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News updates related to saving money
With over 1 billion VND: Should you pay off a mortgage with a 6% interest rate, put it in a savings account, or buy gold for accumulation?
With over 1 billion VND in cash and an existing mortgage, financial experts advise borrowers to carefully consider the variable interest rate costs before investing in gold.
Market
Bank interest rates on August 19, 2026: Many banks are listing rates of 7-7.9% per year for savings deposits.
The market is seeing a continued increase in VND deposit interest rates. Saigonbank leads with 7.9%/year for a 13-month term, while many other banks are listing rates above 7%/year.
Bank interest rates today, August 17, 2026: VCB Neo reduces rates by up to 0.8 percentage points for long-term maturities.
The deposit interest rate schedule at VCBNeo recorded a downward adjustment of up to 0.8 percentage points for deposit terms from 12 to 60 months on August 17, 2026.
Methods for optimizing savings deposit returns and cash flow management strategies.
The allocation of online savings deposits, combined with splitting deposits into shorter terms and leveraging compound interest, helps individuals maximize their profit margin safely.
Should you choose a fixed or flexible savings account to minimize the risk of losing interest if you withdraw before maturity?
Fixed-term savings accounts typically offer better interest rates when held until maturity, but early withdrawals may result in the entire deposit being recalculated at the non-term interest rate.
A home loan of 1.5 billion VND could result in monthly payments of approximately 25 million VND after interest rate incentives.
Interest rates on home loans at many banks can reach 14-15% per year even after preferential periods, making a loan of 1.5 billion VND a significant burden for households with incomes below 40 million VND per month.
ACB adjusted deposit interest rates upwards by 0.5 percentage points, reaching a maximum of 7.8% per year on July 27, 2026.
ACB adjusted interest rates upwards by 0.5 percentage points for 6-12 month terms on July 27, 2026. With a deposit of 500 million VND, depositors will earn a maximum of 39 million VND in interest after one year.
Bank interest rates as of July 24, 2026: Up to 10% per year with special deposit conditions.
July 24, 2026 09:35
The market recorded the highest deposit interest rate at 10%/year at PVcomBank. Commercial banks maintained special interest rate policies ranging from 7%/year to 9%/year with conditions regarding terms and conditions...
Bank interest rates on July 23, 2026: Long-term rates reach 7.8%/year, interbank market cools down.
July 23, 2026 11:16
As of July 23, 2026, interest rates on savings deposits with maturities exceeding 24 months remained high at 7.8% per year. Simultaneously, interbank interest rates decreased significantly due to abundant system liquidity.
Interest rates at Big4 banks on July 21st: Deposit 100 million VND and receive the highest interest rate of 6.8% per year.
July 21, 2026 10:44
The state-owned banks Agribank, Vietcombank, VietinBank, and BIDV are currently offering the highest deposit interest rate at 6.8% per year. For a deposit of 100 million VND with a 12-month term, customers...
Bank interest rates on July 16, 2026: 6-month term reaches 8.5%/year.
July 16, 2026 10:01
The market recorded the highest deposit interest rates at 8.5%/year for a 6-month term and 9%/year for a 12-month term. Meanwhile, VND interbank interest rates tended to decrease across most terms...
Bank interest rates on July 15th: 15 banks listed the maximum rate of 4.75% for a 1-month term.
July 15, 2026 09:52
Interest rates on 1-month term deposits at 15 commercial banks have reached the regulated ceiling of 4.75%/year. To maximize profits, investors tend to switch to certificates of deposit with...
Bank interest rates on July 14, 2026: The highest rate for a 36-month term reached 7.3% per year.
July 14, 2026 09:22
As of July 14, 2026, the deposit market saw four banks offering deposit interest rates starting from 7.0%/year for a 36-month term, with OCB leading the way with a tiered interest rate of up to 7.3%/year.
Bank interest rates on July 7, 2026: Special offers reaching 8.9% during the sale event.
July 7, 2026 14:34
On July 7th, banks simultaneously offered preferential deposit interest rates, reaching a high of 8.9% per year. Many banks also implemented policies that added a margin and offered SJC gold to depositors.
Bank interest rates as of July 2nd, 2026: Many attractive offers with actual returns of up to 8.9% per year.
July 2, 2026 09:25
The market is witnessing a new wave of promotional offers to raise capital, pushing the effective interest rate after the promotion up to 8.0-9.0%/year for terms from 6 to 36 months at many banks.
Agribank Nghe An awards prizes to customers who deposited savings in the "Deposit instantly - Win a luxury car" program.
June 23, 2026 17:22
On the morning of June 23rd, Agribank Nghe An Branch held an awards ceremony for the "Deposit Now - Win a Luxury Car" savings lottery program.
Bank interest rates on June 22, 2026: NCB reduces rates by 0.1 percentage point for medium-term maturities.
June 22, 2026 13:16
National Commercial Bank (NCB) has just adjusted down deposit interest rates for terms from 6 to 12 months, becoming the fourth bank in the system to lower interest rates since the beginning of June 2026.
Agribank Nghe An branch held a draw for the "Deposit instantly - Win a luxury car" program.
June 16, 2026 17:57
At 3 PM on June 16, 2026, Agribank Nghe An branch held the draw for the "Deposit Instantly - Win a Luxury Car" savings program. The ceremony took place at the branch office...
Bank interest rates as of June 5, 2026: Actual rates exceed 8% per year despite listed rates of only 7%.
June 5, 2026 11:00
Many banks, such as MB, CIMB, and Woori Bank, are paying actual deposit interest rates ranging from 8% to 8.8% per year through special promotional codes, significantly higher than the listed rates.
Bank interest rates today, May 25, 2026: Nam A Bank sharply increases its rate to 6.9%/year.
May 25, 2026 12:31
Nam A Bank has just significantly increased deposit interest rates across many maturities, with the highest increase reaching 0.6 percentage points, while the State Bank of Vietnam has called for stricter supervision.
Bank interest rates today, May 22, 2026: Actual rates at the counter are up to 2% higher than listed rates.
May 22, 2026 10:31
Surveys show that many banks are quietly offering actual deposit interest rates of up to 8.6% per year, significantly higher than the interest rates published on their websites.
Bank interest rates today, May 15, 2026: The highest rate reaches 8%/year at Sacombank.
May 15, 2026 13:01
Sacombank is offering an interest rate of 8% per year for a 36-month term with deposits starting from 1 billion VND. OCB and MBV banks also maintain interest rates above 7% per year for longer terms.
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