12-month savings interest rate today - which bank pays the most?
Shinhan Bank currently has the highest 12-month term deposit rate: 7.50%/year, updated at 8/1/26, 8:19 AM.
| Bank | Rate |
|---|---|
| Shinhan Bank | 7.50%/year |
| Bac A Bank | 7.10%/year |
| PGBank | 6.70%/year |
| OCB | 6.70%/year |
| BVBank | 6.65%/year |
| LPBank | 6.60%/year |
| VIB | 6.50%/year |
| MSB | 6.50%/year |
| NCB | 6.20%/year |
| SHB | 6.20%/year |
| MB Bank | 6.20%/year |
| Techcombank | 6.15%/year |
| VPBank | 6.10%/year |
| ABBANK | 6.05%/year |
| Vietbank | 6.00%/year |
| Sacombank | 5.90%/year |
| VietABank | 5.90%/year |
| VietinBank | 5.90%/year |
| Vietcombank | 5.90%/year |
| BIDV | 5.90%/year |
| Agribank | 5.90%/year |
| BAOVIET Bank | 5.80%/year |
| Kienlongbank | 5.50%/year |
| ACB | 5.30%/year |
| HDBank | 5.20%/year |
| Eximbank | 5.00%/year |
| SeABank | 4.80%/year |
| Nam A Bank | 4.00%/year |
The 12-month term is the most common benchmark for comparing interest rates between banks in Vietnam. The table below lists 12-month term deposit rates from commercial banks, sorted highest to lowest, updated automatically.
Frequently asked questions
Which bank has the highest savings interest rate right now?
The 12-month term is commonly used as the general benchmark for comparing rates across banks. The bank paying the most for this term is shown at the top of the table below, updated automatically. Other terms (1, 3, 6, 9, 18, 24 months) may rank banks differently - see the Look up section.
How is interest calculated for a 12-month term deposit?
Interest = Deposit amount × Annual rate × 12/12, which is simply the listed rate applied to the deposit amount (simple interest). Use VnMarketData's Savings Interest Calculator to work out the exact interest earned and total payout at maturity.
Can I withdraw a 12-month term deposit early?
Yes, but withdrawing before maturity usually means the bank only pays the (much lower) demand deposit rate for the whole holding period, instead of the listed term rate.
Is the rate on VnMarketData the official in-branch rate?
This is the rate publicly listed on each bank's website, aggregated automatically by VnMarketData. The actual rate may differ for large deposits or VIP customers - confirm directly with the bank before depositing.