BIDV bank interest rates September 2025: Latest update, highest 4.8%/year
BIDV bank deposit interest rate September 2025: individual customers enjoy maximum 4.8%/year, businesses enjoy maximum 4.2%/year for each term.
Savings interest rates applied to new individual customers in September 2025
In early September 2025, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) announced the deposit interest rate schedule for individual customers at the counter, ranging from 1.6% to 4.8%/year. This is information that many people are interested in when looking for the latest bank interest rates to choose a safe savings channel.
Specifically, short-term deposits of 1-2 months apply an interest rate of 1.6%/year. For 3-month and 5-month terms, the bank applies an interest rate of 1.9%/year.
In the medium term group, customers who deposit for 6 or 9 months enjoy an interest rate of 3%/year. BIDV is applying an interest rate of 4.7%/year for deposits with a term of 12 - 18 months.
With long-term deposit packages from 24 - 36 months, the highest interest rate currently reaches 4.8%/year. This is an option that many people are interested in when comparing savings interest rates between banks to optimize idle capital.
BIDV savings interest rate table for September 2025 for individual customers:
| Term | Interest rate |
| No term | 0.10% |
| 1 month | 1.6% |
| 2 Months | 1.6% |
| 3 Months | 1.9% |
| 5 Months | 1.9% |
| 6 Months | 3.0% |
| 9 Months | 3.0% |
| 12 Months | 4.70% |
| 13 Months | 4.70% |
| 15 Months | 4.70% |
| 18 Months | 4.70% |
| 24 Months | 4.80% |
| 36 Months | 4.80% |
Source: BIDV
Deposit interest rates applicable to businesses:
| Term | VND | EUR | USD |
| 1 month | 1.60% | 0.5% | 0% |
| 2 months | 1.60% | 0.5% | 0% |
| 3 months | 1.90% | 0.5% | 0% |
| 4 months | 1.90% | 0.5% | 0% |
| 5 months | 1.90% | 0.5% | 0% |
| 6 months | 2.90% | 0.5% | 0% |
| 7 months | 2.90% | 0.5% | 0% |
| 8 months | 2.90% | 0.5% | 0% |
| 9 months | 2.90% | 0.5% | 0% |
| 10 months | 2.90% | 0.5% | 0% |
| 11 months | 2.90% | 0.5% | 0% |
| 12 months | 4.20% | 0.5% | 0% |
| 24 months | 4.20% | 0.5% | 0% |
| 36 months | 4.20% | 0.5% | 0% |
| 48 months | 4.20% | 0.5% | 0% |
| 60 months | 4.20% | 0.5% | 0% |
Source: BIDV
The method for calculating savings interest rates at BIDV is applied according to the following formula:
Interest = (Deposit amount x interest rate (%/year) x Number of months of deposit) / 12 (months)
or apply the formula based on the date sent:
Interest = (Deposit amount x interest rate (%/year) x Actual number of days deposited)/ 360 (days)
When you want to close your savings account, you need to pay attention to the maturity date. If you close your savings account, withdraw the principal and interest before the maturity date in the savings contract, you will only receive the interest rate of the non-term deposit.
