Bank interest rate 3/4: Highest 9.3%/year

Today's bank interest rates (April 3, 2026) reached a high of 9.3% per year. Vikki Bank, a digital bank, is offering customers savings deposits with interest rates of 9.2% per year for a 6-month term and 9.3% per year for 12-13 month terms. To qualify for rates above 9% per year, customers must deposit online at least 200 million VND.

Vikki Bank's interest rates: Exceeding 9.3%/year

Vikki Bank lists basic online savings interest rates as follows: 4.7%/year for terms of 1-5 months, 6.5%/year for terms of 6-11 months, 6.6%/year for 12 months and 15-36 months, and 6.7%/year for 13 months.

However, this bank applies a policy of adding 0.75% per year for customers depositing from 5 million VND, with a term of 6 months or more (applicable from March 31 to May 31, 2026).

As a result, the real interest rate reaches 9.2-9.3% per year. In addition, Vikki Bank also runs a savings program with a chance to win gold, with a grand prize of 10 taels of SJC gold.

MSB Bank interest rates: Up to 9% per year, but requires a deposit of 500 billion VND.

Vietnam Maritime Commercial Bank (MSB) has just significantly increased deposit interest rates.

Online interest rates: 1-5 month terms increased from 4.1% to 4.75%/year; 6-11 month terms increased from 5.2% to 6.4%/year; 12-36 month terms increased from 5.8% to 6.8%/year.

For first-time depositors (without a savings account at MSB), the interest rate for a 6-month term is up to 7%/year, and for 12-24 month terms it is up to 7.5%/year.

Specifically, an interest rate of 9% per year applies to terms of 12-13 months, provided the minimum deposit is 500 billion VND.

Viet A Bank interest rates: Increased by 0.4% per year, for terms up to 15 years.

Viet A Bank (Viet A Commercial Joint Stock Bank) has increased deposit interest rates for terms ranging from 1 to 36 months.

Online interest rates with interest paid at the end of the term: 1-2 months 4.7%/year, 3-5 months 4.75%/year, 6-11 months 6.5%/year (up 0.4%), 12-13 months 6.6%/year, 15-18 months 6.7%/year, 24-36 months 6.8%/year.

Interest rates at the counter are slightly lower. Notably, Viet A Bank lists an interest rate of up to 6.6%/year for its "Child Prodigy Savings" program for terms of 3-15 years – making it the only bank offering a long-term deposit of 15 years.

Compare attractive interest rates.

• Vikki Bank:9.3%/year (12-13 months, online deposit from 200 million VND)
• MSB:9% per year (12-13 months, minimum deposit of 500 billion VND)
• Viet A Bank:6.8%/year (24-36 months, no special deposit required)
• Cake by VPBank:9.2%/year (mentioned but lower than Vikki Bank)