months | 6.20 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 9 months | 6.40 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 10 months | 6.40 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 11 months | 6.40 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 12 months | 6.50 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 13 months | 6.50 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 15 months | 6.60 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 18 months | 6.60 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 24 months | 6.70 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
| 36 months | 6.70 | — | at maturity | Kỳ hạn 3T 6T 9T 12T 13T 18T 24T 36T · read… | receipt
|
- SHB pays 6.5%/yr on the 12-month term.
- SHB publishes 17 terms, from 1 to 36 months.
- SHB's base lending rate is 9.7%/yr — this is the rate the floating interest is computed from once the promotional period ends, plus a margin of 3–4%/yr.
- Gap between the base lending rate and the 12-month deposit rate: 3.2 percentage points.
03 SHB loan rates
Only rates for individual customers are shown. Banks list several rates by customer segment and drawdown date, so the table below gives a range rather than a single figure.
| Rate type | Rate | Notes | Source |
|---|---|---|---|
| Reference rate | 6.1–9.7 | 8 published rates · thời hạn cho vay/kỳ hạn vay > 12 tháng thì… | receipt
|
The base rate is what the floating rate is computed from once the promotional period ends, plus a spread of usually 3–4%/yr. That is the number that decides the cost of a long-term loan, not the first-year promotional rate the bank advertises.
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% MB 6.40% NCB 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
The figures are collected automatically from SHB's own published pages and checked against a rule set before publication. We are not affiliated with SHB and take no commission from the bank. See how we collect these numbers.