As of October 3, 2026, the Bank for Investment and Development of Vietnam (BIDV) has updated its online savings interest rates, which currently range from 4.75% to 6.8% per annum. For customers depositing 200 million VND, the potential interest earnings can reach up to 40.8 million VND.

Current Interest Rates at BIDV

The highest online savings interest rate at BIDV is currently set at 6.8% per annum. Here’s a breakdown of the interest rates based on different deposit terms:

• 1-5 months: 4.75% per annum
• 6-11 months, 15 and 18 months: 6.60% per annum
• 12, 13, 24, and 36 months: 6.80% per annum

Calculating Interest Earnings

To calculate the interest earned on a deposit, customers can use the following formula:

Interest = Deposit Amount * Interest Rate (% per annum) * Number of Days Deposited / 365

For a deposit of 200 million VND at the highest interest rate, customers can expect to receive significant returns, as illustrated in the following example:

Example Calculation

If a customer chooses to deposit 200 million VND for a term of 12 months at the rate of 6.80%, the interest earned would be:

Interest = 200,000,000 * 6.80% * 365 / 365 = 40,800,000 VND

It is important to note that the interest rates are subject to change and should be verified with the nearest bank branch or through their hotline for the most accurate information.

For more details on BIDV's interest rates, customers can refer to their official website or contact customer service.