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  • Interest Rate

Interest rate information for personal and business.

  • Personal
  • Business
  • Time Deposit
    Valid from 20/11/2023
     
    TERMSINTEREST RATE
     VNDUSD 
    At counter Online
    Demand deposit 0.50 0.50 0.00
    1 week 0.50 0.50 0.00
    2 weeks 0.50 0.50 0.00
    3 weeks 0.50 0.50 0.00
    01 month 4.30 4.30 0.00
    02 months 4.30 4.30 0.00
    03 months 4.50 4.50 0.00
    04 months 4.50 4.50 0.00
    05 months 4.50 4.50 0.00
    06 months 5.40 5.50 0.00
    07 months 5.40 5.50 0.00
    08 months 5.40 5.50 0.00
    09 months 5.50 5.60 0.00
    10 months 5.50 5.60 0.00
    11 months 5.50 5.60 0.00
    12 months 5.70 5.80 0.00
    13 months 5.70 5.80 0.00
    15 months 5.70 5.80 0.00
    18 months 5.70 5.80 0.00
    24 months 5.70 5.80 0.00
    36 months 5.70 5.80 0.00

     Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Personal loan base interest rate

    Personal loan base interest rate

    Valid from 01/12/2023

    Loan term

    Loan base interest rate
    (% per annum)

    Loan term ≤ 06 months

    5,6

    06 months < Loan term ≤ 12 months

    6,1

    Loan term > 12 months

    6,3
  • Interest rates for personal term savings with flexible withdrawals

    Valid from 20/11/2023

                   Actual Deposit term                              Interest rate (% per annum)        
            From 180 to 209 days      5.40
          From 360 to 389 days    5.70

    Note:

    -         In regard to premature withdrawals of principal amount: Apply the lowest interest rate for demand deposits at the time of withdrawal;

    -         In regard to the remaining principal amount: Apply the current interest rate of the savings.

    Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Interest Rate deposit term for individual customer

    Interest Rate deposit term for individual customer

    Valid from 20/11/2023

    ACTUAL DEPOSIT TERMINTEREST RATE VND (% per annum)INTEREST RATE USD (% per annum)
    < 30 days 0.50 0.00
    From 30 to 59 days 4.30 0.00
    From 60 to 89 days 4.30 0.00
    From 90 to 119 days 4.50 0.00
    From 120 to 149 days 4.50 0.00
    From 150 to 179 days 4.50 0.00
    From 180 to 209 days 5.40 0.00
    From 210 to 239 days 5.40 0.00
    From 240 to 269 days 5.40 0.00
    From 270 to 299 days 5.50 0.00
    From 300 to 329 days 5.50 0.00
    From 330 to 359 days 5.50 0.00
    From 360 to 389 days 5.70 0.00
    From 390 to 449 days 5.70 0.00
    From 450 to 539 days 5.70 0.00
    From 540 to 719 days 5.70 0.00
    From 720 to 899 days 5.70 0.00
    From 900 to 1079 days 5.70 0.00
    From 1080 to 1259 days 5.70 0.00
    From 1260 to 1439 days 5.70 0.00
    From 1440 to 1619 days 5.70 0.00
    1620 days and above 5.70 0.00

     

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Heo dat 4.0

    Valid from 20/11/2023

     

    ACTUAL DEPOSIT TERMDeposit term
     3 months 6 months 9 months1 year2 years3 years4 years5 years
    < 1 month 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
    01 month 4.30 4.30 4.30 4.30 4.30 4.30 4.30 4.30
    02 months 4.30 4.30 4.30 4.30 4.30 4.30 4.30 4.30
    03 months 4.50 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    04 months - 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    05 months - 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    06 months - 5.50 5.50 5.50 5.50 5.50 5.50 5.50
    07 months - - 5.50 5.50 5.50 5.50 5.50 5.50
    08 months - - 5.50 5.50 5.50 5.50 5.50 5.50
    09 months - - 5.60 5.60 5.60 5.60 5.60 5.60
    10 months - - - 5.60 5.60 5.60 5.60 5.60
    11 months - - - 5.60 5.60 5.60 5.60 5.60
    12 months - - - 5.80 5.80 5.80 5.80 5.80
    13 months - - - - 5.80 5.80 5.80 5.80
    15 months - - - - 5.80 5.80 5.80 5.80
    18 months - - - - 5.80 5.80 5.80 5.80
    24 months to under 36 months - - - - 5.80 5.80 5.80 5.80
    36 months and above  - - - - - 5.80 5.80 5.80

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • SmartSavings

    Valid from 20/11/2023

    ACTUAL DEPOSIT TERMINTEREST RATE VND (% per annum)
     
    From 30 to 59 days 4.30
    From 60 to 89 days 4.30
    From 90 to 119 days 4.50
    From 120 to 149 days 4.50
    From 150 to 179 days 4.50
    From 180 to 209 days 5.40
    From 210 to 239 days 5.40
    From 240 to 269 days 5.40
    From 270 to 299 days 5.50
    From 300 to 329 days 5.50
    From 330 to 359 days 5.50
    From 360 to 389 days 5.70
    From 390 to 449 days 5.70
    From 450 to 539 days 5.70
    From 540 to 719 days 5.70
    From 720 to 899 days 5.70
    From 900 to 1079 days 5.70
    From 1080 to 1259 days 5.70
    From 1260 to 1439 days 5.70
    From 1440 to 1619 days 5.70
    1620 days or above 5.70

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Super – Flexible Savings
    Valid from 20/11/2023

    Unit:%/year

    TermTerm Deposit
     3 months 6 months

    9 months

    		1 year2 years3 years4 years5 years
    Under 1 month  0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
    01 month 4.30 4.30 4.30 4.30 4.30 4.30 4.30 4.30
    02 months 4.30 4.30 4.30 4.30 4.30 4.30 4.30 4.30
    03 months 4.50 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    04 months - 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    05 months - 4.50 4.50 4.50 4.50 4.50 4.50 4.50
    06 months - 5.40 5.40 5.40 5.40 5.40 5.40 5.40
    07 months - - 5.40 5.40 5.40 5.40 5.40 5.40
    08 months - - 5.40 5.40 5.40 5.40 5.40 5.40
    09 months - - 5.50 5.50 5.50 5.50 5.50 5.50
    10 months - - - 5.50 5.50 5.50 5.50 5.50
    11 months - - - 5.50 5.50 5.50 5.50 5.50
    12 months - - - 5.70 5.70 5.70 5.70 5.70
    13 months - - - - 5.70 5.70 5.70 5.70
    15 months - - - - 5.70 5.70 5.70 5.70
    18 months - - - - 5.70 5.70 5.70 5.70
    24 months - under 36 months - - - - 5.70 5.70 5.70 5.70
    36 months toward - - - - - 5.70 5.70 5.70

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • VISA CARD

    No.

    Credit Card

    Interest Rate

    Currency

    Applied

    1

    VISA Credit Card

    22% per annum

    VND

    From 27/12/2022
  • Interest Upfront Term Deposit

    Valid from 20/11/2023

    TermVNDUSD
    01 month 4.12% 0.00%
    02 months
    		 4.12% 0.00%
    03 months
    		 4.30% 0.00%
    04 months 4.30% 0.00%
    05 months 4.30% 0.00%
    06 months 5.12% 0.00%
    07 months 5.12% 0.00%
    08 months 5.12% 0.00%
    09 months 5.21% 0.00%
    10 months 5.21% 0.00%
    11 months 5.21% 0.00%
    12 months 5.39% 0.00%
    13 months 5.39% 0.00%
    15 months 5.39% 0.00%
    18 months 5.39% 0.00%
    24 months 5.39% 0.00%
    36 months 5.39% 0.00%


    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Monthly Interest Payment

    Valid from 20/11/2023

     
    TermsVND usd
    At counterOnline 
    02 months 4.29%  4.29% 0%
    03 months 4.48%  4.48% 0%
    04 months 4.47%  4.47% 0%
    05 months 4.46%  4.46% 0%
    06 months 5.34%  5.43% 0%
    07 months 5.32%  5.42% 0%
    08 months 5.31%  5.41% 0%
    09 months 5.40%  5.49% 0%
    10 months 5.38%  5.48% 0%
    11 months 5.37%  5.47% 0%
    12 months 5.55%  5.65% 0%
    18 months 5.48%  5.57% 0%
    24 months 5.41%  5.50% 0%
    36 months 5.27%  5.35%

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Quarterly Interest Payment
    Valid from 20/11/2023
     
    TermVNDUSD
    At counterOnline 
    12 months 5.58% 5.67% 0%
    18 months 5.50% 5.60% 0%
    24 months 5.43% 5.52% 0%
    36 months 5.29% 5.38%

    Note: Interest rates listed maximum. Please contact our Branches/Transaction Offices for further details.

  • Businesses base interest rate

    Businesses base interest rate

    Valid from 27/11/2023

    VND

    Loan term

    Loan base interest rate
    (% per annum)

    Loan term ≤ 06 months

    5,4

    06 months < Loan term ≤ 12 months

    5,7

    Loan term > 12 months

    5,7

    USD 

    Loan term

    Loan base interest rate
    (% per annum)

    Loan term ≤ 06 months

    0

    06 months < Loan term ≤ 12 months

    0

    Loan term > 12 months

    0
  • Interest rate applicable for current account of credit institution and foreign bank branch

    Biểu lãi suất tiền gửi thanh toán cho Tổ chức tín dụng và Chi nhánh Ngân hàng nước ngoài

    Valid from 24/10/2022

    No.

    Currency

    Interest rates (%/year)

    1

    VND

    0,2

    2

    USD

    0

    3

    CAD

    0

    4

    AUD

    0

    5

    EUR

    0

    6

    GBP

    0

    7

    JPY

    0

    8

    SGD

    0

    9

    AED

    0
  • Biểu lãi suất tiền gửi thanh toán cho tổ chức kinh tế

    STT

    Loại ngoại tệ

    Lãi suất (%/năm)

    1

    CAD

    0

    2

    AUD

    0

    3

    EUR

    0

    4

    GBP

    0

    5

    JPY

    0

    6

    SGD

    0

    7

    AED

    0
  • Interest rates for deposits of Businesses

    Interest rates for deposits of Businesses

    (Excluding Credit Institutions and Branches of Foreign Banks)

    Valid from 04/12/2023

    TERMInterest rates (%p.a.)
    VNDUSD
    Interest Received At MaturityInterest Received In AdvanceInterest Received MonthlyInterest Received Quarterly

     

    		 
    Demand Deposit 0.20       0
    Over Night 0.20       0
    1 week 0.20       0
    2 weeks 0.20       0
    3 weeks 0.20       0
    01 month 2.60 2.53     0
    02 months 2.60 2.53 2.59   0
    03 months 3.00 2.91 2.99   0
    04 months 3.00 2.91 2.98   0
    05 months 3.00 2.91 2.98   0
    06 months 3.90 3.75 3.86   0
    07 months 3.90 3.75 3.86   0
    08 months 3.90 3.75 3.85   0
    09 months 3.90 3.75 3.85   0
    10 months 3.90 3.75 3.84   0
    11 months 3.90 3.75 3.83   0
    12 months 4.60 4.39 4.50 4.52 0
    24 months 4.60 4.39 4.40 4.42 0