Data edition 08 Oct 2026

13-month savings rates

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

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Highest market rate · 13 months · recorded 05 Oct

MBV

9.90%/yr +2 pts

35,533,333–107,250,000 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: 47 · read 05 Oct · 21:02

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

Lãi suất tiết kiệm 13 tháng cao nhất hôm nay là 7.90%/năm, do Saigonbank niêm yết. Trên thị trường, mức được chào cao nhất là 9.90%/năm tại MBV, ghi nhận 05 Oct. Trung vị 20 ngân hàng là 6.28%/năm — gửi 1 tỷ đồng 13 tháng nhận khoảng 68,033,333 đ tiền lãi.

Highest-to-lowest spread: 2.55pts VND 27.6 million on every VND 1 billion held for a 13-month termmedian 6.28%/yr · 20 banks

How rates have moved

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.

01 13-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 13-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	MBV Recent compulsory transfer	9.90rate sheet not read yetplus 31 more — see all	no amount stated	—
Three source layers Survey 9.90%/yr · Multi-source survey · sources: 47 · read 05 Oct · 21:02 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 3.28–9.90% no amount stated · sources: 47 · 05 Oct · 21:02 8.93–9.50% VND 100 million–VND 300 million · sources: 7 · 03 Oct · 20:41 9.10–9.50% VND 300 million–VND 1 billion · sources: 4 · 03 Oct · 20:41 9.50% VND 100 million–VND 100 million · sources: 1 · 04 Oct · 21:25 9.50% from VND 200 million · TP.HCM · sources: 1 · 06 Oct · 20:58 · conditional maximum 9.28–9.46% from VND 1 billion · sources: 5 · 05 Oct · 21:02 8.93–9.46% from VND 5 billion · sources: 25 · 07 Oct · 22:22 9.46% from VND 10 billion · sources: 13 · 07 Oct · 22:32 8.65–9.46% from VND 10 million · sources: 12 · 07 Oct · 22:22 · conditional maximum 9.16–9.46% VND 300 million–VND 500 million · sources: 2 · 04 Oct · 21:26 8.93–9.40% VND 1 billion–VND 5 billion · sources: 26 · 03 Oct · 21:26 9.40% from VND 3 million · sources: 1 · 03 Oct · 21:28 8.45–9.38% VND 100 million–VND 1 billion · sources: 23 · 03 Oct · 20:46 8.93–9.30% from VND 100 million · sources: 3 · 05 Oct · 21:28 8.50–9.30% from VND 5 million · sources: 9 · 06 Oct · 21:03 9.16–9.28% VND 500 million–VND 1 billion · sources: 4 · 04 Oct · 21:28 9.28% VND 5 billion–VND 10 billion · sources: 2 · 04 Oct · 21:00 9.28% VND 5 million–VND 10 million · sources: 2 · 07 Oct · 21:36 9.22% VND 1 million–VND 100 million · sources: 1 · 05 Oct · 21:28 9.16% no amount stated · TP.HCM · sources: 1 · 30 Sep · 13:42 8.40–9.16% VND 1 million–VND 5 million · sources: 9 · 07 Oct · 22:22 9.16% VND 1 million–VND 3 million · sources: 1 · 03 Oct · 21:28 9.16% from VND 1 million · sources: 1 · 07 Oct · 22:05 · conditional maximum 8.93–9.11% under VND 1 billion · sources: 4 · 03 Oct · 21:26 8.93–9.00% VND 100 million–VND 500 million · sources: 4 · 03 Oct · 21:06 9.00% from VND 500 million · sources: 1 · 03 Oct · 21:06 8.93% under VND 100 million · sources: 4 · 07 Oct · 22:22 8.20–8.93% under VND 1 million · sources: 4 · 07 Oct · 21:53 8.93% under VND 1 million · sources: 4 · 07 Oct · 21:36 8.93% VND 0.1 million–VND 1 million · sources: 3 · 07 Oct · 22:22 8.93% under VND 1 billion · sources: 2 · 07 Oct · 22:32 8.76% VND 100 million–VND 1 million · sources: 1 · 03 Oct · 21:28 See every term for MBV →
2	NCB Joint-stock	9.65plus 5 more — see all	VND 1 million–2 billion	6.50 ncb-bank.vn · 19 Aug · 19:12
Three source layers Survey 9.65%/yr · Market survey · sources: 1 · read 08 Oct · 08:53 Published 6.50%/yr · ncb-bank.vn · read 19 Aug · 19:12 Press sources not in the press rate table Rates by deposit tier 9.20–9.65% VND 1 million–VND 2 billion · sources: 1 · 08 Oct · 08:53 9.30–9.65% no amount stated · sources: 2 · 08 Oct · 16:13 9.55–9.65% VND 1 million–VND 1 billion · sources: 1 · 07 Oct · 12:20 9.55–9.60% no amount stated · Hà Nội · sources: 1 · 05 Oct · 09:04 9.45% VND 1 million–VND 3 billion · sources: 1 · 07 Oct · 10:40 9.45% from VND 1 million · sources: 1 · 08 Oct · 09:19 Conditions and caveats TIẾT KIỆM AN PHÚ · read from the PDF, source line: 13 tháng 6.50 6.29 A gap of 3.15 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for NCB →
3	Sacombank Joint-stock	9.60	no amount stated	7.50 sacombank.com.vn · 21 Sep · 00:50
Three source layers Survey 9.60%/yr · Rate poster image · sources: 1 · read 04 Oct · 21:42 Published 7.50%/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: 13 tháng 7.00% 6.77% 7.30% 7.05% 7.50% 7.23% A gap of 2.10 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for Sacombank →
4	GPBank Recent compulsory transfer	9.60rate sheet not read yetplus 7 more — see all	VND 100 million–2 billion	—
Three source layers Survey 9.60%/yr · Rate poster image · sources: 1 · read 07 Oct · 22:35 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 9.60% VND 100 million–VND 2 billion · sources: 1 · 07 Oct · 22:35 9.60% from VND 2 billion · sources: 1 · 07 Oct · 22:35 9.00–9.50% no amount stated · sources: 12 · 05 Oct · 21:17 9.40% from VND 1 billion · sources: 3 · 07 Oct · 22:13 9.30% VND 500 million–VND 1 billion · sources: 2 · 05 Oct · 21:39 9.20% from VND 1 million · sources: 6 · 07 Oct · 21:48 9.00% VND 200 million–VND 500 million · sources: 2 · 05 Oct · 21:39 8.80% VND 100 million–VND 200 million · sources: 2 · 05 Oct · 21:39 See every term for GPBank →
5	Vikki Bank Recent compulsory transfer	9.60rate sheet not read yetplus 6 more — see all	no amount stated	—
Three source layers Survey 9.60%/yr · Multi-source survey · sources: 3 · read 07 Oct · 12:07 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 9.00–9.60% no amount stated · sources: 3 · 07 Oct · 12:07 9.50–9.52% from VND 500 million · sources: 1 · 03 Oct · 10:40 9.00–9.50% VND 200 million–VND 500 million · sources: 2 · 08 Oct · 09:22 9.00% from VND 200 million · sources: 1 · 03 Oct · 21:03 8.60% VND 100 million–VND 200 million · sources: 1 · 03 Oct · 21:03 8.60% from VND 100 million · sources: 1 · 03 Oct · 21:12 8.10% from VND 0.1 million · sources: 1 · 06 Oct · 21:03 See every term for Vikki Bank →
6	VPBank Joint-stock	9.40plus 6 more — see all	VND 100 million–1 billion	6.00 vpbank.com.vn · 22 Sep · 23:36
Three source layers Survey 9.40%/yr · Market survey · Hà Nội · sources: 1 · read 07 Oct · 15:42 Published 6.00%/yr · vpbank.com.vn · read 22 Sep · 23:36 Press sources not in the press rate table Rates by deposit tier 8.90–9.40% no amount stated · sources: 2 · 05 Oct · 21:08 9.40% from VND 100 million · sources: 1 · 06 Oct · 19:26 9.40% VND 100 million–VND 1 billion · Hà Nội · sources: 1 · 07 Oct · 15:42 9.30% from VND 10 million · sources: 3 · 07 Oct · 21:40 8.70% from VND 1 billion · sources: 1 · 04 Oct · 21:23 8.70% from VND 3 billion · sources: 1 · 04 Oct · 21:23 8.60% from VND 300 million · sources: 1 · 04 Oct · 21:23 Conditions and caveats read from the PDF by vision; two passes agreed A gap of 3.40 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for VPBank →
7	HDBank Joint-stock	9.28plus 5 more — see all	from VND 3 billion	6.00 cdn.hdbank.com.vn · 09 Sep · 22:08
Three source layers Survey 9.28%/yr · Rate poster image · sources: 1 · read 04 Oct · 20:57 Published 6.00%/yr · cdn.hdbank.com.vn · read 09 Sep · 22:08 Press sources not in the press rate table Rates by deposit tier 9.28% from VND 3 billion · sources: 1 · 04 Oct · 20:57 9.20–9.22% no amount stated · Hà Nội · sources: 1 · 07 Oct · 10:40 8.80–9.22% no amount stated · sources: 1 · 06 Oct · 14:30 9.16% VND 1 billion–VND 3 billion · sources: 1 · 04 Oct · 20:57 8.93% VND 100 million–VND 1 billion · sources: 1 · 04 Oct · 20:57 8.70% 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: 13 tháng 6,00 · a product on the rate sheet HDBank publishes A gap of 3.28 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for HDBank →
8	BIDV State-owned	9.20	no amount stated	5.90 in branch · bidv.com.vn · 12 Aug · 14:29
Three source layers Survey 9.20%/yr · Multi-source survey · sources: 2 · read 03 Oct · 21:03 Published 5.90%/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. State-controlled banks have the lowest cost of funds in the market, so a quote 3.30 pts above their own published sheet is almost always a conditional rate or a different product. Before treating this as the prevailing level, have the bank confirm it directly. See every term for BIDV →

Banks with no published rate at this term: 13.

01 MBV Recent compulsory transfer 9.90rate sheet not read yetplus 31 more — see allMulti-source survey05 Oct · 21:02

Sources and conditions

Applies to: no amount stated Web —
Press —
02 NCB Joint-stock 9.65plus 5 more — see allMarket survey08 Oct · 08:53

Sources and conditions

Applies to: VND 1 million–2 billion Web 6.50 · ncb-bank.vn · 19 Aug · 19:12
Press —
03 Sacombank Joint-stock 9.60Rate poster image04 Oct · 21:42

Sources and conditions

Applies to: no amount stated Web 7.50 · sacombank.com.vn · 21 Sep · 00:50
Press —
04 GPBank Recent compulsory transfer 9.60rate sheet not read yetplus 7 more — see allRate poster image07 Oct · 22:35

Sources and conditions

Applies to: VND 100 million–2 billion Web —
Press —
05 Vikki Bank Recent compulsory transfer 9.60rate sheet not read yetplus 6 more — see allMulti-source survey07 Oct · 12:07

Sources and conditions

Applies to: no amount stated Web —
Press —
06 VPBank Joint-stock 9.40plus 6 more — see allMarket surveyHà Nội · 07 Oct · 15:42

Sources and conditions

Applies to: VND 100 million–1 billion Web 6.00 · vpbank.com.vn · 22 Sep · 23:36
Press —
07 HDBank Joint-stock 9.28plus 5 more — see allRate poster image04 Oct · 20:57

Sources and conditions

Applies to: from VND 3 billion Web 6.00 · cdn.hdbank.com.vn · 09 Sep · 22:08
Press —
08 BIDV State-owned 9.20Multi-source survey03 Oct · 21:03

Sources and conditions

Applies to: no amount stated Web 5.90 · in branch · bidv.com.vn · 12 Aug · 14:29
Press —

All 26 banks 13-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 13-month term across 26 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	MBV Recent compulsory transfer	9.90rate sheet not read yetplus 31 more — see all	no amount stated	—
Three source layers Survey 9.90%/yr · Multi-source survey · sources: 47 · read 05 Oct · 21:02 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 3.28–9.90% no amount stated · sources: 47 · 05 Oct · 21:02 8.93–9.50% VND 100 million–VND 300 million · sources: 7 · 03 Oct · 20:41 9.10–9.50% VND 300 million–VND 1 billion · sources: 4 · 03 Oct · 20:41 9.50% VND 100 million–VND 100 million · sources: 1 · 04 Oct · 21:25 9.50% from VND 200 million · TP.HCM · sources: 1 · 06 Oct · 20:58 · conditional maximum 9.28–9.46% from VND 1 billion · sources: 5 · 05 Oct · 21:02 8.93–9.46% from VND 5 billion · sources: 25 · 07 Oct · 22:22 9.46% from VND 10 billion · sources: 13 · 07 Oct · 22:32 8.65–9.46% from VND 10 million · sources: 12 · 07 Oct · 22:22 · conditional maximum 9.16–9.46% VND 300 million–VND 500 million · sources: 2 · 04 Oct · 21:26 8.93–9.40% VND 1 billion–VND 5 billion · sources: 26 · 03 Oct · 21:26 9.40% from VND 3 million · sources: 1 · 03 Oct · 21:28 8.45–9.38% VND 100 million–VND 1 billion · sources: 23 · 03 Oct · 20:46 8.93–9.30% from VND 100 million · sources: 3 · 05 Oct · 21:28 8.50–9.30% from VND 5 million · sources: 9 · 06 Oct · 21:03 9.16–9.28% VND 500 million–VND 1 billion · sources: 4 · 04 Oct · 21:28 9.28% VND 5 billion–VND 10 billion · sources: 2 · 04 Oct · 21:00 9.28% VND 5 million–VND 10 million · sources: 2 · 07 Oct · 21:36 9.22% VND 1 million–VND 100 million · sources: 1 · 05 Oct · 21:28 9.16% no amount stated · TP.HCM · sources: 1 · 30 Sep · 13:42 8.40–9.16% VND 1 million–VND 5 million · sources: 9 · 07 Oct · 22:22 9.16% VND 1 million–VND 3 million · sources: 1 · 03 Oct · 21:28 9.16% from VND 1 million · sources: 1 · 07 Oct · 22:05 · conditional maximum 8.93–9.11% under VND 1 billion · sources: 4 · 03 Oct · 21:26 8.93–9.00% VND 100 million–VND 500 million · sources: 4 · 03 Oct · 21:06 9.00% from VND 500 million · sources: 1 · 03 Oct · 21:06 8.93% under VND 100 million · sources: 4 · 07 Oct · 22:22 8.20–8.93% under VND 1 million · sources: 4 · 07 Oct · 21:53 8.93% under VND 1 million · sources: 4 · 07 Oct · 21:36 8.93% VND 0.1 million–VND 1 million · sources: 3 · 07 Oct · 22:22 8.93% under VND 1 billion · sources: 2 · 07 Oct · 22:32 8.76% VND 100 million–VND 1 million · sources: 1 · 03 Oct · 21:28 See every term for MBV →
2	NCB Joint-stock	9.65plus 5 more — see all	VND 1 million–2 billion	6.50 ncb-bank.vn · 19 Aug · 19:12
Three source layers Survey 9.65%/yr · Market survey · sources: 1 · read 08 Oct · 08:53 Published 6.50%/yr · ncb-bank.vn · read 19 Aug · 19:12 Press sources not in the press rate table Rates by deposit tier 9.20–9.65% VND 1 million–VND 2 billion · sources: 1 · 08 Oct · 08:53 9.30–9.65% no amount stated · sources: 2 · 08 Oct · 16:13 9.55–9.65% VND 1 million–VND 1 billion · sources: 1 · 07 Oct · 12:20 9.55–9.60% no amount stated · Hà Nội · sources: 1 · 05 Oct · 09:04 9.45% VND 1 million–VND 3 billion · sources: 1 · 07 Oct · 10:40 9.45% from VND 1 million · sources: 1 · 08 Oct · 09:19 Conditions and caveats TIẾT KIỆM AN PHÚ · read from the PDF, source line: 13 tháng 6.50 6.29 A gap of 3.15 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for NCB →
3	Sacombank Joint-stock	9.60	no amount stated	7.50 sacombank.com.vn · 21 Sep · 00:50
Three source layers Survey 9.60%/yr · Rate poster image · sources: 1 · read 04 Oct · 21:42 Published 7.50%/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: 13 tháng 7.00% 6.77% 7.30% 7.05% 7.50% 7.23% A gap of 2.10 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for Sacombank →
4	GPBank Recent compulsory transfer	9.60rate sheet not read yetplus 7 more — see all	VND 100 million–2 billion	—
Three source layers Survey 9.60%/yr · Rate poster image · sources: 1 · read 07 Oct · 22:35 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 9.60% VND 100 million–VND 2 billion · sources: 1 · 07 Oct · 22:35 9.60% from VND 2 billion · sources: 1 · 07 Oct · 22:35 9.00–9.50% no amount stated · sources: 12 · 05 Oct · 21:17 9.40% from VND 1 billion · sources: 3 · 07 Oct · 22:13 9.30% VND 500 million–VND 1 billion · sources: 2 · 05 Oct · 21:39 9.20% from VND 1 million · sources: 6 · 07 Oct · 21:48 9.00% VND 200 million–VND 500 million · sources: 2 · 05 Oct · 21:39 8.80% VND 100 million–VND 200 million · sources: 2 · 05 Oct · 21:39 See every term for GPBank →
5	Vikki Bank Recent compulsory transfer	9.60rate sheet not read yetplus 6 more — see all	no amount stated	—
Three source layers Survey 9.60%/yr · Multi-source survey · sources: 3 · read 07 Oct · 12:07 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 9.00–9.60% no amount stated · sources: 3 · 07 Oct · 12:07 9.50–9.52% from VND 500 million · sources: 1 · 03 Oct · 10:40 9.00–9.50% VND 200 million–VND 500 million · sources: 2 · 08 Oct · 09:22 9.00% from VND 200 million · sources: 1 · 03 Oct · 21:03 8.60% VND 100 million–VND 200 million · sources: 1 · 03 Oct · 21:03 8.60% from VND 100 million · sources: 1 · 03 Oct · 21:12 8.10% from VND 0.1 million · sources: 1 · 06 Oct · 21:03 See every term for Vikki Bank →
6	VPBank Joint-stock	9.40plus 6 more — see all	VND 100 million–1 billion	6.00 vpbank.com.vn · 22 Sep · 23:36
Three source layers Survey 9.40%/yr · Market survey · Hà Nội · sources: 1 · read 07 Oct · 15:42 Published 6.00%/yr · vpbank.com.vn · read 22 Sep · 23:36 Press sources not in the press rate table Rates by deposit tier 8.90–9.40% no amount stated · sources: 2 · 05 Oct · 21:08 9.40% from VND 100 million · sources: 1 · 06 Oct · 19:26 9.40% VND 100 million–VND 1 billion · Hà Nội · sources: 1 · 07 Oct · 15:42 9.30% from VND 10 million · sources: 3 · 07 Oct · 21:40 8.70% from VND 1 billion · sources: 1 · 04 Oct · 21:23 8.70% from VND 3 billion · sources: 1 · 04 Oct · 21:23 8.60% from VND 300 million · sources: 1 · 04 Oct · 21:23 Conditions and caveats read from the PDF by vision; two passes agreed A gap of 3.40 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for VPBank →
7	HDBank Joint-stock	9.28plus 5 more — see all	from VND 3 billion	6.00 cdn.hdbank.com.vn · 09 Sep · 22:08
Three source layers Survey 9.28%/yr · Rate poster image · sources: 1 · read 04 Oct · 20:57 Published 6.00%/yr · cdn.hdbank.com.vn · read 09 Sep · 22:08 Press sources not in the press rate table Rates by deposit tier 9.28% from VND 3 billion · sources: 1 · 04 Oct · 20:57 9.20–9.22% no amount stated · Hà Nội · sources: 1 · 07 Oct · 10:40 8.80–9.22% no amount stated · sources: 1 · 06 Oct · 14:30 9.16% VND 1 billion–VND 3 billion · sources: 1 · 04 Oct · 20:57 8.93% VND 100 million–VND 1 billion · sources: 1 · 04 Oct · 20:57 8.70% 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: 13 tháng 6,00 · a product on the rate sheet HDBank publishes A gap of 3.28 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for HDBank →
8	BIDV State-owned	9.20	no amount stated	5.90 in branch · bidv.com.vn · 12 Aug · 14:29
Three source layers Survey 9.20%/yr · Multi-source survey · sources: 2 · read 03 Oct · 21:03 Published 5.90%/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. State-controlled banks have the lowest cost of funds in the market, so a quote 3.30 pts above their own published sheet is almost always a conditional rate or a different product. Before treating this as the prevailing level, have the bank confirm it directly. See every term for BIDV →
9	PVcomBank Joint-stock	9.20plus 2 more — see all	no amount stated	5.50 pvcombank.com.vn · 06 Sep · 02:02
Three source layers Survey 9.20%/yr · Multiple sources agree · sources: 14 · read 08 Oct · 16:05 Published 5.50%/yr · pvcombank.com.vn · read 06 Sep · 02:02 Press sources not in the press rate table Rates by deposit tier 9.20% no amount stated · sources: 14 · 08 Oct · 16:05 8.90–9.20% no amount stated · Hà Nội · sources: 1 · 08 Oct · 08:52 9.20% no amount stated · TP.HCM · sources: 1 · 07 Oct · 17:59 Conditions and caveats [GD Tại quầy] Tiền gửi tiết kiệm VND A gap of 3.70 pts is wider than any internal spread we can read in the published-rate archive, and usually means a conditional rate, a very large deposit tier, or a product that is not an ordinary savings deposit. Before treating this as the prevailing level, have the bank confirm it directly. See every term for PVcomBank →
10	MSB Joint-stock	9.20rate sheet not read yetplus 2 more — see all	no amount stated	—
Three source layers Survey 9.20%/yr · Multi-source survey · sources: 4 · read 05 Oct · 21:26 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 8.10–9.20% no amount stated · sources: 4 · 05 Oct · 21:26 9.00% VND 0.5 million–VND 500 million · sources: 1 · 03 Oct · 21:13 8.90% VND 500 million–VND 1 billion · sources: 1 · 03 Oct · 21:13 See every term for MSB →
11	SeABank Joint-stock	9.15rate sheet not read yetplus 2 more — see all	no amount stated	—
Three source layers Survey 9.15%/yr · Multiple sources agree · sources: 2 · read 07 Oct · 22:13 Published could not read the bank's published page Press sources not in the press rate table Rates by deposit tier 9.05–9.15% from VND 100 million · sources: 2 · 01 Oct · 14:03 9.05–9.15% no amount stated · sources: 2 · 07 Oct · 22:13 9.15% under VND 100 million · sources: 1 · 04 Oct · 21:30 See every term for SeABank →
12	MB Joint-stock	8.11last read 11 Sep	no amount stated	—
Three source layers Survey 8.11%/yr · Rate poster image · sources: 1 · read 03 Oct · 21:20 Published could not read the bank's published page Press sources not in the press rate table See every term for MB →
Below: 14 banks with no quoted rate on record at this term. Missing survey data does not mean the rate is low.
13	Saigonbank Joint-stock	—	—	7.90 saigonbank.com.vn · 25 Sep · 03:19
Three source layers Survey not recorded Published 7.90%/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 →
14	LPBank Joint-stock	—	—	7.15 online · lpbank.com.vn · 18 Sep · 11:05
Three source layers Survey not recorded Published 7.15%/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 →
15	PGBank Joint-stock	—	—	7.10 pgbank.com.vn · 21 Sep · 00:05
Three source layers Survey not recorded Published 7.10%/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 →
16	Public Bank Joint-stock	—	—	6.80 publicbank.com.vn · 22 Sep · 23:23
Three source layers Survey not recorded Published 6.80%/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 →
17	VCBNeo Recent compulsory transfer	—	—	6.80 vcbneo.com.vn · 25 Sep · 03:19
Three source layers Survey not recorded Published 6.80%/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 →
18	Nam A Bank Joint-stock	—	—	6.70 online · namabank.com.vn · 11 Aug · 14:13
Three source layers Survey not recorded Published 6.70%/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 →
19	OCB Joint-stock	—	—	6.70 webocb-api.ocb.com.vn · 09 Aug · 22:34
Three source layers Survey not recorded Published 6.70%/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, trên 500 triệu See every term for OCB →
20	SHB Joint-stock	—	—	6.50 shb.com.vn · 21 Aug · 22:06
Three source layers Survey not recorded Published 6.50%/yr · shb.com.vn · read 21 Aug · 22:06 Press sources not in the press rate table 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 →
21	ABBANK Joint-stock	—	—	6.05 online · abbank.vn · 06 Sep · 01:43
Three source layers Survey not recorded Published 6.05%/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 →
22	Agribank State-owned	—	—	5.90 agribank.com.vn · 11 Aug · 15:06
Three source layers Survey not recorded Published 5.90%/yr · agribank.com.vn · read 11 Aug · 15:06 Press sources not in the press rate table Conditions and caveats 13 Tháng See every term for Agribank →
23	TPBank Joint-stock	—	—	5.90 tpb.vn · 21 Sep · 00:50
Three source layers Survey not recorded Published 5.90%/yr · tpb.vn · read 21 Sep · 00:50 Press sources not in the press rate table Conditions and caveats tháng quý An Lộc Lộc thường lãi 12 kỳ kỳ tháng quý 6th/lần · read from the PDF, source line: 13 tháng 5.90 4.90 5.90 See every term for TPBank →
24	VietinBank State-owned	—	—	5.90 vietinbank.vn · 21 Aug · 22:29
Three source layers Survey not recorded Published 5.90%/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 See every term for VietinBank →
25	ACB Joint-stock	—	—	5.40 in branch · acb.com.vn · 12 Aug · 14:27
Three source layers Survey not recorded Published 5.40%/yr · in branch · acb.com.vn · read 12 Aug · 14:27 Press sources not in the press rate table Conditions and caveats product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ; (*): Đối với mức gửi từ 200 tỷ (bậc 2): Lãi suất 7,00 %/ năm (LCK) See every term for ACB →
26	Techcombank Joint-stock	—	—	5.35 techcombank.com · 18 Sep · 10:44
Three source layers Survey not recorded Published 5.35%/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 · 13M See every term for Techcombank →

Banks with no published rate at this term: 13.

01 MBV Recent compulsory transfer 9.90rate sheet not read yetplus 31 more — see allMulti-source survey05 Oct · 21:02

Sources and conditions

Applies to: no amount stated Web —
Press —
02 NCB Joint-stock 9.65plus 5 more — see allMarket survey08 Oct · 08:53

Sources and conditions

Applies to: VND 1 million–2 billion Web 6.50 · ncb-bank.vn · 19 Aug · 19:12
Press —
03 Sacombank Joint-stock 9.60Rate poster image04 Oct · 21:42

Sources and conditions

Applies to: no amount stated Web 7.50 · sacombank.com.vn · 21 Sep · 00:50
Press —
04 GPBank Recent compulsory transfer 9.60rate sheet not read yetplus 7 more — see allRate poster image07 Oct · 22:35

Sources and conditions

Applies to: VND 100 million–2 billion Web —
Press —
05 Vikki Bank Recent compulsory transfer 9.60rate sheet not read yetplus 6 more — see allMulti-source survey07 Oct · 12:07

Sources and conditions

Applies to: no amount stated Web —
Press —
06 VPBank Joint-stock 9.40plus 6 more — see allMarket surveyHà Nội · 07 Oct · 15:42

Sources and conditions

Applies to: VND 100 million–1 billion Web 6.00 · vpbank.com.vn · 22 Sep · 23:36
Press —
07 HDBank Joint-stock 9.28plus 5 more — see allRate poster image04 Oct · 20:57

Sources and conditions

Applies to: from VND 3 billion Web 6.00 · cdn.hdbank.com.vn · 09 Sep · 22:08
Press —
08 BIDV State-owned 9.20Multi-source survey03 Oct · 21:03

Sources and conditions

Applies to: no amount stated Web 5.90 · in branch · bidv.com.vn · 12 Aug · 14:29
Press —
09 PVcomBank Joint-stock 9.20plus 2 more — see allMultiple sources agree08 Oct · 16:05

Sources and conditions

Applies to: no amount stated Web 5.50 · pvcombank.com.vn · 06 Sep · 02:02
Press —
10 MSB Joint-stock 9.20rate sheet not read yetplus 2 more — see allMulti-source survey05 Oct · 21:26

Sources and conditions

Applies to: no amount stated Web —
Press —
11 SeABank Joint-stock 9.15rate sheet not read yetplus 2 more — see allMultiple sources agree07 Oct · 22:13

Sources and conditions

Applies to: no amount stated Web —
Press —
12 MB Joint-stock 8.11last read 11 SepRate poster image03 Oct · 21:20

Sources and conditions

Applies to: no amount stated Web —
Press —
Below: 14 banks with no quoted rate on record at this term. Missing survey data does not mean the rate is low.
13 Saigonbank Joint-stock —

Sources and conditions

Web 7.90 · saigonbank.com.vn · 25 Sep · 03:19
Press —
14 LPBank Joint-stock —

Sources and conditions

Web 7.15 · online · lpbank.com.vn · 18 Sep · 11:05
Press —
15 PGBank Joint-stock —

Sources and conditions

Web 7.10 · pgbank.com.vn · 21 Sep · 00:05
Press —
16 Public Bank Joint-stock —

Sources and conditions

Web 6.80 · publicbank.com.vn · 22 Sep · 23:23
Press —
17 VCBNeo Recent compulsory transfer —

Sources and conditions

Web 6.80 · vcbneo.com.vn · 25 Sep · 03:19
Press —
18 Nam A Bank Joint-stock —

Sources and conditions

Web 6.70 · online · namabank.com.vn · 11 Aug · 14:13
Press —
19 OCB Joint-stock —

Sources and conditions

Web 6.70 · webocb-api.ocb.com.vn · 09 Aug · 22:34
Press —
20 SHB Joint-stock —

Sources and conditions

Web 6.50 · shb.com.vn · 21 Aug · 22:06
Press —
21 ABBANK Joint-stock —

Sources and conditions

Web 6.05 · online · abbank.vn · 06 Sep · 01:43
Press —
22 Agribank State-owned —

Sources and conditions

Web 5.90 · agribank.com.vn · 11 Aug · 15:06
Press —
23 TPBank Joint-stock —

Sources and conditions

Web 5.90 · tpb.vn · 21 Sep · 00:50
Press —
24 VietinBank State-owned —

Sources and conditions

Web 5.90 · vietinbank.vn · 21 Aug · 22:29
Press —
25 ACB Joint-stock —

Sources and conditions

Web 5.40 · in branch · acb.com.vn · 12 Aug · 14:27
Press —
26 Techcombank Joint-stock —

Sources and conditions

Web 5.35 · techcombank.com · 18 Sep · 10:44
Press —

02 The published rate scale

21 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 (Saigonbank, 7.9%) and the lowest (Techcombank, 5.35%) is 2.55 percentage points — on a VND 1 billion deposit for a 13-month term, that gap is worth VND 27.6 million in interest earned. Median 6.4%.

Scale of 21 banks where each bank sits on the axis, converted to interest earned

13-month rate ranking across 21 banks
#	Bank	Interest rates	Interest at maturity	Behind the leader	Source

01	Saigonbank Joint-stock	7.90	85,583,333 VND	leader	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
02	Sacombank Joint-stock	7.50	81,250,000 VND	−0.4 pts −VND 4.3 million	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: 13 tháng 7.00% 6.77% 7.30% 7.05% 7.50% 7.23% Cross-check Recorded from the bank's published page; no second source yet
03	LPBank Joint-stock · online	7.15	77,458,333 VND	−0.75 pts −VND 8.1 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
04	PGBank Joint-stock	7.10	76,916,667 VND	−0.8 pts −VND 8.7 million	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
05	Public Bank Joint-stock	6.80	73,666,667 VND	−1.1 pts −VND 11.9 million	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
06	VCBNeo Recent compulsory transfer	6.80	73,666,667 VND	−1.1 pts −VND 11.9 million	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
07	Nam A Bank Joint-stock · online	6.70	72,583,333 VND	−1.2 pts −VND 13 million	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	OCB Joint-stock	6.70	72,583,333 VND	−1.2 pts −VND 13 million	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, trên 500 triệu Cross-check Recorded from the bank's published page; no second source yet
09	NCB Joint-stock	6.50	70,416,667 VND	−1.4 pts −VND 15.2 million	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: 13 tháng 6.50 6.29 Cross-check Recorded from the bank's published page; no second source yet
10	SHB Joint-stock	6.50	70,416,667 VND	−1.4 pts −VND 15.2 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
11	MB Joint-stock · online	6.40	69,333,333 VND	−1.5 pts −VND 16.2 million	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 Priority \| Số tiền từ trên 1 tỷ VND \| Lãi trả sau (%/năm) Cross-check Recorded from the bank's published page; no second source yet
12	ABBANK Joint-stock · online	6.05	65,541,667 VND	−1.85 pts −VND 20 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
13	HDBank Joint-stock	6.00	65,000,000 VND	−1.9 pts −VND 20.6 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: 13 tháng 6,00 · a product on the rate sheet HDBank publishes Cross-check Recorded from the bank's published page; no second source yet
14	VPBank Joint-stock	6.00	65,000,000 VND	−1.9 pts −VND 20.6 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
15	Agribank State-owned	5.90	63,916,667 VND	−2 pts −VND 21.7 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) 13 Tháng Cross-check Confirmed by a second source
16	BIDV State-owned · in branch	5.90	63,916,667 VND	−2 pts −VND 21.7 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
17	VietinBank State-owned	5.90	63,916,667 VND	−2 pts −VND 21.7 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 Cross-check Recorded from the bank's published page; no second source yet
18	TPBank Joint-stock	5.90	63,916,667 VND	−2 pts −VND 21.7 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: 13 tháng 5.90 4.90 5.90 Cross-check Recorded from the bank's published page; no second source yet
19	PVcomBank Joint-stock	5.50	59,583,333 VND	−2.4 pts −VND 26 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
20	ACB Joint-stock · in branch	5.40	58,500,000 VND	−2.5 pts −VND 27.1 million	receipt Source acb.com.vn Source page read at 14:27 on 12 Aug 2026 (Vietnam time) Channel in branch Interest paid at maturity Conditions (original, Vietnamese) product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ; (*): Đối với mức gửi từ 200 tỷ (bậc 2): Lãi suất 7,00 %/ năm (LCK) Cross-check Recorded from the bank's published page; no second source yet
21	Techcombank Joint-stock	5.35	57,958,333 VND	−2.55 pts −VND 27.6 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 · 13M Cross-check Recorded from the bank's published page; no second source yet

RANK 1 Saigonbank Joint-stock 7.90%85,583,333 VND in interestLeads the tableConditions: 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 2 Sacombank Joint-stock 7.50%81,250,000 VND in interest−0.4 pts · −VND 4.3 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: 13 tháng 7.00% 6.77% 7.30% 7.05% 7.50% 7.23%
Cross-check: Recorded from the bank's published page; no second source yet

RANK 3 LPBank Joint-stock · online 7.15%77,458,333 VND in interest−0.75 pts · −VND 8.1 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 4 PGBank Joint-stock 7.10%76,916,667 VND in interest−0.8 pts · −VND 8.7 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 5 Public Bank Joint-stock 6.80%73,666,667 VND in interest−1.1 pts · −VND 11.9 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 6 VCBNeo Recent compulsory transfer 6.80%73,666,667 VND in interest−1.1 pts · −VND 11.9 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 7 Nam A Bank Joint-stock · online 6.70%72,583,333 VND in interest−1.2 pts · −VND 13 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 OCB Joint-stock 6.70%72,583,333 VND in interest−1.2 pts · −VND 13 million/bnConditions: above VND 500 million…

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, trên 500 triệu
Cross-check: Recorded from the bank's published page; no second source yet

RANK 9 NCB Joint-stock 6.50%70,416,667 VND in interest−1.4 pts · −VND 15.2 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: 13 tháng 6.50 6.29
Cross-check: Recorded from the bank's published page; no second source yet

RANK 10 SHB Joint-stock 6.50%70,416,667 VND in interest−1.4 pts · −VND 15.2 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 11 MB Joint-stock · online 6.40%69,333,333 VND in interest−1.5 pts · −VND 16.2 million/bnConditions: above VND 1 billion · Private 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 Priority | Số tiền từ trên 1 tỷ VND | Lãi trả sau (%/năm)
Cross-check: Recorded from the bank's published page; no second source yet

RANK 12 ABBANK Joint-stock · online 6.05%65,541,667 VND in interest−1.85 pts · −VND 20 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 13 HDBank Joint-stock 6.00%65,000,000 VND in interest−1.9 pts · −VND 20.6 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: 13 tháng 6,00 · a product on the rate sheet HDBank publishes
Cross-check: Recorded from the bank's published page; no second source yet

RANK 14 VPBank Joint-stock 6.00%65,000,000 VND in interest−1.9 pts · −VND 20.6 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 15 Agribank State-owned 5.90%63,916,667 VND in interest−2 pts · −VND 21.7 million/bnConditions: 13 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): 13 Tháng
Cross-check: Confirmed by a second source

RANK 16 BIDV State-owned · in branch 5.90%63,916,667 VND in interest−2 pts · −VND 21.7 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 17 VietinBank State-owned 5.90%63,916,667 VND in interest−2 pts · −VND 21.7 million/bnConditions: LÃI SUẤT HUY ĐỘNG ĐỐI VỚI CÁC KỲ HẠN

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
Cross-check: Recorded from the bank's published page; no second source yet

RANK 18 TPBank Joint-stock 5.90%63,916,667 VND in interest−2 pts · −VND 21.7 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: 13 tháng 5.90 4.90 5.90
Cross-check: Recorded from the bank's published page; no second source yet

RANK 19 PVcomBank Joint-stock 5.50%59,583,333 VND in interest−2.4 pts · −VND 26 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 20 ACB Joint-stock · in branch 5.40%58,500,000 VND in interest−2.5 pts · −VND 27.1 million/bnConditions: from VND 200 billion…

receipt

Source: acb.com.vn
Source page read at: 14:27 on 12 Aug 2026 (Vietnam time)
Channel: in branch
Interest paid: at maturity
Conditions (original, Vietnamese): product: TK Truyền Thống/ Tiền Gửi Có Kỳ Hạn; interest paid: Lãi cuối kỳ; (*): Đối với mức gửi từ 200 tỷ (bậc 2): Lãi suất 7,00 %/ năm (LCK)
Cross-check: Recorded from the bank's published page; no second source yet

RANK 21 Techcombank Joint-stock 5.35%57,958,333 VND in interest−2.55 pts · −VND 27.6 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 · 13M
Cross-check: Recorded from the bank's published page; no second source yet

Saigonbank is paying the highest 13-month rate: 7.9%/yr.
The spread between the highest and the lowest rate is 2.55 percentage points — on VND 1 billion deposited for a 13-month term that gap is worth VND 27 million in interest.
4/21 banks pay their top rate only for deposits made in the app — over the counter is usually lower.
Rates actually quoted run up to 3.7 percentage points above the published ones (PVcomBank) — see the market column.

03 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: 7 rows
Deposit tier: Per record

Market rates recorded by the survey, with region and time read
Bank	Market rate	Date	Time
PVcomBankplus 2 more	9.20	08 Oct	16:05
VPBankplus 6 more	9.40	05 Oct	21:08
BIDV	9.20	03 Oct	21:03
HDBankplus 5 more	9.28	04 Oct	20:57
NCBplus 5 more	9.65	08 Oct	08:53
Sacombank	9.60	04 Oct	21:42
MB	8.11	03 Oct	21:20

A further 5 rows passed the checks but could not be cross-checked against the published sheet: the term or a required condition is missing.

Market rates that could not be cross-checked against the official rate sheet, with the reason
Bank	Term	Market rate	Not cross-checked because	Date	Time
GPBankplus 7 more	13 months	9.60	no published rate at the same term to cross-check against	07 Oct	22:35
MBVplus 31 more	13 months	9.90	no published rate at the same term to cross-check against	05 Oct	21:02
MSBplus 2 more	13 months	9.20	no published rate at the same term to cross-check against	05 Oct	21:26
SeABankplus 2 more	13 months	9.15	no published rate at the same term to cross-check against	01 Oct	14:03
Vikki Bankplus 6 more	13 months	9.60	no published rate at the same term to cross-check against	07 Oct	12:07

04 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 7.9%, 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?

21/21 banks at the 13-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?

4/21 banks in the 13-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 2.55 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 13-month term only pays off if you will not need the money before it matures.

The 13-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 13-month term (7.9%/yr, Saigonbank). A longer term usually pays more but locks the money up for longer; break it early and that extra interest is lost.

The best 13-month rate compared with the other terms
Term	Highest	Bank	vs 13mo
1 months	4.75	ACB	-3.15
3 months	4.75	ACB	-3.15
6 months	7.20	OCB	-0.70
9 months	7.20	Sacombank	-0.70
12 months	7.50	Sacombank	-0.40

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

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