One-Year Deposit Rates Compared at Seven Vietnamese Banks

As of November 12, 2026, published one-year term deposit rates at seven Vietnamese banks showed differences between online and branch deposits. Among the online products listed, Sacombank offered an annual rate of 7% on deposits of at least VND 500 million. A VND 500 million deposit would earn an estimated VND 35 million in interest after one year, with interest paid at maturity.

For deposits below VND 1 billion, VPBank offered an annual rate of 6.7% online and 6.4% at branches. A VND 100 million deposit held for one year would earn an estimated VND 6.7 million and VND 6.4 million in interest, respectively. For ordinary customers depositing less than VND 1 billion, Techcombank offered online and branch rates of 6.25% and 5.75%, respectively.

SHB offered an online rate of 6% and a branch rate of 5.7% for its tiered savings product, with the latter applying to deposits below VND 2 billion. MB offered online and branch rates of 5.8% and 5.7%, respectively, for deposits below VND 1 billion. HDBank’s corresponding rates were 5.3% and 5.2%; its branch rate excluded special-rate products subject to separate conditions.

Sacombank offered an annual branch rate of 5.5% for deposits from VND 500 million to less than VND 2 billion. ACB offered a branch rate of 4.8% for its traditional savings product; its 5.3% online rate applied to deposits from VND 200 million to less than VND 1 billion. These are published rates with interest paid at maturity. Actual rates may vary by date, deposit amount and bank policy, and the applicable rate is subject to agreement between the bank and depositor.

Source: VietVance