Bank interest rates on January 23, 2026: The highest rate for a 12-month term reached 7.2% per annum.
As of January 23, 2026, the 12-month deposit interest rate at PGBank and MBV reached 7.2% per annum. This is currently the highest interest rate on the market for individual deposits.
On January 23, 2026, deposit interest rates for 12-month terms at commercial banks reached a peak of 7.2% per annum. This is the result of a wave of interest rate adjustments that have taken place at many banks since the beginning of the year, pushing the overall savings interest rate above 7% per annum.
Two banks lead in 12-month interest rates.
According to a survey of listed interest rates,PGBankandMBVCurrently, these are the two leading units in the market with the highest interest rates.7.2% per yearThis rate applies to individual customers who receive interest at the end of the term, regardless of the size of their deposit.
Right next in line isC A BankWith an interest rate of 7.05% per year for a 12-month term. However, this rate only applies to accounts with a balance of 1 billion VND or more. For deposits under 1 billion VND, the bank pays an interest rate of 6.85% per year.
InTechcombankAlthough the listed base interest rate is 5.95%/year, through a policy of adding 1%/year, depositors can actually receive an interest rate of up to...6.95%/yearfor a term of 12 months.
The group of banks offers interest rates ranging from 6.0% to 6.7%.
InOCB BankThe highest interest rate for 12-month term savings is 6.7% per year for deposits over 500 million VND. Deposits between 100 and 500 million VND receive an interest rate of 6.6% per year, and deposits under 100 million VND receive 6.5% per year. (Digital Bank)Vicki BankIt is also listed at 6.6% per year for this term.
The group of banks listing a rate of 6.5%/year includes:VIB, BVBankandABBankIn addition, many other banks have raised interest rates for 12-month terms above 6% per year, such as:VCBNeo(6.4%)LPBankandNCB(6.3%)BaoViet Bank(6.25%)VPBank(6.2%)PVCombank(6.1%)SacombankandSaigonbank(6%).
Online deposit interest rate table as of January 23, 2026
| Bank | 6 months (%/year) | 12 months (%/year) | 18 months (%/year) |
|---|---|---|---|
| MBV | 6.5 | 7.2 | 7.2 |
| PGBANK | 7.1 | 7.2 | 6.8 |
| BAC A BANK | 7.0 | 7.05 | 7.1 |
| TECHCOMBANK | 6.85 | 6.95 | 6.95 |
| OCB | 6.4 | 6,7 | 6.9 |
| VIKKI BANK | 6.5 | 6.6 | 6,7 |
| ABBANK | 6.5 | 6.5 | 6.5 |
| BVBANK | 6.2 | 6.5 | 6.2 |
| VIB | 5.7 | 6.5 | 5.9 |
| VCBNEO | 6.2 | 6.4 | 6.2 |
According to statistics from the beginning of January 2025 to the present, the market has seen 11 banks increase deposit interest rates and only 2 banks decrease interest rates: ACB and PGBank (applicable to long-term deposits from 18-36 months). The average deposit interest rate in December 2025, according to the State Bank of Vietnam's report, remained at 4.7-5.9% per year for terms from 6 to 12 months.
