Bank interest rates today, August 4: A Big4 bank raises rates sharply

Bank interest rates today, August 4: BIDV unexpectedly raised its deposit rates sharply to as much as 7.4% per year, rising to the top of the state-owned banking group.

Bank interest rates today, August 4, recorded a notable development as BIDV unexpectedly raised its online deposit rates sharply across many terms, pushing its highest level to 7.4% per year. Meanwhile, some banks are still applying special interest rates of up to 8.3% per year for customers who meet their specific conditions.

Among the surveyed banks, HDBank continues to list the highest rate, up to 7.6% per year, for deposits that meet specific conditions. In addition, the general interest rate level at many other banks recorded no significant changes.

BIDV bank interest rates today

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) has just sharply raised its online deposit rates for terms from 6 to 36 months.

According to the newly updated online deposit interest rate schedule for interest paid at maturity, the 6-11 month and 13-36 month terms were both raised by BIDV to 7.2% per year. The 12-month term alone carries the highest rate, reaching 7.4% per year.

Compared with before, rates for the 6-12 month terms rose by 0.6 percentage points, while the 13-36 month group increased by 0.4 percentage points.

For terms under 6 months, BIDV kept deposit rates for 1-5 months unchanged, with the highest at 4.75% per year, equal to the ceiling on deposit rates for terms under 6 months as regulated by the State Bank of Vietnam.

With the above adjustment, BIDV is currently the bank listing the highest savings rate among the state-owned commercial banks (Big4).

Source: BIDV Smart Banking

HDBank bank interest rates today

Over-the-counter savings rates

Ho Chi Minh City Development Joint Stock Commercial Bank (HDBank) continues to maintain a stable interest rate level. According to its listed schedule, over-the-counter deposit rates range from 3.5% to 7.6% per year.

Specifically, deposits with a 1-month term carry a rate of 3.5% per year, and the 3-month term is 3.6% per year. For the medium-term group, HDBank applies 4.9% per year for the 6-month term and 4.7% per year for the 9-month term.

For longer terms, the rate on 12-month type 2 deposits is kept at 5.2% per year, while the 24-month term carries a rate of 4.9% per year.

Notably, the highest rate at HDBank is currently 7.6% per year, applied to the 13-month type 1 term. However, this level is reserved only for deposits that meet the specific conditions stipulated by the bank.

Source: HDBank

Online savings rates

On the online savings channel, HDBank continues to keep its interest rate schedule unchanged on August 4. Rates applied to terms from 1 to 36 months range from 4.2% to 5.6% per year.

Specifically, online deposits with a 1-month term earn a rate of 4.2% per year, while the 3-month term is 4.3% per year.

For medium terms, HDBank lists a rate of 5.0% per year for the 6-month term and 4.8% per year for the 9-month term.

In the long-term group, 12-month online deposits carry a rate of 5.3% per year, while the 24-month term continues to be applied at 5.0% per year.

Source: HDBank

Nam A Bank interest rates today

Over-the-counter savings rates

Nam A Commercial Joint Stock Bank (Nam A Bank) is applying over-the-counter savings rates from 4.5% to 6.3% per year, depending on the deposit term.

Specifically, the 1-2 month term carries a rate of 4.5% per year, and the 3-5 month term is 4.6% per year. Six-month deposits earn 5.6% per year, while the 7-11 month terms apply a rate of 5.8% per year.

For long terms, Nam A Bank lists a rate of 6.2% per year for the 12-13 month term and 6.3% per year for the 14-17 month term.

In addition to the ordinary rate schedule, the bank still maintains a special interest rate program of 8.3% per year for deposits of 500 billion VND or more, with a 24-month term and approval from the General Director.

Source: Nam A Bank

Online savings rates

For online savings deposits, Nam A Bank is applying rates from 4.6% to 6.9% per year, higher than over-the-counter deposits across many terms.

Specifically, the 1-month term carries a rate of 4.6% per year, and the 3-month term is 4.75% per year. From the 6-month term, the rate rises to 6.4% per year, while the 7-month term reaches 6.5% per year.

In the long-term group, 12-month deposits earn a rate of 6.6% per year. Notably, both the 24-month and 36-month terms are listed by Nam A Bank at the highest level of 6.9% per year.

Source: Nam A Bank

VPBank interest rates today

Over-the-counter savings rates

Vietnam Prosperity Joint Stock Commercial Bank (VPBank) continues to keep unchanged its deposit rate schedule for deposits under 1 billion VND, ranging from 4.45% to 5.8% per year.

For the 1-month term, the rate is maintained at 4.45% per year; the 3-month term carries a rate of 4.65% per year. For deposits under 1 billion VND, the 6-month, 9-month, 12-month and 24-month terms all pay interest of 5.8% per year.

For deposits of larger value, rates in the medium- and long-term group may be topped up depending on the size of the balance. However, the general rate level remains stable compared with before.

Source: VPBank

Online savings rates

VPBank currently lists online savings rates from 4.45% to 6.0% per year for deposits under 1 billion VND.

Specifically, the 1-month term carries a rate of 4.45% per year, and the 3-month term is 4.65% per year. Meanwhile, deposits with 6-month and 9-month terms both earn 5.8% per year.

In the long-term group, rates on 12-month and 24-month deposits both fell by 0.1 percentage points, to 6.0% per year.

Source: VPBank

Vietcombank interest rates today

Over-the-counter savings rates

Vietcombank's interest rates today remain stable. On July 24, the Joint Stock Commercial Bank for Foreign Trade of Vietnam still maintained its over-the-counter deposit rate range from 2.1% to 6.0% per year, applied to terms from 1 month to 60 months.

Specifically, deposits with a 1-month term are listed at 2.1% per year. For the 3-month term, customers earn a rate of 2.4% per year.

In the medium-term group, Vietcombank applies 3.5% per year for both 6-month and 9-month deposits. For long terms, the 12-month rate is kept at 5.9% per year. The highest level in the over-the-counter rate schedule is currently 6.0% per year, applied to deposits of 24 months or more.

Source: Vietcombank

Online savings rates

For online deposits, Vietcombank currently applies rates from 2.1% to 6.0% per year for terms from 1 to 24 months.

On August 4, online rates saw no change. The 1-month term remains at 2.1% per year, and the 3-month term is 2.4% per year. Online deposits with 6-month and 9-month terms both earn a rate of 3.5% per year.

At the 12-month term, the applied rate is 5.9% per year, while the 24-month term continues to hold at 6.0% per year - the highest level on the bank's online savings channel.

Source: Vietcombank

VietinBank interest rates today

Vietnam Joint Stock Commercial Bank for Industry and Trade (VietinBank) continues to implement a personal deposit rate range from 2.1% to 6.0% per year. On August 4, the bank's deposit schedule recorded no adjustments compared with the previous session.

Deposits from 1 month to under 2 months currently carry a rate of 2.1% per year, while the group from 3 months to under 6 months earns 2.4% per year. At the 6-month and 9-month terms, the listed level is both 3.5% per year.

VietinBank is applying a rate of 5.9% per year for 12-month deposits. Terms of 24 months or more continue to earn the highest level of 6.0% per year.

Source: VietinBank

Agribank interest rates today

Agribank's interest rates today continue to remain stable, with no new adjustment recorded in the morning session. The Vietnam Bank for Agriculture and Rural Development is currently applying a personal deposit rate schedule from 2.6% to 6.0% per year for terms from 1 month to 24 months.

Specifically, deposits with a 1-month term are listed at 2.6% per year. For the 3-month term, the rate rises to 2.9% per year.

Source: Agribank

MB Bank interest rates today

Over-the-counter savings rates

MB Bank is currently applying over-the-counter savings rates for Priority customers in the range of 3.7% to 7.0% per year, for terms from 1 to 60 months. On August 4, the bank continues to keep its rate schedule unchanged from the previous session.

Accordingly, the 1-month term carries a rate of 3.7% per year, and the 3-month term reaches 4.1% per year. Deposits with 6-month and 9-month terms both apply a rate of 4.6% per year.

For 12-month deposits, MB Bank lists a rate of 6.2% per year. The 24-month term continues to carry a rate of 7.0% per year, the highest level in the surveyed over-the-counter schedule.

Source: MB Bank

Online savings rates

On the Digital Deposit channel, MB Bank applies a rate range from 4.5% to 7.0% per year for ordinary individual customers, i.e. the Mass group with deposits under 1 billion VND.

Specifically, the online 1-month term rate is currently 4.5% per year. For the 3-month term, customers earn 4.65% per year.

For the 6-month and 9-month terms, MB Bank pays interest of 5.7% per year on deposits under 1 billion VND. The 12-month term is listed at 6.3% per year, while the 24-month term continues to record the highest level in the digital deposit schedule at 7.0% per year.

Source: MB Bank

Techcombank interest rates today

Standard savings rates

Vietnam Technological and Commercial Joint Stock Bank (Techcombank) continues to maintain standard savings rates for individual customers in the range of 3.95% to 6.15% per year, applied to deposits with terms from 1 to 36 months. Records on August 4 show that the rate schedule for this product saw no change compared with before.

For ordinary customers, 1-month deposits earn a rate of 3.95% per year, while the 3-month term is 4.25% per year. Both the 6-month and 9-month terms carry a level of 5.95% per year.

In the long-term group, 12-month deposits are applying the highest rate of 6.15% per year. Meanwhile, the 24-month term continues to maintain a rate of 5.25% per year.

Source: Techcombank

Phat Loc savings rates

Techcombank currently maintains its Phat Loc savings rate schedule in the range of 4.05% to 6.25% per year for ordinary customers with deposit balances under 1 billion VND. A survey on August 4 shows that rates for this product remain stable, with no new adjustment.

The 1-month term currently carries a rate of 4.05% per year, while the 3-month term reaches 4.35% per year. Terms from 6 months to 11 months, including the 6-month and 9-month terms, all earn a level of 6.05% per year.

At the 12-month term, Phat Loc savings customers earn the highest rate of 6.25% per year. Meanwhile, terms from 13 to 36 months (including the 24-month term) continue to apply a rate of 5.35% per year for deposits under 1 billion VND.

Source: Techcombank

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