ACB's interest rate increased to 7.8%/year, the highest in the market on July 20, 2026.
ACB Bank has just adjusted its savings interest rates upwards by 0.5 percentage points for terms of 6-12 months, bringing the highest rate to 7.8%/year, leading the banking system as of July 20, 2026.
The financial market on July 20, 2026, witnessed a new move from Asia Commercial Bank (ACB) as the institution officially adjusted and increased deposit interest rates across several key maturities. With an increase of 0.5 percentage points, ACB now has the highest publicly listed interest rate in the system for medium-term maturities.
ACB leads the market with an interest rate of 7.8% per year.
According to the latest interest rate schedule updated by ACB, the interest rate for 12-month term savings has surged to 7.8% per year. This is currently the highest publicly listed deposit interest rate on the market for this term. Not only for longer terms, but also for 6-month and 9-month terms, similar increases have been recorded.
Specifically, the interest rate for a 6-month term at ACB currently stands at 7.6% per year, the highest in the market for this term. The 9-month term is listed at 7.7% per year. For shorter terms under 6 months, the bank has decided to keep the rates unchanged: 0.5% per year for 1-2 week terms and 4.75% per year for 1-5 month terms.
Profit analysis from the new interest rate schedule.
The increase in ACB's interest rates directly benefits depositors. Considering a savings deposit of VND 500,000,000 with interest paid at the end of the term, customers will receive a significant difference in interest compared to before:
- 12-month term:The customer received 39,000,000 VND in interest.
- 9-month term:The customer received 28,901,370 VND in interest.
- 6-month term:The customer received 19,156,165 VND in interest.
This move by ACB comes amidst a clear differentiation in capital mobilization strategies among commercial banks. While state-owned banks (Big 4) maintain stable interest rates, private joint-stock commercial banks are beginning a race to attract idle funds by pushing interest rates close to 8% per year.
Online deposit interest rate comparison table as of July 20, 2026
Below is a summary table of online deposit interest rates at some typical banks in the system (unit: %/year):
| BANK | 1 MONTH | 6 MONTHS | 12 MONTHS | 18 MONTHS |
|---|---|---|---|---|
| ACB | 4.75 | 7.6 | 7,8 | But |
| AGRIBANK | 4.75 | 6.6 | 6.8 | 6.8 |
| MB | 4.75 | 6.6 | 6.8 | 6.8 |
| VIETCOMBANK | 4.75 | 6.6 | 6.8 | 6.8 |
| VIETINBANK | 4.75 | 6.6 | 6.8 | 6.8 |
| SAIGONBANK | 4.75 | 6.9 | 7.2 | 7 |
| PGBANK | 4.75 | 6.9 | 7 | 6.8 |
| VIB | 4.35 | 5.7 | 7 | 5.9 |
| TECHCOMBANK | 4.35 | 6.55 | 6.75 | 5.85 |
| SCB | 1.6 | 2.9 | 3.7 | 3.9 |
Overall, deposit interest rates are showing signs of warming up for terms of 6 months or more. However, the difference between banks is quite significant. Customers tend to prioritize banks offering interest rates of 7% per year or higher for medium and long-term savings to maximize returns in the current economic climate.
