Data edition 07 Oct 2026
Interest rates VietBank
Ngân hàng TMCP Việt Nam Thương Tín
Market rate
Highest market rate · 12 months · TP.HCM · recorded 07 Oct
9.50%/yr +3.4 pts
90,000,000–95,000,000 VND in interest at maturity
if the bank applies this rate to your VND 1 billion deposit
- Deposit tier
- not stated
- Region
- TP.HCM
- Source
- Market survey · sources: 1 · read 07 Oct · 17:00
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
6.10%/yr
61,000,000 VND in interest at maturity
below 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 static.vietbank.com.vn
Mức niêm yết cao nhất của VietBank hôm nay là 6.10%/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 61,000,000 đ tiền lãi.
Cross-checked at source: vietbank.com.vn .
- 3-month term
- 4.60%/yr 0.09 pts below the market median
- 6-month term
- 5.90%/yr 0.2 pts below the market median
- 12-month term
- 6.10%/yr 0.15 pts below the market median
Term curve
The highest rate VietBank publishes at each term · vertical axis 4.6–6.4 %/yr · horizontal axis ordered by term
How much interest would you earn at VietBank?
Simple interest, paid at maturity, using the highest rate at each term in the sheet.
6-month term · 5.90%
- 100,000,000 VND
- +2,950,000 VND
- 500,000,000 VND
- +14,750,000 VND
- 1,000,000,000 VND
- +29,500,000 VND
12-month term · 6.10%
- 100,000,000 VND
- +6,100,000 VND
- 500,000,000 VND
- +30,500,000 VND
- 1,000,000,000 VND
- +61,000,000 VND
Another amount: open the interest calculator →
01 Market rates actually quoted at VietBank
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 — VietBank 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.
74 rows can be matched against the rate VietBank 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 | 4.80 | 05 Oct | 14:28 |
| 1 month | 4.75 | 05 Oct | 18:19 |
| 2 months | 4.80 | 05 Oct | 14:28 |
| 2 months | 4.75 | 05 Oct | 18:19 |
| 3 months | 4.80 | 05 Oct | 14:28 |
| 3 months | 4.75 | 05 Oct | 18:19 |
| 4 months | 4.75 | 07 Oct | 17:00 |
| 4 months | 4.75 | 05 Oct | 18:19 |
| 5 months | 4.75 | 07 Oct | 17:00 |
| 5 months | 4.75 | 05 Oct | 18:19 |
| 6 months | 9.40 | 05 Oct | 21:37 |
| 6 months | 9.40 | 07 Oct | 22:14 |
| 6 months | 9.10 | 07 Oct | 22:14 |
| 6 months | 9.20 | 07 Oct | 22:14 |
| 6 months | 9.50 | 04 Oct | 21:08 |
| 6 months | 9.50 | 05 Oct | 21:37 |
| 6 months | 9.50 | 07 Oct | 22:14 |
| 6 months | 9.50 | 07 Oct | 17:00 |
| 6 months | 9.50 | 05 Oct | 18:19 |
| 6 months | 9.00 | 07 Oct | 22:14 |
| 7 months | 9.40 | 05 Oct | 21:37 |
| 7 months | 9.40 | 07 Oct | 22:14 |
| 7 months | 9.10 | 07 Oct | 22:14 |
| 7 months | 9.20 | 07 Oct | 22:14 |
| 7 months | 9.50 | 04 Oct | 21:08 |
| 7 months | 9.50 | 05 Oct | 21:37 |
| 7 months | 9.50 | 07 Oct | 22:14 |
| 7 months | 9.50 | 07 Oct | 17:00 |
| 7 months | 9.50 | 05 Oct | 18:19 |
| 7 months | 9.00 | 07 Oct | 22:14 |
| 8 months | 9.50 | 07 Oct | 17:00 |
| 8 months | 9.50 | 05 Oct | 18:19 |
| 9 monthsplus 1 more | 9.40 | 05 Oct | 21:37 |
| 9 monthsplus 1 more | 9.40 | 07 Oct | 22:14 |
| 9 monthsplus 1 more | 9.10 | 07 Oct | 22:14 |
| 9 monthsplus 1 more | 9.20 | 07 Oct | 22:14 |
| 9 monthsplus 1 more | 9.50 | 04 Oct | 21:08 |
| 9 monthsplus 1 more | 9.50 | 05 Oct | 21:37 |
| 9 monthsplus 1 more | 9.50 | 07 Oct | 22:14 |
| 9 months | 9.50 | 07 Oct | 17:00 |
| 9 months | 9.50 | 05 Oct | 18:19 |
| 9 monthsplus 1 more | 9.00 | 07 Oct | 22:14 |
| 10 months | 9.50 | 07 Oct | 17:00 |
| 10 months | 9.50 | 05 Oct | 18:19 |
| 11 months | 9.50 | 07 Oct | 17:00 |
| 11 months | 9.50 | 05 Oct | 18:19 |
| 12 months | 8.95 | 02 Oct | 14:18 |
| 12 months | 8.95 | 06 Oct | 16:57 |
| 12 monthsplus 1 more | 9.40 | 05 Oct | 21:37 |
| 12 monthsplus 1 more | 9.40 | 07 Oct | 22:14 |
| 12 monthsplus 1 more | 9.10 | 07 Oct | 22:14 |
| 12 monthsplus 1 more | 9.20 | 07 Oct | 22:14 |
| 12 monthsplus 1 more | 9.50 | 04 Oct | 21:08 |
| 12 monthsplus 1 more | 9.50 | 05 Oct | 21:37 |
| 12 monthsplus 1 more | 9.50 | 07 Oct | 22:14 |
| 12 months | 9.50 | 07 Oct | 17:00 |
| 12 months | 9.50 | 05 Oct | 18:19 |
| 12 monthsplus 1 more | 9.00 | 07 Oct | 22:14 |
A further 21 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 | 8.95 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:25 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 16:57 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 06 Oct | 09:23 |
| not stated | 6.70 | the post states no term — it cannot be cross-checked against a published rate | 07 Oct | 22:14 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 19:46 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 14:18 |
| not stated | 8.95 | the post states no term — it cannot be cross-checked against a published rate | 02 Oct | 18:36 |
| not stated | 8.90 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.00 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.40 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 03 Oct | 21:16 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.10 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.20 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.30 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 9.50 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:02 |
| not stated | 8.95 | the post states no term — it cannot be cross-checked against a published rate | 04 Oct | 21:08 |
02 VietBank 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 48 rows rather than collapsing them into one representative figure — the Conditions column says who each rate applies to.
Full rate sheet 48 rows · every channel, payout option and condition
| Term | Interest rates | Channel | Interest paid | Conditions | Source |
|---|---|---|---|---|---|
| 1 month | 4.60 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 4.50 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 2 months | 4.60 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 4.50 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 3 months | 4.60 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 4.50 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 4 months | 4.60 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 4.50 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 5 months | 4.60 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 4.50 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 6 months | 5.90 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.80 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 7 months | 5.90 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.80 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 8 months | 5.90 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.80 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 9 months | 6.00 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.90 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 10 months | 6.00 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.90 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 11 months | 6.00 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 5.90 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 12 months | 6.10 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.00 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 14 months | 6.10 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.00 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 15 months | 6.20 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.10 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 16 months | 6.30 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.20 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 17 months | 6.30 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.20 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 18 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 19 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 20 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 21 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 22 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 23 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | Lãi cuối kỳ Lãi hàng quý Lãi hàng tháng… | receipt
|
|
| 24 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
|
| 36 months | 6.40 | — | at maturity | KỲ HẠN LÃI CUỐI KỲ (%/NĂM) · read from the… | receipt
|
| 6.30 | — | at maturity | LÃI CUỐI KỲ LÃI QUÝ LÃI THÁNG · read from… | receipt
|
- VietBank pays 6.1%/yr on the 12-month term.
- VietBank publishes 24 terms, from 1 to 36 months.
- VietBank'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: 3.6 percentage points.
03 VietBank 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 |
|---|---|---|---|
| Promotional rate | 6.5 | vay mua can ho cao cap kingdom 101 lai suat… | receipt
|
| Reference rate | 5.8–10.7 | 8 published rates · Đối với các khoản vay có lãi suất cho vay… | 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% VPBank 6.25% VietABank 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 VietBank's own published pages and checked against a rule set before publication. We are not affiliated with VietBank and take no commission from the bank. See how we collect these numbers.