Indovina Bank Limited (IVB) has just listed flexible savings interest rates and registered. Unlike traditional savings, with flexible savings, customers can flexibly change the deposit amount or term. This means that customers can completely withdraw part or all of their savings before the due date without worrying about losing interest.

This form of savings is chosen by many people to make a profit on idle money in a short period of time, but still want to ensure meeting sudden capital needs when needed.

At IVB, the highest flexible savings interest rate is up to 6.45%/year, applied for a term of 5-15 years with monthly payments. 2-month payments have an interest rate of 6.15%/year.

IVB lists 48-month term interest rates of up to 6.25%/year if customers pay monthly, and 6.05%/year if paying every 2 months.

With monthly deposit, the interest rate for 12-month term is 6.05%/year and for 36-month term is 6.15%/year.

The highest registered deposit interest rate of 100 million VND is also listed by IVB at 6.45%/year for a term of 36 months, 6.2%/year for 24 months, and 6.05%/year for 13-18 months.

This registered deposit interest rate table has just been updated by IVB from January 16 for a limit of 1,500 billion VND.

Customers are not allowed to transfer ownership of deposit certificates by buying, selling, donating, exchanging (except for inheritance) or other forms as prescribed by law. IVB does not repurchase deposit certificates before maturity.

Meanwhile, for regular online savings, the highest interest rate is 6.2%/year for a term of 24 months. The interest rate for a term of 13-18 months is 6.05%/year.

IVB notes that the above interest rates apply to deposits under VND 10 billion. Deposits over VND 10 billion apply negotiated interest rates in accordance with current regulations of the State Bank.

This is the maximum interest rate table for each term. IVB branches can negotiate/list with customers to have appropriate interest rates.

INTEREST RATES FOR ONLINE DEPOSITS AT BANKS ON JANUARY 20, 2025 (%/YEAR)
BANK 1 MONTH 3 MONTHS 6 MONTHS 9 MONTHS 12 MONTHS 18 MONTHS
AGRIBANK 2.4 3 3.7 3.7 4.7 4.7
BIDV 2 2.3 3.3 3.3 4.7 4.7
VIETINBANK 2 2.3 3.3 3.3 4.7 4.7
VIETCOMBANK 1.6 1.9 2.9 2.9 4.6 4.6
ABBANK 3.2 3.8 5.6 5.7 5.9 5.6
ACB 3.1 3.5 4.2 4.3 4.9
BAC A BANK 3.9 4.2 5.35 5.45 5.8 6.2
BAOVIETBANK 3.3 4.35 5.2 5.4 5.8 6
BVBANK 3.9 4.05 5.4 5.7 6 6.3
CBBANK 4.15 4.35 5.85 5.8 6 6
DONGA BANK 4.1 4.3 5.55 5.7 5.8 6.1
EXIMBANK 4 4.3 5.3 4.5 5.5 6.7
GPBANK 3.5 4.02 5.35 5.7 6.05 6.15
HDBANK 3.85 3.95 5.3 4.7 5.6 6.1
IVB 4 4.35 5.35 5.35 5.95 6.05
KIENLONGBANK 4.3 4.3 5.8 5.8 6.1 6.1
LPBANK 3.6 3.9 5.1 5.1 5.5 5.8
MB 3.7 4 4.6 4.6 5.1 5.1
MBV 4.3 4.6 5.5 5.6 5.8 6.1
MSB 4.1 4.1 5 5 6.3 5.8
NAM A BANK 4.3 4.5 5 5.2 5.6 5.7
NCB 4.1 4.3 5.45 5.55 5.7 5.7
OCB 4 4.2 5.2 5.2 5.3 5.5
PGBANK 3.4 3.8 5 5 5.5 5.8
PVCOMBANK 3.3 3.6 4.5 4.7 5.1 5.8
SACOMBANK 3.3 3.6 4.9 4.9 5.4 5.6
SAIGONBANK 3.3 3.6 4.8 4.9 5.8 6
SCB 1.6 1.9 2.9 2.9 3.7 3.9
SEABANK 2.95 3.45 3.95 4.15 4.7 5.45
SHB 3.5 3.8 5 5.1 5.5 5.8
TECHCOMBANK 3.35 3.65 4.45 4.45 4.85 4.85
TPBANK 3.7 4 4.8 5.3 5.5
VIB 3.8 3.9 4.9 4.9 5.3
VIET A BANK 3.7 4 5.2 5.4 5.7 5.9
VIETBANK 4.2 4.4 5.4 5 5.8 5.9
VPBANK 3.8 4 5 5 5.5 5.5
According to statistics from the beginning of January 2025 to now, 7 banks have increased their deposit interest rates, including: Agribank, Bac A Bank, NCB, MBV, Eximbank (twice), KienlongBank (twice), VietBank. However, NCB and Agribank also simultaneously reduced interest rates for terms of 12 - 36 months. Also reducing interest rates are ABBank, SeABank, Nam A Bank, Techcombank (twice).