As of October 4, 2026, the four major commercial banks in Vietnam—Agribank, Vietcombank, BIDV, and VietinBank—are offering a maximum savings interest rate of 6% per annum for certain long-term deposits. This rate applies to deposits with a maturity of 24 months.

A recent survey conducted by Lao Dong newspaper revealed that for short-term deposits, Agribank currently offers slightly higher interest rates compared to the other three banks. For instance, the interest rate for a 6-month deposit at Agribank is 4% per annum, while Vietcombank, BIDV, and VietinBank offer 3.5% per annum.

Here are the current interest rates for each bank:

• Agribank: 1-2 months: 2.6%, 3-5 months: 2.9%, 6-11 months: 4%, 12-18 months: 5.9%, 24 months: 6%.
• Vietcombank: 1-2 months: 2.1%, 3 months: 2.4%, 6-9 months: 3.5%, 12 months: 5.9%, 24 months: 6%.
• BIDV: 1-2 months: 2.1%, 3-5 months: 2.4%, 6-9 months: 3.5%, 12-18 months: 5.9%, 24-36 months: 6%.
• VietinBank: 1-3 months: 2.1%, 3-6 months: 2.4%, 6-12 months: 3.5%, 12-24 months: 5.9%, 24-36 months: 6%.

For a deposit of 400 million VND for 12 months at the interest rate of 5.9%, the estimated interest earned would be approximately 23.6 million VND, bringing the total amount to about 423.6 million VND upon maturity. For a 24-month deposit at the highest rate of 6%, the interest would be around 48 million VND, totaling approximately 448 million VND at maturity.

It is important to note that actual interest rates may vary based on the time, location, deposit method, and individual bank policies. Customers are advised to check with their respective banks for the most accurate and updated information before making any transactions.