According to a survey by Lao Dong Newspaper on April 13, 2025 with nearly 30 banks, the 6-month savings interest rate is fluctuating from 3 - 5.7%/year.

Cake by VPBank is listing the highest interest rate for a 6-month term at 5.7%/year when customers receive interest at the end of the term. When customers receive interest at the beginning of the term, monthly and quarterly interest rates will be 5.48%, 5.61% and 5.65%/year, respectively.

Currently, Cake by VPBank is listing the highest interest rate at 6% when customers deposit money for a term of 12-36 months.

VCBNeo lists the highest interest rate for a 6-month term at 5.7%/year when customers deposit money online and receive interest at the end of the term. Currently, VCBNeo lists the highest interest rate at 5.85% when customers deposit money for 12 months or more.

Vikki Bank lists the highest interest rate for a 6-month term at 5.65%/year when customers deposit money online and receive interest at the end of the term. Currently, the highest interest rate Vikki Bank is listing is 6% when customers deposit money for 13 months.

For other terms, Vikki Bank lists rates from 0.5-6%/year.

Savings How to receive interest after 6 months?

Formula for calculating bank savings interest:

Interest = Deposit x interest rate (%)/12 months x number of months of deposit

For example, you deposit 500 million VND in Bank A, with an interest rate of 5.7% for a 6-month term. The interest you receive is estimated at:

500 million VND x 5.7%/12 x 6 months = 14.25 million VND.

For example, you deposit 200 million VND in Bank A, with an interest rate of 5.7% for a 6-month term. The interest you receive is estimated at:

200 million VND x 5.7%/12 x 6 months = 5.7 million VND.

Before making a deposit, people should compare savings interest rates between banks and interest rates between terms to get the highest interest.