Data edition 08 Oct 2026
Interest rates VPBank
Ngân hàng TMCP Việt Nam Thịnh Vượng
Market rate
Highest market rate · 12 months · recorded 08 Oct
9.60%/yr +3.35 pts
89,000,000–96,000,000 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
- Inferred from a shorter term · sources: 27 · read 08 Oct · 13:06
This 12-month rate is INFERRED from the same bank's 9.60%/yr at 6 months, recorded 08 Oct. At 12 months itself, only 9.50%/yr has been observed, on 07 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
6.25%/yr
62,500,000 VND in interest at maturity
level with 0 VND compared with the market median (6.25%/yr)
A deposit of VND 1 billion · 12 months · interest paid at maturity · cross-checked against vpbank.com.vn
Mức niêm yết cao nhất của VPBank hôm nay là 6.25%/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 62,500,000 đ tiền lãi.
Cross-checked at source: vpbank.com.vn .
- 3-month term
- 4.65%/yr 0.04 pts below the market median
- 6-month term
- 6.25%/yr 0.15 pts above the market median
- 12-month term
- 6.25%/yr level with the market median
Term curve
The highest rate VPBank publishes at each term · vertical axis 4.45–6.25 %/yr · horizontal axis ordered by term
How much interest would you earn at VPBank?
Simple interest, paid at maturity, using the highest rate at each term in the sheet.
6-month term · 6.25%
- 100,000,000 VND
- +3,125,000 VND
- 500,000,000 VND
- +15,625,000 VND
- 1,000,000,000 VND
- +31,250,000 VND
12-month term · 6.25%
- 100,000,000 VND
- +6,250,000 VND
- 500,000,000 VND
- +31,250,000 VND
- 1,000,000,000 VND
- +62,500,000 VND
Another amount: open the interest calculator →
01 Market rates actually quoted at VPBank
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 — VPBank 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.
89 rows can be matched against the rate VPBank 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 | 04 Oct | 21:23 |
| 1 month | 4.75 | 04 Oct | 21:23 |
| 1 month | 4.75 | 04 Oct | 21:23 |
| 1 month | 4.75 | 05 Oct | 14:14 |
| 2 months | 4.75 | 05 Oct | 14:14 |
| 3 months | 4.75 | 05 Oct | 14:14 |
| 4 months | 4.75 | 05 Oct | 14:14 |
| 5 months | 4.75 | 04 Oct | 21:23 |
| 5 months | 4.75 | 04 Oct | 21:23 |
| 5 months | 4.75 | 04 Oct | 21:23 |
| 5 months | 4.75 | 05 Oct | 14:14 |
| 6 months | 9.30 | 04 Oct | 21:34 |
| 6 months | 9.10 | 07 Oct | 21:45 |
| 6 months | 9.40 | 07 Oct | 15:42 |
| 6 months | 8.90 | 06 Oct | 21:02 |
| 6 months | 9.20 | 07 Oct | 08:30 |
| 6 months | 9.20 | 04 Oct | 21:34 |
| 6 months | 9.00 | 06 Oct | 21:02 |
| 6 months | 9.02 | 08 Oct | 19:05 |
| 6 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 6 months | 9.10 | 08 Oct | 18:16 |
| 6 months | 9.10 | 05 Oct | 14:32 |
| 6 months | 9.30 | 06 Oct | 21:02 |
| 6 months | 9.50 | 07 Oct | 13:00 |
| 6 months | 9.10 | 06 Oct | 06:35 |
| 6 months | 9.40 | 06 Oct | 19:26 |
| 6 months | 9.20 | 06 Oct | 21:02 |
| 6 months | 9.00 | 04 Oct | 21:23 |
| 6 months | 9.40 | 06 Oct | 21:02 |
| 6 months | 9.60 | 08 Oct | 13:06 |
| 6 months | 9.20 | 02 Oct | 11:25 |
| 7 months | 9.40 | 07 Oct | 15:42 |
| 7 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 7 months | 9.20 | 07 Oct | 21:39 |
| 7 months | 9.40 | 06 Oct | 19:26 |
| 7 months | 9.50 | 07 Oct | 18:35 |
| 8 months | 9.40 | 07 Oct | 15:42 |
| 8 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 8 months | 9.20 | 07 Oct | 21:39 |
| 8 months | 9.40 | 06 Oct | 19:26 |
| 8 months | 9.50 | 07 Oct | 18:35 |
| 9 months | 9.40 | 07 Oct | 15:42 |
| 9 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 9 monthsplus 1 more | 9.50 | 07 Oct | 13:00 |
| 9 months | 9.40 | 06 Oct | 19:26 |
| 9 monthsplus 1 more | 9.60 | 08 Oct | 13:06 |
| 10 months | 9.40 | 07 Oct | 15:42 |
| 10 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 10 months | 9.20 | 07 Oct | 21:39 |
| 10 months | 9.40 | 06 Oct | 19:26 |
| 10 months | 9.50 | 07 Oct | 18:35 |
| 11 months | 9.40 | 07 Oct | 15:42 |
| 11 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 11 months | 9.20 | 07 Oct | 21:40 |
| 11 months | 9.40 | 06 Oct | 19:26 |
| 11 months | 9.50 | 07 Oct | 18:35 |
| 12 months | 9.30 | 04 Oct | 21:34 |
| 12 months | 9.20 | 07 Oct | 21:45 |
| 12 months | 9.40 | 07 Oct | 15:42 |
| 12 months | 8.90 | 06 Oct | 21:02 |
| 12 months | 9.30 | 07 Oct | 08:30 |
| 12 months | 9.20 | 04 Oct | 21:34 |
| 12 months | 9.00 | 06 Oct | 21:02 |
| 12 months | 9.12 | 08 Oct | 19:05 |
| 12 months | 9.50conditional maximum | 08 Oct | 19:13 |
| 12 months | 9.20 | 07 Oct | 07:45 |
| 12 months | 9.20 | 06 Oct | 10:55 |
| 12 months | 9.30 | 06 Oct | 21:02 |
| 12 monthsplus 1 more | 9.50 | 07 Oct | 13:00 |
| 12 months | 9.20 | 06 Oct | 06:35 |
| 12 months | 9.40 | 06 Oct | 19:26 |
| 12 months | 9.20 | 08 Oct | 18:21 |
| 12 months | 9.40 | 06 Oct | 21:02 |
| 12 months | 9.20 | 06 Oct | 15:59 |
| 12 monthsplus 1 more | 9.60 | 08 Oct | 13:06 |
| 12 months | 9.20 | 07 Oct | 17:41 |
| 12 months | 9.10 | 04 Oct | 21:07 |
| 13 months | 9.40 | 07 Oct | 15:42 |
| 13 months | 8.70 | 04 Oct | 21:23 |
| 13 months | 9.30 | 07 Oct | 21:40 |
| 13 months | 9.40 | 06 Oct | 19:26 |
| 13 months | 8.70 | 04 Oct | 21:23 |
| 13 months | 8.60 | 04 Oct | 21:23 |
| 13 months | 9.40 | 05 Oct | 21:08 |
| 36 months | 8.70 | 06 Oct | 21:05 |
A further 39 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 | 9.90 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 21:40 |
| not stated | 9.10conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:11 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:15 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 19:01 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 21:11 |
| not stated | 9.40conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 18:24 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 19:53 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:12 |
| not stated | 9.00 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:15 |
| not stated | 9.50conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 18:25 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 10:55 |
| not stated | 9.00 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 21:42 |
| not stated | 9.60 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 11:23 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 21:09 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 21:09 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 09:59 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 09:38 |
| not stated | 8.90 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:15 |
| not stated | 9.50conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 21:45 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:15 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 19:01 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 19:26 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 19:26 |
| not stated | 9.02 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 18:20 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 08 Oct | 18:59 |
| not stated | 9.40conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 28 Sep | 09:42 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 28 Sep | 09:42 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 28 Sep | 09:42 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 28 Sep | 09:42 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 28 Sep | 09:42 |
| not stated | 9.70 | the post states no term — it cannot be cross-checked against a published rate | 30 Sep | 11:32 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 11:26 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 05 Oct | 12:55 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 01 Oct | 10:37 |
| not stated | 9.40conditional maximum | the post states no term — it cannot be cross-checked against a published rate | 05 Oct | 17:44 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 07:15 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 01 Oct | 10:41 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 21:37 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 20:58 |
02 VPBank 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 32 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.
Full rate sheet 32 rows · every channel, payout option and condition
| Term | Interest rates | Channel | Interest paid | Conditions | Source |
|---|---|---|---|---|---|
| 1 month | 4.45 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 2 months | 4.45 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 3 months | 4.65 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 4 months | 4.65 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5 months | 4.65 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 6 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 6.20 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 7 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 8 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 6.15 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 9 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 6.15 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 10 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5.87 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 11 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 12 months | 6.25 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 6.16 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 6.11 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 13 months | 6.00 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 15 months | 5.80 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5.64 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 18 months | 5.80 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5.60 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 5.44 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 24 months | 5.80 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5.64 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 5.56 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 5.53 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 36 months | 5.35 | — | at maturity | read from the PDF by vision; two passes… | receipt
|
| 5.09 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 5.02 | — | periodic | read from the PDF by vision; two passes… | receipt
|
|
| 4.99 | — | periodic | read from the PDF by vision; two passes… | receipt
|
- VPBank pays 6.25%/yr on the 12-month term.
- VPBank publishes 17 terms, from 1 to 36 months.
- VPBank's base lending rate is 9.1%/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: 2.85 percentage points.
03 VPBank 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 | 9.32–10.07 | 2 published rates · Lãi suất cho vay bình quân công bố kỳ tháng… | receipt
|
| Reference rate | 7.8–10.9 | 43 published rates · đọc lớp chữ của PDF bằng model, hai lượt… | 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% SHB 6.50% MB 6.40% NCB 6.40% Techcombank 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
VPBank priority banking requirements
VPBank Private / Hội viên VPBank Diamond (chương trình Phong vị thượng lưu 2026)
—No public threshold found
5 đặc quyền
- chọn voucher nghỉ dưỡng sang trọng
- voucher ẩm thực cao cấp
- voucher khám sức khỏe toàn diện / xét nghiệm máu tại nhà
- voucher trải nghiệm golf / 3D golf
- trà chiều nhóm 4 người
Verified · Source · published 09 Apr 2026 · checked 18 Sep 2026
The figures are collected automatically from VPBank's own published pages and checked against a rule set before publication. We are not affiliated with VPBank and take no commission from the bank. See how we collect these numbers.