Bank interest rates on July 9, 2026: 6-month term reaches 7.1%/year.
The deposit market witnessed new fluctuations as four banks listed interest rates for 6-month terms at 7% per annum or higher, with the highest actual rate reaching 7.35% per annum.
According to a survey of deposit interest rates on July 9, 2026, the interest rates for 6-month term savings deposits are showing strong differentiation. Notably, joint-stock commercial banks are leading the deposit mobilization race with interest rates exceeding 7% per year, creating a significant gap compared to state-owned banks.
The group of banks listed interest rates above 7% per year.
Currently, Asia Commercial Bank (ACB) is offering the highest online deposit interest rate for a 6-month term at 7.1% per annum. A notable feature is that this rate is applied universally by ACB, without any minimum deposit amount requirements.
Following closely behind is Bac A Bank, offering an interest rate of 7.05% per year for deposits of 1 billion VND or more. For deposits under 1 billion VND with the same term, this bank applies an interest rate of 6.85% per year.
Two other institutions, Vietnam Modern Bank (MBV) and Vietnam Foreign Trade Digital Technology Bank (VCBNeo), have also raised their 6-month deposit interest rates to 7% per annum. Similar to ACB, this interest rate applies to all deposits without any additional conditions.
Special offers and developments at the Big 4.
Besides the standard listed interest rates, some banks also implement additional interest rate programs to attract new customers. A prime example is Techcombank, which offers an additional 0.8 percentage point for customers opening new online savings accounts with a 6-month term every Monday. With this offer, the actual interest rate customers receive can reach up to 7.35% per year.
Meanwhile, the group of four state-owned commercial banks (Big 4) including Agribank, BIDV, Vietcombank, and VietinBank, maintained stability. All four banks currently list interest rates at 6.6%/year for 6-month terms and 6.8%/year for longer terms of 12 months or more.
Online deposit interest rate table as of July 9, 2026
Below are the latest updated listed interest rates at various banks (unit: %/year):
| Bank | 3 months | 6 months | 12 months | 18 months |
|---|---|---|---|---|
| ACB | 4.75 | 7.1 | 7.2 | 7.3 |
| MBV | 4.75 | 7.0 | 7.0 | 7.0 |
| VCBNeo | 4.75 | 7.0 | 7.0 | 7.0 |
| C A Bank | 4.55 | 6.85 | 6.9 | 6.75 |
| 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 |
| PGBank | 4.75 | 6.9 | 7.0 | 6.8 |
| Saigonbank | 4.75 | 6.9 | 7.2 | 7.0 |
| Techcombank | 4.75 | 6.55 | 6.75 | 5.85 |
| SCB | 1.9 | 2.9 | 3.7 | 3.9 |
Conversely, SCB remains the bank with the lowest interest rates in the system, with a 6-month term at only 2.9%/year and a 12-month term at 3.7%/year.
