3-month savings interest rates: VCBNeo leads, Big4 maintain low levels.
The July 2025 table of 3-month term savings interest rates shows a significant difference between banks. While VCBNeo leads with 4.35%/year, the Big4 banks only offer rates ranging from 1.9-2.4%/year.
Top banks offering the highest interest rates for 3-month terms.
According to a survey of bank interest rates updated to date from more than 30 domestic commercial banks, the interest rate for individual customers depositing at the counter for a 3-month term ranges from 1.9% to 4.35% per year, with interest paid at the end of the term.
VCBNeo has taken the lead with the highest 3-month savings interest rate, reaching 4.35% per year.
Following closely behind VCBNeo is Bac A Bank, offering an interest rate of 4.3%/year for deposits over 1 billion VND and 4.1%/year for deposits under 1 billion VND. Vikki Bank is also among the top performers with an interest rate of 4.15%/year, ranking third in the list.
The average interest rate among banks is 3.6-3.9% per year.
In the market, two banks, OCB and BVBank, are both offering an interest rate of 4% per year for a 3-month term.
At a slightly lower rate, NCB, VietBank, and VIB are offering 3.9% per annum (for deposits over 3 billion VND) for a 3-month term.
For VIB, the bank also offers flexible interest rates depending on the deposit amount: 3.7%/year for amounts from 100 - 300 million VND and 3.8%/year for amounts from 300 million - 3 billion VND.
VPBank offers interest rates ranging from 3.6% to 3.8% per year, depending on the customer's deposit limit.
Many other banks are also maintaining a 3-month interest rate of 3.6%/year, including MB (for deposits under 1 billion VND), Eximbank, SHB (for deposits under 2 billion VND), Saigonbank, and MSB. In addition, customers can also consider other banks with interest rates ranging from 1.9%/year to 3%/year, depending on each institution's specific regulations.
Big 4 state-owned banks: Lowest interest rates in the market.
In July 2025, the Big 4 state-owned banks continued to maintain interest rates for 3-month terms at levels lower than the market average. Specifically:
BIDV, Vietcombank, and VietinBank are all offering deposit interest rates at 1.9% per year.
Agribank, in particular, applies an interest rate of 2.4% per year, the highest among the four state-owned banks.
