18-Month Deposits at Seven Vietnamese Banks: Online Rates Reach 7.4%

Based on posted rates on November 14, 2026, interest rates on 18-month fixed-term deposits differed across seven Vietnamese banks. For deposits of less than VND 1 billion, VPBank offered an annual rate of 7.4% online and 6.9% at branches, both the highest among the banks compared. A VND 100 million deposit with interest paid at maturity would earn an estimated VND 11.1 million and VND 10.35 million, respectively, a difference of VND 750,000.

For online deposits, Sacombank’s annual rate for an 18-month term was 7.0%; a VND 500 million deposit would earn an estimated VND 52.5 million in interest at maturity. The annual online rates at SHB, MB and HDBank were 6.1%, 5.8% and 5.6%, respectively, while Techcombank’s posted rate for standard customers was 5.35%. ACB’s available online rate schedule lists terms of up to only 12 months, so it cannot be used to determine the rate or interest earned on an 18-month online deposit there.

For deposits made at branches, SHB posted an annual rate of 5.8% on 18-month deposits of less than VND 2 billion, while MB posted 5.7% on deposits of less than VND 1 billion. Sacombank posted 5.6% on deposits from VND 500 million to less than VND 2 billion, and HDBank posted 5.5% on standard fixed-term deposits. The annual rate on ACB’s traditional savings product was 4.9%, while Techcombank posted 4.85% for standard customers depositing less than VND 1 billion.

The interest amounts above are estimated returns at maturity, calculated using the deposit amounts stated and an 18-month term. Actual applicable rates may vary with the date of deposit, deposit amount and each bank’s policies, and are subject to the agreement between the bank and the depositor.

Source: VietVance