Six-Month Deposit Rates at Seven Vietnamese Banks: Online Rates Reach 6.6%
Based on rates listed as of November 15, 2026, a VND 100 million six-month deposit at seven Vietnamese banks would earn an estimated VND 2 million to VND 3.3 million in interest if held to maturity with interest paid at the end of the term. VPBank and Sacombank offer the highest online rate in the comparison, at 6.6% a year.
Based on listed rates compiled as of November 15, 2026, VPBank and Sacombank have the highest six-month online deposit rates among the seven banks compared, both at 6.6% a year. On a VND 100 million deposit held for the full term with interest paid at maturity, the estimated interest at each bank is VND 3.3 million.
The other banks’ online annual rates are Techcombank at 6.05%, SHB at 5.7%, MB at 5.2%, HDBank at 5.0% and ACB at 4.4%. The corresponding estimated six-month interest on a VND 100 million deposit is VND 3.025 million, VND 2.85 million, VND 2.6 million, VND 2.5 million and VND 2.2 million, respectively.
For deposits made at a branch, VPBank’s six-month annual rate of 6.3% is the highest in the comparison, yielding an estimated VND 3.15 million in interest on a VND 100 million deposit. Sacombank offers 5.7%, Techcombank 5.55%, SHB 5.3%, HDBank 4.9%, MB 4.1% and ACB 4.0%; the corresponding estimated six-month interest is VND 2.85 million, VND 2.775 million, VND 2.65 million, VND 2.45 million, VND 2.05 million and VND 2 million, respectively.
The interest figures above are calculated by multiplying the principal by the annual rate and then by 6/12, assuming the deposit is held to maturity and interest is paid at maturity. The listed rates at each bank have different deposit amount, product or customer conditions. Actual applicable rates may vary with time, deposit amount and bank policy, and depend on the agreement between the bank and depositor.
Source: VietVance
