Six-Month Deposit Rates at Seven Vietnamese Banks: Online Rates Higher Across the Board

As of November 13, 2026, online rates for six-month deposits were higher than branch rates at all seven banks compared. Sacombank had the highest online annual rate, at 6.7%, for deposits of at least VND 500 million; VPBank offered 6.6% for deposits below VND 1 billion. At branches, VPBank had the highest rate, at 6.3%, for deposits below VND 1 billion.

According to the banks’ published rates, Sacombank’s annual branch rate for six-month deposits was 5.8% for deposits from VND 500 million to below VND 2 billion. For regular Techcombank customers depositing less than VND 1 billion, the annual branch and online rates were 5.55% and 6.05%, respectively. SHB’s corresponding rates were 5.3% and 5.7%; its branch rate applied to tiered savings deposits below VND 2 billion.

HDBank’s annual rates for six-month ordinary term savings at branches and online deposits were 4.9% and 5.0%, respectively. MB’s annual branch rate for individual deposits below VND 1 billion was 4.1%, while its traditional digital deposit product for Mass customers paid 5.2% annually, with interest paid at maturity. ACB’s annual branch rate for traditional savings with interest paid at maturity was 4.0%; its 4.5% online rate applied to deposits from VND 200 million to below VND 1 billion.

For a VND 100 million deposit with interest paid at maturity after six months, the estimated interest at VPBank was VND 3.15 million at a branch and VND 3.3 million online. For a VND 500 million deposit, the estimated interest at Sacombank was VND 14.5 million at a branch and VND 16.75 million online. Among the seven banks, MB had the largest gap between online and branch rates, at 1.1 percentage points. The rate actually applied still depends on the deposit date, amount and product, and the agreement between the bank and depositor.

Source: VietVance