Online deposit rates on November 5 varied widely across 35 banks, especially for terms of 6 months and longer. VPBank led the 18-month term at 7.4% a year, while five banks (MBV, PGBank, Sacombank, VCBNeo and VIB) listed 7% a year for 12 months. At the bottom, SCB offered just 0.6% a year for 18 months, 6.8 percentage points below VPBank. The article advises depositors to check the actual conditions at each bank and compare the same term and deposit method, noting that some bank staff may offer rates of 8–9% a year under certain conditions.
Summary written by Upside AI from the original article. Read the source for full details.
Original headline: Lãi suất tiết kiệm ngày 5/11 tại Vietcombank, BIDV, VietinBank, Agribank, MB, VPBank, Techcombank, Sacombank, HDBank,...
Keywords
interest ratessavings accountsbanksVietnam
Open a keyword to see other news on the same topic.
Related tickers and likely impact
ACB
• NeutralAsia Commercial Bank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 117,540 bn VND |
| P/E | 7.3 |
| P/B | 1.13 |
| Close on 11/04/2026 | 20.50 |
| Change that session | +1.23% |
BID
• NeutralBIDV
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 246,570 bn VND |
| P/E | 7.1 |
| P/B | 1.25 |
| Close on 11/04/2026 | 32.45 |
| Change that session | +2.37% |
CTG
• NeutralVietinBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 233,397 bn VND |
| P/E | 5.5 |
| P/B | 1.13 |
| Close on 11/04/2026 | 31.05 |
| Change that session | +3.33% |
MBB
• NeutralMBBank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 190,299 bn VND |
| P/E | 5.8 |
| P/B | 1.21 |
| Close on 11/04/2026 | 19.25 |
| Change that session | +1.85% |
TCB
• NeutralTechcombank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 227,468 bn VND |
| P/E | 7.9 |
| P/B | 1.22 |
| Close on 11/04/2026 | 21.85 |
| Change that session | +2.10% |
VCB
• NeutralVietcombank
Relevance: low
| Market | Vietnam stocks |
|---|---|
| Exchange | HOSE |
| Sector | Banks |
| Market cap | 447,029 bn VND |
| P/E | 10.7 |
| P/B | 1.76 |
| Close on 11/04/2026 | 54.80 |
| Change that session | +2.43% |
Impact is scored by AI from the headline and may be wrong. It is not investment advice.
Related news
- All 46/46 Banks Cut Deposit Rates as Lending Rate Cuts Spread Widely
All 46 commercial banks have cut listed deposit rates by 0.5-0.7% a year for terms of 6 months or longer, creating room to lower lending rates. In late October 2026, new deposit rates fell about 0.4% a year on average and new lending rates fell 0.2-0.5% a year from mid-month, while more than 20 banks announced preferential credit programs cutting rates by 1.5-2% a year. Vietcombank cut up to 3% a year for sectors such as consumer trade and petroleum trade, and Agribank reduced rates on about 200,000 billion VND of existing loans by up to 2.5%. Businesses such as Tôn Thép Việt Pháp said lower interest costs are saving hundreds of millions of VND a month, just as year-end capital demand rises.
- Savings Interest Rates on Nov 4 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...
A survey on Nov 4 shows online deposit rates vary clearly across terms, with the highest at 7.4% per year. For 12-month terms, five banks (MBV, PGBank, Sacombank, VCBNeo and VIB) all list 7% per year, while state-owned banks are at 6.8% per year. VPBank leads the 18-month term at 7.4% per year, and VCBNeo is highest for 6 months at 7% per year. Three-month rates mostly sit around 4.5–4.75% per year, while some bank staff may offer up to 8–9% per year under certain conditions, which is not a standard published rate. The article advises depositors to confirm the actual rate, term, minimum amount and conditions before depositing.
- How much interest does a VND 200 million 12-month deposit earn on November 3 at MB, VPBank, Techcombank, Sacombank, SHB, HDBank and ACB?
Based on posted counter and online rates on November 3, a VND 200 million 12-month deposit at the seven banks compared would earn roughly VND 9.6 million to 13.6 million in interest. Over the counter, VPBank offers the highest rate at 6.4% a year, or VND 12.8 million, while ACB is lowest at 4.8%, or VND 9.6 million. Online, Sacombank leads at 6.8% a year (VND 13.6 million), followed by VPBank at 6.7% (VND 13.4 million). The article notes that bank staff may offer rates of up to 8–9% a year under certain conditions, which are not standard rates for all customers, so depositors should confirm the actual rate, term and conditions and compare products with the same term and deposit method.
- Savings interest rates on November 1 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...
According to the online savings rate table listed on 31 October 2026, rates vary widely across banks and terms. VPBank offers the highest rate in the table at 7.4% per year for 18 months, while many banks list 7% per year for terms from 6 to 12 months. The 12-month leaders, MBV, PGBank, Sacombank, VCBNeo and VIB, all list 7% per year. Most 3-month rates cluster around 4.75% per year, while SCB lists the lowest at 0.1% per year. The article notes that rates quoted by bank staff in direct contact can reach 8–9% per year under certain conditions and do not apply to all customers, and it advises depositors to confirm the actual rate, term, minimum deposit and conditions before deciding.
- Interest rates on October 30 at Agribank, Vietcombank, BIDV, VietinBank, MB, VPBank, Techcombank, Sacombank, HDBank,...
A survey of online deposit rates at 35 banks as of 30/10/2026 shows wide gaps between banks and terms. Most banks list 4.75% per year for 3-month deposits, while GPBank is at 3.7% per year and SeABank at 3.95%. For 12-month terms, MBV, PGBank, Sacombank, VCBNeo and VIB each list 7% per year, and VPBank leads the 18-month term at 7.4% per year. Notably, longer terms do not always pay more: Techcombank falls from 6.25% per year at 12 months to 5.35% at 18 months, and VIB from 7% to 5.9%. The rates shown are published online rates for individual customers and may vary by deposit amount and method.
- What interest rates do MB, VPBank, Techcombank, Sacombank, SHB, HDBank and ACB offer on 24-month deposits under VND 1 billion on October 29?
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.
Related markets
Latest news
- 6-month currency swap: Supporting liquidity, easing interest rate pressure
Mr. Nguyễn Thế Minh, Director of Investment Banking at ABS Securities, views the State Bank of Vietnam's 6-month foreign currency–VND swap operation as a suitable measure to support VND funding for credit institutions as interbank rates have trended upward. Exchange rate pressure has eased significantly compared with last year, creating favorable conditions for the operation. The relatively favorable swap cost could help banks balance liquidity and ease short-term interest rate pressure, while household deposits have recently risen. However, the maximum size of USD 2 billion and the 6-month tenor mainly address temporary liquidity needs and do not solve long-term funding issues.
- Why are banks cutting staff en masse?
Staffing in the banking sector is diverging: many banks have cut jobs after restructuring, while others are still hiring. KienlongBank's headcount fell by 1,078 to 2,596 in just one quarter as of 30 September, tied to network reorganisation and a shift to multichannel service; Sacombank cut 3,738 staff in the first six months, and Eximbank's headcount fell by 783 from the start of the year to 5,358. By contrast, ACB added 236 staff to reach 12,691. Expert Nguyễn Quang Huy says the adjustments reflect business model transition and changing skill needs rather than a negative layoff wave, while Dr. Châu Đình Linh says digitalisation and automation are accelerating restructuring, with fewer but higher-quality staff.
- Why Horace Mann Educators stock soared today
Horace Mann Educators reported third-quarter results after the market close on Tuesday, and its stock rose nearly 6% the next day. Revenue was just over $439 million, marginally higher year over year, while core non-GAAP net income rose 50% to more than $85 million, or $2.06 per share, an all-time high. Both figures beat analyst estimates of $323 million in revenue and $1.08 per share. CEO Marita Zuraitis credited strong property and casualty underwriting, higher net investment income and growth across diversified businesses. The company raised its full-year core EPS guidance to $5.75–$5.95 from $4.60–$4.90, its second consecutive raise, and the author says the investor reaction was, if anything, understated.
- Bầu Hiển's wind power project in Laos reports profit of nearly VND 1,100 billion
T&T Group's Savan 1 phase 1 wind project in Laos recorded revenue of over VND 1,200 billion and gross profit of nearly VND 1,100 billion after nine months, with a gross margin of about 89%, according to its Q3/2026 report. The company says the project met its full-year revenue and profit plan after roughly 16 months of work, including 48 turbines and a nearly 70 km 220 kV line connecting to Vietnam's grid. Phase 2, at 195 MW, is expected to start construction late this year. T&T and Vinacom have also signed an MoU to develop the 495 MW Savan 2 project, with an estimated investment of about USD 768 million and commercial operation by 31/12/2028. Once completed, T&T's wind capacity in Laos is expected to reach 990 MW.
- Did IBM Just Tell the Truth About AI?
This Motley Fool Hidden Gems Investing podcast, recorded on October 22, 2026, covers Lam Research, a maker of semiconductor equipment whose stock was down about 9% and about 45% below its 2026 high, despite revenue rising 22% in the latest quarter. Its services business, which includes spares, upgrades and service contracts, posted $2.5 billion in sales, up 40%, and the company expects it to grow about 30% this year. The hosts explain advanced packaging, which stacks chips in layers for AI and high-bandwidth memory, and Lam expects related sales to grow about 70% this year. The episode also discusses IBM's view of AI spending and what could boost its business.
- Arista Networks stock gets fresh backing from Jim Cramer and Wall Street
Arista Networks beat earnings estimates and gave Wall Street a stronger-than-expected outlook for 2027. The stock has also received fresh backing from Jim Cramer and Wall Street.
Get the briefing on Telegram or Zalo
Join the Upside Telegram channel or Zalo group for the Vietnam stocks and gold briefing at 8:00 and 19:00 (Vietnam time) on trading days, plus a weekly wrap on Saturday morning.