Data edition 03 Oct 2026 · read 6 days ago
Interest rates Vietcombank
Ngân hàng TMCP Ngoại thương Việt Nam
Market rate
Highest market rate · 12 months · recorded 03 Oct
9.36%/yr +3.46 pts
90,800,000–93,600,000 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
- Inferred from a shorter term · sources: 1 · read 03 Oct · 21:32
This 12-month rate is INFERRED from the same bank's 9.36%/yr at 6 months, recorded 03 Oct. At 12 months itself, only 9.08%/yr has been observed, on 03 Oct. Read it as a FLOOR to ask about, not a rate anyone has quoted.
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
in branch
5.90%/yr
59,000,000 VND in interest at maturity
below 3,500,000 VND compared with the market median (6.25%/yr)
A deposit of VND 1 billion · 12 months · interest paid at maturity · cross-checked against vietcombank.com.vn
Mức niêm yết cao nhất của Vietcombank hôm nay là 5.90%/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 59,000,000 đ tiền lãi.
Cross-checked at source: vietcombank.com.vn .
- 3-month term
- 2.40%/yr 2.29 pts below the market median
- 6-month term
- 3.50%/yr 2.6 pts below the market median
- 12-month term
- 5.90%/yr 0.35 pts below the market median
Term curve
The highest rate Vietcombank publishes at each term · vertical axis 2.1–5.9 %/yr · horizontal axis ordered by term
How much interest would you earn at Vietcombank?
Simple interest, paid at maturity, using the highest rate at each term in the sheet.
6-month term · 3.50%
- 100,000,000 VND
- +1,750,000 VND
- 500,000,000 VND
- +8,750,000 VND
- 1,000,000,000 VND
- +17,500,000 VND
12-month term · 5.90%
- 100,000,000 VND
- +5,900,000 VND
- 500,000,000 VND
- +29,500,000 VND
- 1,000,000,000 VND
- +59,000,000 VND
Another amount: open the interest calculator →
01 Market rates actually quoted at Vietcombank
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 — Vietcombank 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.
3 rows can be matched against the rate Vietcombank 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 |
|---|---|---|---|
| 6 months | 9.36 | 03 Oct | 21:32 |
| 12 monthsplus 1 more | 9.36 | 03 Oct | 21:32 |
A further 1 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 | 8.00conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 20:56 |
02 Vietcombank 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 30 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.
Full rate sheet 30 rows · every channel, payout option and condition
| Term | Interest rates | Channel | Interest paid | Conditions | Source |
|---|---|---|---|---|---|
| No fixed term | 0.20 | in branch | at maturity | type: Savings… | two sources agree
|
| 0.20 | in branch | at maturity | type: Savings… | two sources agree
|
|
| 0.20 | online | at maturity | type: Online… | two sources agree
|
|
| 0.10 | in branch | at maturity | type: Savings | two sources agree
|
|
| 1 month | 2.10 | in branch | at maturity | type: Savings | two sources agree
|
| 2.10 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 2.10 | online | at maturity | type: Online | two sources agree
|
|
| 2 months | 2.10 | in branch | at maturity | type: Savings | two sources agree
|
| 2.10 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 3 months | 2.40 | in branch | at maturity | type: Savings | two sources agree
|
| 2.40 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 2.40 | online | at maturity | type: Online | two sources agree
|
|
| 6 months | 3.50 | in branch | at maturity | type: Savings | two sources agree
|
| 3.50 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 3.50 | online | at maturity | type: Online | two sources agree
|
|
| 9 months | 3.50 | in branch | at maturity | type: Savings | two sources agree
|
| 3.50 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 3.50 | online | at maturity | type: Online | two sources agree
|
|
| 12 months | 5.90 | in branch | at maturity | type: Savings | two sources agree
|
| 5.90 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 5.90 | online | at maturity | type: Online | two sources agree
|
|
| 24 months | 6.00 | in branch | at maturity | type: Savings | two sources agree
|
| 6.00 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 6.00 | online | at maturity | type: Online | two sources agree
|
|
| 36 months | 5.30 | in branch | at maturity | type: Savings | two sources agree
|
| 5.30 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 48 months | 5.30 | in branch | at maturity | type: Savings | two sources agree
|
| 5.30 | in branch | at maturity | type: FixedDeposit | two sources agree
|
|
| 60 months | 5.30 | in branch | at maturity | type: Savings | two sources agree
|
| 5.30 | in branch | at maturity | type: FixedDeposit | two sources agree
|
- Vietcombank pays 5.9%/yr on the 12-month term.
- Vietcombank publishes 10 terms, from 1 to 60 months.
03 Vietcombank 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 |
|---|---|---|---|
| Average lending rate | 7.5 | Lãi suất cho vay bình quân kỳ tháng… | 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.
Vietcombank priority banking requirements
Vietcombank Priority (4 hạng: Diamond Elite / Diamond / Gold / Titan)
—No public threshold found
5 đặc quyền
- phòng chờ riêng Vietcombank Priority Lounge tại Nội Bài T1, Đà Nẵng, Tân Sơn Nhất T3 + 30+ phòng chờ đối tác nội địa
- hotline riêng 24/7 1800 1565
- khu giao dịch ưu tiên tại chi nhánh
- ưu đãi lãi suất, phí
- sản phẩm độc quyền thẻ Visa Infinite (hạng Diamond Elite/Diamond)
Verified · Source · published 19 Dec 2025 · checked 18 Sep 2026
The figures are collected automatically from Vietcombank's own published pages and checked against a rule set before publication. We are not affiliated with Vietcombank and take no commission from the bank. See how we collect these numbers.