3-month savings interest rate: VCBNeo leads, Big4 maintains low level

Top banks with the highest interest rates for 3-month terms

According to the survey of bank interest rates updated to the present time of more than 30 domestic commercial banks, the deposit interest rate for individual customers depositing at the counter for a 3-month term ranges from 1.9% - 4.35%/year, interest paid at the end of the term.

VCBNeo has taken the lead with the highest 3-month savings interest rate, reaching 4.35%/year.

Following VCBNeo is Bac A Bank, which applies an interest rate of 4.3%/year for deposits over 1 billion VND and 4.1%/year for deposits under 1 billion VND. Vikki Bank is also in the top with an interest rate of 4.15%/year, ranking third in the ranking.

Bank group average interest rate 3.6-3.9%/year

In the market, two banksOCB and BVBank are offering the same interest rate of 4%/year for a 3-month term.

At a slightly lower rate, 3.9%/year is being applied by NCB, VietBank, andVIB (for deposits over 3 billion VND) for a 3-month term.

For VIB, this bank also has flexible interest rates depending on the deposit limit: 3.7%/year for limits from 100 - 300 million VND and 3.8%/year for limits from 300 million - 3 billion VND.

VPBank offers interest rates ranging from 3.6% - 3.8%/year, depending on the customer's deposit limit.

Many other banks are also maintaining a 3-month interest rate of 3.6%/year, including MB (under 1 billion VND), Eximbank, SHB (under 2 billion VND), Saigonbank and MSB. In addition, customers can also refer to many other banks with interest rates from 1.9%/year to 3.%/year, depending on the specific regulations of each unit.

Big4 state banks: Lowest interest rates in the market

In July 2025, the Big4 group of state-owned banks continued to maintain interest rates for 3-month terms at a level lower than the general market level. Specifically:

BIDV, Vietcombank and VietinBank all offer deposit interest rates at 1.9%/year.

Agribank alone applies an interest rate of 2.4%/year, the highest among the four state-owned banks.