Based on published rate tables, VPBank offers the highest counter rate for 24-month deposits under VND 1 billion at 6.9% per year, followed by MB at 6.5%, Sacombank at 6.3% (for VND 500 million to under VND 2 billion), SHB at 5.9%, HDBank and ACB at 4.9%, and Techcombank at 4.85%. For online deposits, Sacombank leads at 7.3% per year for the VND 500 million to under VND 2 billion group, followed by VPBank at 7.1%, MB at 6.5%, SHB at 6.2%, Techcombank at 5.35%, and HDBank at 5%. ACB's online table shows terms only up to 12 months, so no 24-month rate is available for comparison. The gap between the highest and lowest online rates in the table is 2.3 percentage points per year. The article notes that rates may change over time and by bank policy, and that the rate actually applied depends on the agreement between the bank and the depositor.
Summary written by Upside AI from the original article. Read the source for full details.
Original headline: Ngày 29/10, gửi dưới 1 tỷ đồng kỳ hạn 24 tháng tại MB, VPBank, Techcombank, Sacombank, SHB, HDBank và ACB được hưởng lãi suất bao nhiêu?
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interest ratesbankssavings accountsVietnam
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Related tickers and likely impact
ACB
• NeutralAsia Commercial Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 123,924 bn VND |
| P/E | 7.9 |
| P/B | 1.19 |
| Close on 10/29/2026 | 21.30 |
| Change that session | -0.23% |
HDB
• NeutralHDBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 148,682 bn VND |
| P/E | 7.8 |
| P/B | 1.73 |
| Close on 10/29/2026 | 22.70 |
| Change that session | -0.66% |
MBB
• NeutralMBBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 198,354 bn VND |
| P/E | 6.6 |
| P/B | 1.26 |
| Close on 10/29/2026 | 19.70 |
| Change that session | 0.00% |
SHB
• NeutralSaigon-Hanoi Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 52,018 bn VND |
| P/E | 4.3 |
| P/B | 0.69 |
| Close on 10/29/2026 | 10.70 |
| Change that session | +0.47% |
STB
• NeutralSaigon Treasure Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 128,195 bn VND |
| P/E | 84.0 |
| P/B | 2.00 |
| Close on 10/29/2026 | 66.90 |
| Change that session | -1.62% |
TCB
• NeutralTechcombank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 237,389 bn VND |
| P/E | 8.3 |
| P/B | 1.27 |
| Close on 10/29/2026 | 22.35 |
| Change that session | +0.07% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
Related news
- Interest Rates on October 29 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...
A survey of online deposit rates at 35 banks on October 29, 2026 shows wide gaps between banks and across terms. For the 18-month term, VPBank leads at 7.4% per year, while five banks (MBV, PGBank, Sacombank, VCBNeo and VIB) each list 7% per year for 12 months. SCB has the lowest 12-month rate at 0.6% per year, 6.4 percentage points below the top. For 6 months, PGBank is highest at 6.9% per year, while 4.75% per year is the common 3-month rate, with SCB at only 0.1% per year.
- Savings rates fall to near 0% at one bank
Ngan hang TMCP Sai Gon (SCB) cut its online savings rates for new individual customers to 0.1-0.7% per year from October 26, 2026, well below the system's general level. Deposits of 31, 39 and 45 days and 1 to 5 months earn 0.1% per year, 6 to 11 months 0.5%, 12, 13, 15 and 18 months 0.6%, and 24 and 36 months 0.7%, the highest in the table. For 100 million VND deposited for 12 months at 0.6% per year, interest at maturity is 600,000 VND; for 24 months at 0.7%, estimated interest is 1.4 million VND, assuming the rate holds and no early withdrawal. The move follows an October 21 directive from the State Bank of Vietnam requiring banks to cut average deposit rates by at least 0.5 percentage points per year for new deposits of six months or longer in late 2026. SCB has been under special control since 2022 and has shrunk from nearly 240 transaction points to about 8 across 6 localities.
- Interest rates on October 28 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...
Online deposit rates posted by 35 banks on October 28, 2026 vary widely by bank and term. For 12 months, MBV, PGBank, Sacombank, VCBNeo and VIB all list 7%/year, the highest in the survey, followed by BVBank at 6.9%/year. VPBank leads the 18-month term at 7.4%/year, while PGBank tops the 6-month term at 6.9%/year. SCB's rates are well below other banks, at 0.6%/year for 12 months and 0.1%/year for 3 months, while many banks list 4.75%/year for 3 months. The article notes that actual rates may change and depend on the agreement between each bank and the depositor.
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Ngân hàng TMCP Sài Gòn (SCB) has cut online savings rates for newly opening individual customers to 0.1%–0.7% per year from October 26, with 12-month deposits at 0.6% and 24-month deposits at 0.7%. For a 100 million dong deposit, the article estimates interest of 600,000 dong over 12 months and about 1.4 million dong over 24 months, assuming the rate holds and there is no early withdrawal. The move follows a State Bank of Vietnam directive on October 21 that banks cut average rates on new deposits of 6 months or longer by at least 0.5 percentage points in late 2026. SCB has been under special control since 2022, typically keeps the lowest deposit rates in the market and rarely changes them, and has shrunk from nearly 240 transaction points to about 8 across 6 localities.
- On October 27, how much interest do MB, VPBank, Techcombank, Sacombank, SHB, HDBank and ACB pay for 12-month deposits under VND 1 billion?
On October 27, 12-month savings rates at the seven banks surveyed differed between counter and online deposits, with the highest at 6.8% per year for online deposits at Sacombank. At the counter, VPBank listed 6.4% per year for amounts under VND 1 billion, Techcombank 5.75%, SHB and MB both 5.7%, Sacombank 5.4% (under VND 500 million), HDBank 5.2% and ACB 4.8%. Online, Sacombank offered 6.8% (VND 50 million to under VND 500 million), VPBank 6.7%, Techcombank 6.25%, SHB 6.0%, MB 5.8%, HDBank 5.3% and ACB 5.2% (under VND 200 million). The article notes these rates are compiled from published rate tables, may change over time, and the actual rate depends on agreement between the bank and the depositor.
- Interest rates on Oct 26 at MB, VPBank, Techcombank, Sacombank, HDBank, Agribank, Vietcombank, BIDV, VietinBank,...
A survey of online savings rates at 35 banks on October 26, 2026 shows rates vary by bank and term. For the 12-month term, MBV, PGBank, Sacombank, VCBNeo and VIB share the top rate of 7%/year, while SCB has the lowest among the banks surveyed at 3.7%/year. For 18 months, VPBank leads at 7.4%/year. Four state-owned banks, Agribank, BIDV, Vietcombank and VietinBank, post identical schedules: 4.75%/year for 3 months, 6.6%/year for 6 and 9 months, and 6.8%/year for 12 and 18 months. The article notes actual rates may differ by time, deposit amount, channel and agreement with the bank.
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