Based on interest rate tables surveyed on the morning of October 23, for a 100 million VND deposit over 6 months with interest paid at maturity, VPBank offers the highest over-the-counter rate at 6.8% per year, or about 3.4 million VND in interest, followed by Techcombank at 5.75% (about 2.875 million VND) and Sacombank at 5.7% (about 2.85 million VND), while ACB has the lowest at 4.0% (about 2 million VND). For online deposits, VPBank again leads at 7.0% per year (about 3.5 million VND), followed by Sacombank at 6.6% and Techcombank at 6.45%, with ACB at 4.4%. The article notes that rates may change over time, depending on deposit amount and each bank's policies, and actual rates are agreed between the bank and the customer.
Summary written by Upside AI from the original article. Read the source for full details.
Original headline: Ngày 23/10, gửi 100 triệu đồng tại MB, VPBank, Techcombank, Sacombank, SHB, ACB nhận bao nhiêu tiền lãi sau 6 tháng?
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Related tickers and likely impact
ACB
• NeutralAsia Commercial Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 118,410 bn VND |
| P/E | 7.6 |
| P/B | 1.19 |
| Close on 10/22/2026 | 20.50 |
| Change that session | +0.49% |
MBB
• NeutralMBBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 201,375 bn VND |
| P/E | 6.7 |
| P/B | 1.28 |
| Close on 10/22/2026 | 19.90 |
| Change that session | -0.50% |
SHB
• NeutralSaigon-Hanoi Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 52,751 bn VND |
| P/E | 4.3 |
| P/B | 0.70 |
| Close on 10/22/2026 | 10.80 |
| Change that session | 0.00% |
STB
• NeutralSaigon Treasure Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 118,957 bn VND |
| P/E | 38.6 |
| P/B | 1.89 |
| Close on 10/22/2026 | 64.10 |
| Change that session | +1.58% |
TCB
• NeutralTechcombank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 243,767 bn VND |
| P/E | 8.5 |
| P/B | 1.30 |
| Close on 10/22/2026 | 34.15 |
| Change that session | -0.73% |
VPB
• NeutralVPBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 240,000 bn VND |
| P/E | 7.7 |
| P/B | 1.28 |
| Close on 10/22/2026 | 23.95 |
| Change that session | -0.21% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
Related news
- Bank of Ireland raises rates on fixed - term savings range
Bank of Ireland is raising interest rates on a range of its fixed-term savings accounts from today. Rates on its 6-, 12- and 18-month Advantage Fixed Term Deposits will rise by between 0.25% and 0.5%. Customers can access up to 25% of their deposited funds during the term, while existing fixed-term customers keep their current rate until their term ends. Carol Meehan, Director of Everyday Banking, said the increases strengthen returns across the range and give customers a choice of terms and access to up to 25% of their money during the term.
- On October 22, how much interest would a 100 million VND deposit at MB, VPBank, Techcombank, Sacombank, SHB and ACB earn after 24 months?
The article compares 24-month savings returns on a 100 million VND deposit at several major Vietnamese banks, based on published rates with interest paid at maturity. At counters, VPBank leads at 6.9% per year (13.8 million VND in interest), followed by MB at 6.5% (13 million VND) and Sacombank at 6.2% (12.4 million VND), while Techcombank is lowest at 4.85% (9.7 million VND). Online, Sacombank offers the highest rate at 7.3% (14.6 million VND), ahead of VPBank at 7.1% (14.2 million VND), while ACB has no 24-month online data. The article notes that actual rates may change over time and depend on agreements with banks.
- On October 22, how much interest would 100 million VND earn after 24 months at 7 banks?
Based on listed rates for a 24-month term with interest paid at maturity, VPBank offers the highest counter rate at 6.9% per year (VND 13.8 million in interest), followed by MB at 6.5% (VND 13 million) and Sacombank at 6.2% (VND 12.4 million). Techcombank has the lowest counter rate in the compared group at 4.85% per year, or VND 9.7 million. For online deposits, Sacombank leads at 7.3% per year (VND 14.6 million), followed by VPBank at 7.1% (VND 14.2 million), while HDBank pays 5% (VND 10 million) and Techcombank 5.35% (VND 10.7 million); ACB has no 24-month online rate data. The rates are compiled from bank rate schedules, apply to specific products and deposit amounts, and may change over time or by agreement with depositors.
- On Oct. 21, BIDV and VietinBank simultaneously cut savings rates
BIDV and VietinBank both cut counter deposit rates by 0.5 percentage points per year for terms of 6 months and longer, bringing their highest rate to 5.5% per year. At BIDV, the 6- and 9-month terms fell to 3%, the 12- to 18-month terms to 5.4%, and the 24- and 36-month terms to 5.5%; VietinBank adopted similar levels. Short-term rates were left unchanged, with both banks listing 2.1% for 1 to 2 months and 2.4% for 3 to under 6 months. The move followed Vietcombank and Agribank lowering deposit rates a day earlier, in line with a State Bank of Vietnam request that banks cut rates by at least 0.5 percentage points for terms of 6 months and longer. After the changes, all four state-owned banks, Vietcombank, VietinBank, BIDV and Agribank, have a top rate of 5.5% per year.
- State Bank of Vietnam urges banks to cut savings rates across all channels
On Oct. 21, the State Bank of Vietnam told commercial banks to make real deposit rate cuts across all sales channels, following the Governor's instruction at a meeting on Oct. 19. Banks must cut average deposit rates for new transactions with terms of 6 months or longer by at least 0.5 percentage points per year in the final months of 2026, compared with their average rates from Oct. 11 to 20. The regulator said it will monitor the figures and may take strict action against non-compliant banks, including lowering or assigning lower credit growth targets. About 20 banks have updated their deposit rate tables, mostly cutting 0.5 points for terms from 6 months at both counters and online. Meanwhile, rates on staff-linked promotional programs at branches have not yet shown signs of easing.
- Sending VND 100 Million at VPBank, Techcombank, HDBank, MB, SHB and Sacombank on 21/10: How Much Interest After 12 Months?
According to rate tables surveyed on 21 October, 12-month counter deposit rates at six major private banks, namely VPBank, Techcombank, HDBank, MB, SHB and Sacombank, range from 5.2% to 6.9% per year, with VPBank highest at 6.9%. For a VND 100 million deposit held for 12 months with interest paid at maturity, counter customers would earn roughly VND 5.2–6.9 million in interest, depending on bank and product. Online, VPBank lists 7.1% per year, or VND 7.1 million, which is VND 200,000 more than its counter rate, while HDBank's online rate is 5.3%. The figures assume the full 12-month term with no early withdrawal, and rates may change over time. The interest gap between VPBank's and HDBank's online rates reaches VND 1.8 million after one year.
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