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Interest rate

Interest rates apply from
01/10/2020 1:00 AM

Unit %/year.

See more interest rate issued

Please contact your nearest branch for the latest interest rate information.
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Rates
Period Rate Save Normal Rate save online rate save future
no period 0.20
01 Month 3.75 3.85
03 Month 3.90 4.00 3.90
06 Month 5.80 5.90 6.30
09 Month 6.00 6.10
12 Month 6.30 6.40
13 Month
15 Month 6.40 6.50
18 Month 6.50 6.60
21 Month 6.60 6.70
24 Month 6.65 6.75
36 Month 6.70 6.80
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Notes

(*): Applicable to Current Account with amount at least 2.5 million VND

1. For term deposit: Prepaid interest payment method is not applicable.

2. Preferential interest rates

- For Regular Term-Savings with terms of 1 month or more; 12 months – Maturity Saving and Term Deposit with terms of 1 month or more: Amount ≥ 1B (VND): plus (+) 0.10%p.a to the interest rates

- For E-savings with terms of 1 month or more:

1B (VND) ≤ Amount < 5B (VND) : plus (+) 0.10%p.a to the E-Saving interest rates 

Amount   ≥ 5B (VND): plus (+) 0.20%p.a to the E-Saving interest rates 

- Interest rates must not exceed deposit rate cap for demand deposit and under 1-month term deposit (0.20% p.a.).

- Interest rates must not exceed deposit rate cap for term deposit from 1-month to under 6-month terms (4.00% p.a.).

3. For current 13-month savings deposit: Upon the maturity date, the deposit shall be renewed and applicable to 12-month regular term savings interest rate.

4. For 12-month and 13-month term and savings deposit with amount of at least 500 billion VND: Applicable to OCB’s Base Interest Rate Table (please refer to Base Interest Rate Table).

5. In case the customer withdraws term deposit prior to maturity: The customer must notify OCB in advance at least 1 working day before the withdrawal. If OCB could meet the customer’s demand, such withdrawal shall be conducted immediately. The applicable interest rate in this case shall be the lowest demand deposit interest rate, namely 0.10% p.a.

6. The aforementioned interest rates are applicable to regular customers. OCB may consider applying other proper interest rates in each period depending on deposit terms, amount and customer loyalty, in compliance with the State Bank of Vietnam’s regulations.

Base rate for Retail Customers
Type of base rate Base rate (%/Year)
Lãi suất cơ sở 12 tháng 8.10
Lãi suất cơ sở 13 tháng 8.20
Rates
Period End of period [% year]
no period 0.00
01 Month 0.00
02 Month 0.00
03 Month 0.00
04 Month 0.00
05 Month 0.00
06 Month 0.00
07 Month 0.00
08 Month 0.00
09 Month 0.00
10 Month 0.00
11 Month 0.00
12 Month 0.00
Base rate for Retail Customers
Type of base rate Base rate (%/Year)
Rates
Period End of period Each month Each 3 months Each 6 months Begin of period
no period 0.10
01 Week 0.20
02 Week 0.20
03 Week 0.20
01 Month 3.55
02 Month 3.65 3.64
03 Month 3.65 3.63
04 Month 3.65 3.63
05 Month 3.75 3.72
06 Month 5.40 5.34 5.36
07 Month 5.40 5.32
08 Month 5.40 5.31
09 Month 5.50 5.40 5.42
10 Month 5.50 5.38
11 Month 5.50 5.37
12 Month 5.80 5.65 5.67 5.71
18 Month 6.00 5.75 5.78 5.82
21 Month 6.00 5.71 5.74
From 24M and above 6.10 5.76 5.79 5.83
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Base rate for Corporate Customers
Type of base rate Base rate (%/Year)
Lãi suất cơ sở 12 tháng 8.10
Lãi suất cơ sở 06 tháng 5.90
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Rates
Period End of period [% year]
no period 0.00
01 Month 0.00
02 Month 0.00
03 Month 0.00
04 Month 0.00
05 Month 0.00
06 Month 0.00
07 Month 0.00
08 Month 0.00
09 Month 0.00
10 Month 0.00
11 Month 0.00
12 Month 0.00
13 Month 0.00
Base rate for Corporate Customers
Type of base rate Base rate (%/Year)
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