Bank interest rates as of December 24th: PGBank lists a rate of 7% per year.
The deposit market is booming at the end of the year as 25 banks increased deposit interest rates in December. PGBank, SeABank, Sacombank, and Saigonbank are among the latest additions.
The year-end interest rate race heats up.
As of December 24, 2025, 25 commercial banks had adjusted their deposit interest rates upwards since the beginning of the month. The latest banks to join this trend include PGBank, SeABank, Sacombank, and Saigonbank, creating a more attractive interest rate environment for depositors.
PGBank leads the market with an interest rate of 7% per year.
Prosperity and Development Commercial Bank (PGBank) has increased interest rates for the second time this month, with an additional adjustment of 0.3% per year for terms from 6 to 36 months. According to the new interest rate schedule, PGBank now offers competitive interest rates:
- Term: 1-5 months4.75%/year(reaching the ceiling set by the State Bank of Vietnam).
- Term: 6-9 months6.8% per year.
- Term: 12-13 months6.9%/year.
- Term: 18-36 months7% per yearThis is the highest interest rate currently offered on the market.
In total, after two adjustments since the beginning of December, interest rates at PGBank have increased by 1.6%/year for terms of 1-5 months and up to 1.9%/year for terms of 6-36 months.
Other banks also made significant adjustments.
Southeast Asia Commercial Joint Stock Bank (SeABank) has also increased interest rates across all maturities, with increases ranging from 0.5% to 1.2% per year. The highest interest rate at SeABank is currently...5.95%/yearfor terms of 18-36 months.
Sacombank (Saigon Thuong Tin Commercial Joint Stock Bank) increased interest rates by 0.15% per year for 1-2 month terms, bringing the interest rate for these terms to the maximum level.4.75%/yearThe highest interest rate at Sacombank is6% per yearfor terms of 18-36 months.
Meanwhile, Saigon Commercial and Industrial Bank (Saigonbank) also increased interest rates for the second time. The highest interest rate offered there has reached...6.2% per yearfor a 36-month term deposit.
Online deposit interest rate table as of December 24, 2025
Below is a comparison table of deposit interest rates (%/year) at various banks, applicable to online deposits with interest paid at the end of the term.
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
|---|---|---|---|---|---|---|
| AGRIBANK | 3 | 3.5 | 5 | 5 | 5.3 | 5.3 |
| MB | 3 | 3.4 | 4.5 | 4.5 | 5.3 | 5.3 |
| VIETINBANK | 2.4 | 2.8 | 3.9 | 3.9 | 4.7 | 4.7 |
| VIETCOMBANK | 2.1 | 2.4 | 3.5 | 3.5 | 5.2 | 5.2 |
| ABBANK | 3.1 | 3.8 | 5.3 | 5.4 | 5,6 | 5.4 |
| ACB | 4.3 | 4.7 | 5.2 | 5.3 | 5.7 | 5.7 |
| BAC A BANK | 4.55 | 4.55 | 6.5 | 6.5 | 6,55 | 6,7 |
| BAOVIETBANK | 4.5 | 4.65 | 5.85 | 5.7 | 6 | 6.1 |
| BVBANK | 4.4 | 4.7 | 5.5 | 5.7 | 5.8 | 5.95 |
| EXIMBANK | 4.3 | 4.5 | 4,9 | 4,9 | 5.2 | 5.7 |
| GPBANK | 3.9 | 4 | 5.55 | 5,65 | 5.85 | 5.85 |
| HDBANK | 4.2 | 4.3 | 5.5 | 5.3 | 5.8 | 6.1 |
| KIENLONGBANK | 3.9 | 3.9 | 5.4 | 5.1 | 5.7 | 5.45 |
| LPBANK | 4.5 | 4.75 | 6.1 | 6.1 | 6.2 | 6.2 |
| MB | 4.5 | 4.65 | 5.3 | 5.3 | 5.55 | 5.7 |
| MBV | 4.6 | 4.75 | 5.7 | 5.7 | 6 | 6 |
| MSB | 3.9 | 3.9 | 5 | 5 | 5,6 | 5,6 |
| NAM A BANK | 4.6 | 4.75 | 5.7 | 5,6 | 5.7 | 5.9 |
| NCB | 4.5 | 4.7 | 6.2 | 6.25 | 6.3 | 6.3 |
| OCB | 4.75 | 4.75 | 6.3 | 6.3 | 6.4 | 6.6 |
| PGBANK | 4.75 | 4.75 | 6.8 | 6.8 | 6.9 | 7 |
| PVCOMBANK | 4.75 | 4.75 | 5.8 | 5.8 | 6.1 | 6.8 |
| SACOMBANK | 4.75 | 4.75 | 5.3 | 5.5 | 5.8 | 6 |
| SAIGONBANK | 4.1 | 4.3 | 5.2 | 5.3 | 5.8 | 6.1 |
| SCB | 1.6 | 1.9 | 2.9 | 2.9 | 3.7 | 3.9 |
| SEABANK | 3.95 | 4.45 | 5.15 | 5.35 | 5.5 | 5.95 |
| SHB | 4.2 | 4.65 | 5,6 | 5,6 | 5.8 | 6 |
| TECHCOMBANK | 4.35 | 4.65 | 5.85 | 5.85 | 5.95 | 5.95 |
| TPBANK | 3.9 | 4.2 | 5.1 | 5.3 | 5.5 | 5.7 |
| VCBNEO | 4.75 | 4.75 | 6.2 | 5.45 | 6.2 | 6.2 |
| VIB | 4 | 4.75 | 5.3 | 6.5 | 5.5 | 5.5 |
| VIET A BANK | 3.7 | 4 | 5.1 | 5.3 | 5,6 | 5.8 |
| VIETBANK | 4.1 | 4.4 | 5.4 | 5.4 | 5.8 | 5.9 |
| VIKKI BANK | 4.7 | 4.7 | 6.5 | 6.5 | 6.6 | 6,7 |
| VPBANK | 4.75 | 4.75 | 6.2 | 6 | 6 | 6 |
Among the 25 banks that increased interest rates, some had more than one adjustment during the month, including NCB, Techcombank, OCB, MB, ACB, Saigonbank, Sacombank, and PGBank. Notably, VPBank has increased interest rates three times since the beginning of December.
