VietinBank's interest rates have risen sharply, with 12-month terms exceeding 5.2%.
VietinBank has just adjusted its online deposit interest rates upwards for the second time in December, with an increase of 0.3-0.6% per year, bringing the 12-month term above 5.2% per year.
VietinBank raises interest rates for the second time this month.
On December 25, 2025, Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) adjusted its online deposit interest rates upwards for the second time this month. The increase ranged from 0.3-0.6% per year for terms from 1 to 36 months. Notably, the interest rate for 12-month savings deposits at this bank exceeded 5% per year for the first time in nearly two years.
Details of adjusted terms
According to the new interest rate schedule, the specific increases are as follows:
- Term: 1-2 monthsIncreased by 0.6% per year, to3% per year.
- Term: 3-5 monthsIncreased by 0.6% per year, to3.4% per year.
- Term: 6-11 monthsIncreased by 0.6% per year, to4.5% per year.
- 12-month term:Increase by 0.5% per year, to5.2% per year.
- Term: 13-36 monthsIncrease by 0.3% per year, to5.3% per yearThis is also the highest deposit interest rate currently offered by VietinBank.
Meanwhile, deposit interest rates at the counter remain unchanged. Specifically, the rates are 2.1%/year for 1-2 month terms, 2.4%/year for 3-5 month terms, 3.5%/year for 6-11 month terms, 5.2%/year for 12-18 month terms, and 5.3%/year for 24-36 month terms.
Comparison within the Big4 group and market trends.
Following this adjustment, VietinBank's deposit interest rates for 1-2 month and 13-36 month terms are now on par with BIDV and Agribank, and higher than Vietcombank. Despite recent upward adjustments, the Big4 group of banks still maintains the lowest deposit interest rates in the commercial banking system.
Since the beginning of December, 25 banks have increased deposit interest rates. Some banks have adjusted their rates twice, including NCB, Techcombank, OCB, MB, ACB, Saigonbank, Sacombank, PGBank, and VietinBank. VPBank, in particular, has increased its interest rates for the third time this month.
Online deposit interest rate table as of December 25, 2025
| BANK | 1 MONTH | 3 MONTHS | 6 MONTHS | 9 MONTHS | 12 MONTHS | 18 MONTHS |
|---|---|---|---|---|---|---|
| AGRIBANK | 3 | 3.5 | 5 | 5 | 5.3 | 5.3 |
| MB | 3 | 3.4 | 4.5 | 4.5 | 5.3 | 5.3 |
| VIETINBANK | 3 | 3.4 | 4.5 | 4.5 | 5.2 | 5.3 |
| VIETCOMBANK | 2.1 | 2.4 | 3.5 | 3.5 | 5.2 | 5.2 |
| ABBANK | 3.1 | 3.8 | 5.3 | 5.4 | 5,6 | 5.4 |
| ACB | 4.3 | 4.7 | 5.2 | 5.3 | 5.7 | But |
| BAC A BANK | 4.55 | 4.55 | 6.5 | 6.5 | 6.55 | 6,7 |
| BAOVIETBANK | 4.5 | 4.65 | 5.85 | 5.7 | 6 | 6.1 |
| BVBANK | 4.4 | 4.7 | 5.5 | 5.7 | 5.8 | 5.95 |
| EXIMBANK | 4.3 | 4.5 | 4.9 | 4.9 | 5.2 | 5.7 |
| GPBank | 3.9 | 4 | 5.55 | 5.65 | 5.85 | 5.85 |
| HDBANK | 4.2 | 4.3 | 5.5 | 5.3 | 5.8 | 6.1 |
| KIENLONGBANK | 3.9 | 3.9 | 5.4 | 5.1 | 5.7 | 5.45 |
| LPBANK | 4.5 | 4.75 | 6.1 | 6.1 | 6.2 | 6.2 |
| MB | 4.5 | 4.65 | 5.3 | 5.3 | 5.55 | 5.7 |
| MSB | 3.9 | 3.9 | 5 | 5 | 5,6 | 5,6 |
| NAM A BANK | 4.6 | 4.75 | 5.7 | 5,6 | 5.7 | 5.9 |
| NCB | 4.5 | 4.7 | 6.2 | 6.25 | 6.3 | 6.3 |
| OCB | 4.75 | 4.75 | 6.3 | 6.3 | 6.4 | 6.6 |
| PGBANK | 4.75 | 4.75 | 6.8 | 6.8 | 6.9 | 7 |
| PVCOMBANK | 4.75 | 4.75 | 5.8 | 5.8 | 6.1 | 6.8 |
| SACOMBANK | 4.75 | 4.75 | 5.3 | 5.5 | 5.8 | 6 |
| SAIGONBANK | 4.1 | 4.3 | 5.2 | 5.3 | 5.8 | 6.1 |
| SCB | 1.6 | 1.9 | 2.9 | 2.9 | 3.7 | 3.9 |
| SEABANK | 3.95 | 4.45 | 5.15 | 5.35 | 5.5 | 5.95 |
| SHB | 4.2 | 4.65 | 5,6 | 5,6 | 5.8 | 6 |
| TECHCOMBANK | 4.75 | 4.65 | 6.85 | 5.85 | 6.95 | 5.95 |
| TPBANK | 3.9 | 4.2 | 5.1 | 5.3 | 5.5 | 5.7 |
| VIB | 4 | 4.75 | 5.3 | 5.3 | 6.5 | 5.5 |
| VIET A BANK | 3.7 | 4 | 5.1 | 5.3 | 5,6 | 5.8 |
| VIETBANK | 4.1 | 4.4 | 5.4 | 5.4 | 5.8 | 5.9 |
| VPBANK | 4.75 | 4.75 | 6.2 | 6 | 6 | 6 |
