BIDV Bank interest rates in October 2025
BIDV bank deposit interest rates for October 2025 have been updated, ranging from 1.6% to 4.8% per year, applicable to individual customers depositing at the counter.
Savings interest rates applicable to individual customers as of October 2025.
In October 2025, the Vietnam Investment and Development Bank (BIDV) announced its deposit interest rates for individual customers at the counter, ranging from 1.6% to 4.8% per year.
Specifically, short-term deposits of 1-2 months are subject to an interest rate of 1.6% per year. For terms of 3 months and 5 months, the bank applies a rate of 1.9% per year.
For medium-term deposits, customers who deposit savings for 6 or 9 months receive an interest rate of 3% per year. BIDV is currently applying an interest rate of 4.7% per year for deposits with terms of 12-18 months.
For long-term deposit packages of 24-36 months, the highest interest rate currently reaches 4.8% per year. This is a popular option for many people when comparing savings interest rates among banks to optimize their idle capital.
BIDV's savings interest rate table for individual customers in September 2025:
| 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
Interest rate schedule for individual customers depositing money online at BIDV.
| Term | Interest rate |
| 1 week | 0.3% |
| 2 weeks | 0.3% |
| 3 weeks | 0.3% |
| 1 month | 2.0% |
| 2 Months | 2.0% |
| 3 Months | 2.3% |
| 4 months | 2.3% |
| 5 Months | 2.3% |
| 6 Months | 3.3% |
| 9 Months | 3.3% |
| 11 Months | 3.3% |
| 12 Months | 4.70% |
| 13 Months | 4.70% |
| 15 Months | 4.70% |
| 18 Months | 4.70% |
| 24 Months | 4.90% |
| 36 Months | 4.90% |
Source: BIDV
Interest rate schedule for business deposits:
| Term | VND |
| No term | 0.20% |
| 1 month | 1.60% |
| 2 months | 1.60% |
| 3 months | 1.90% |
| 4 months | 1.90% |
| 5 months | 1.90% |
| 6 months | 2.90% |
| 7 months | 2.90% |
| 8 months | 2.90% |
| 9 months | 2.90% |
| 10 months | 2.90% |
| 11 months | 2.90% |
| 12 months | 4.20% |
| 24 months | 4.20% |
| 36 months | 4.20% |
| 48 months | 4.20% |
The interest rate for savings deposits at BIDV is calculated using the following formula:
Interest earned = (Deposit amount x Interest rate (%/year) x Number of months deposited) / 12 (months)
Or apply the formula based on the submission date:
Interest earned = (Deposit amount x Interest rate (%/year) x Number of days deposited) / 360 (days)
When closing a savings account, customers need to pay attention to the maturity date. If you close the account and withdraw both principal and interest before the maturity date of the savings contract, you will only receive the interest rate applicable to non-term deposits.