Top 10 Banks with the Highest Savings Interest Rates in Vietnam

2. VietBank - Vietnam Thuong Tin Commercial Joint Stock Bank

Vietbank was established in 2007, with over 15 years of formation and development. Currently, Vietbank has total assets of over 110 trillion VND, a professional and youthful team of nearly 2,600 employees, and operates a network of 118 Business Centers in 21 provinces and cities. The bank offers a wide range of products and services including cards, deposits, loans, insurance, foreign exchange, trade financing, payment guarantees, and comprehensive financial solutions with reasonable costs for both individuals and businesses.

The growth journey of Vietbank is nurtured by the desire and goal of optimizing value for customers, partners, investors, and employees, while fulfilling responsibilities to the community. This vision and goal are built on the principle of safe growth coupled with sustainable efficiency, aiming to develop Vietbank into a leading modern and versatile retail bank in Vietnam.

Vietbank provides various personal products, including: loans, deposits, online services, etc., to meet the specific financial needs of each customer segment with attractive incentives.

VietBank's savings product packages include:

• Comprehensive Online Deposits
• Fixed-term Deposits - Online Option
• Prosperity Savings
• Future-oriented Savings
• Multi-utility Savings

Interest rates on savings for VietBank's individual customers are as follows:

• 3-month interest rate is 5.4%
• 6-month interest rate is 8.2%
• 12-month interest rate is 8.4%

BAOVIET Bank's savings product packages include:

• Regular interest savings
• Accumulative savings for wealth creation
• End-of-term interest savings
• Future-oriented Accumulative Savings
• EZ-Saving
• Online Wealth Creation

Interest rates on savings for BAOVIET Bank's individual customers are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 7.8%
• 12-month interest rate is 8.4%

OceanBank offers customers versatile, modern, and efficient banking products and services that match the needs and characteristics of each local community. Currently, OceanBank is striving to digitize banking transactions to enhance convenience and experience for customers.

OceanBank's savings product packages include:

• Flexible-term deposit with flexible principal withdrawal
• Open-term savings
• Online savings
• Fixed-term deposit
• End-of-term interest payment savings
• Regular interest payment savings
• Smart savings
• Prepaid interest savings

Interest rates on savings for OceanBank's individual customers are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 7.5%
• 12-month interest rate is 7.7%

OCB has gradually risen to the top private banks in Vietnam based on three criteria: growth speed, safety, and efficiency. OCB not only demonstrates operational efficiency and profitability but also proactively controls costs, implementing synchronized cost optimization solutions to enhance business efficiency, which is the bank's consistent direction. OCB's equity has increased nearly 8 times, profit increased over 16 times, and total assets increased 12 times. Consequently, OCB has become the leading joint-stock commercial bank in terms of profit growth, ranking third in profit efficiency on equity.

OCB's savings product packages include:

• Fixed-term deposits
• Online investment deposits
• Excellent medium-term deposits
• Smart savings deposits
• Reserved deposit
• Certificate of deposit

Interest rates for personal savings at OCB are as follows:

• 3-month interest rate is 5.4%
• 6-month interest rate is 7.4%
• 12-month interest rate is 7.9%

SeABank's savings product packages include:

• Monthly interest payment savings
• Graduated savings
• End-of-term interest payment savings
• Smart savings
• Online savings
• Fixed-term deposit with end-of-term interest payment

Interest rates for personal savings at SeABank are as follows:

• 3-month interest rate is 5.2%
• 6-month interest rate is 7.7%
• 12-month interest rate is 7.7%

With strong financial resources, rapid growth, modern technology, a diverse product portfolio, and continuously improved service quality, this forms the foundation for SCB to develop strongly towards becoming the leading, versatile, and modern retail bank in Vietnam. In addition to providing comprehensive financial solutions that meet all customer needs, SCB takes pride in delivering value and ensuring tangible benefits for Partners, Shareholders, as well as building the best welfare system and working environment for employees.

SCB's savings product packages include:

• Day-term investment
• Regular fixed-term deposit
• Extra privileges - more prosperity
• Online investment
• S-FLEX deposit
• Enterprise Certificate of Deposit
• 24-month Certificate of Deposit
• Short-term SCB Certificate of Deposit
• Preferred investment capital
• Reserve deposit

Interest rates for personal savings at SCB are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 7.75%
• 12-month interest rate is 7.8%

HDBank, also known as Hochiminh City Development Joint Stock Commercial Bank, was established in 1989, making it one of the country's first Joint Stock Commercial Banks. With over 30 years of operation, HDBank is now one of the largest banks in Vietnam, expanding internationally.

HDBank is positioned among the top banks, focusing on retail and SME development with high growth rates. It has demonstrated robust and sustainable growth with superior asset quality, market capitalization values among the leading banks, and in the stock market.

With its unique ecosystem, HDBank offers diverse products and services tailored to the individual, households, and small to medium-sized businesses nationwide. Constantly innovating and developing to provide customers with an ever-improving, ensuring a perfect experience.

HDBank's savings products include:

• Flexible Savings
• Flexible Installment Savings
• Non-term Savings
• Regular Time Savings
• Fixed-Term Deposits
  
• Online Savings
  

Interest rates for personal savings at HDBank are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 6.8%
• 12-month interest rate is 7.2% - 8.6%

Main activities of KienlongBank include mobilizing short, medium, and long-term capital through various forms such as savings deposits, payment deposits, and certificates of deposit. Providing credit in the form of loans, guarantees, payment guarantees, discounting, rediscounting valuable papers. Supplying payment means, payment services, foreign exchange trading, and other banking services.

KienlongBank deploys a diverse range of multi-utility products and services to enhance the quality of services for customers, including Savings products, Loans, ATM Cards named after Hoang Sa Vietnam, Truong Sa Vietnam with many benefits, Free withdrawal fee at all ATMs nationwide, Electronic banking services: SMS Banking, Internet Banking, the latest version of Mobile Banking with superior features, an ATM system, and introducing new products and services to bring convenience to customers such as: Electronic tax payment, Online payment (E-commerce), Fast transfer - Receive money instantly (IBFT), ...

KienlongBank's savings packages include:

• Goal Accumulation Savings
• Non-term Savings
• Fixed-Term Savings
• Accumulation Savings
• Online Savings
• Dream Savings

Interest rates for personal savings at KienlongBank are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 7.0%
• 12-month interest rate is 7.5%

From its early days with only 3 branches, a charter capital of 5 billion VND, and nearly 50 employees, Nam A Bank has steadily grown with a network of 117 transaction points nationwide. Compared to 1992, its charter capital has increased by over 1680 times, the number of employees has increased by more than 92 times, mostly young and dynamic employees, trained both domestically and internationally, with high professional competence.

Nam A Bank's savings packages include:

• Double Benefits Savings
• Online Savings
• Regular Savings
• Happy Future

Interest rates for personal savings at Nam A Bank are as follows:

• 3-month interest rate is 5.5%
• 6-month interest rate is 7.45%
• 12-month interest rate is 7.17%