BIDV Publishes Personal Deposit Rates For October 2026
Joint Stock Commercial Bank for Investment and Development of Vietnam applies a personal customer deposit interest rate framework ranging from 0.1-6.8% per year, ko.laodong.vn reported on Oct. 6, 2026. A survey by the outlet outlines standard counter deposit terms alongside specialized online yields.
Counter Deposit Rates By Term Length
For standard counter deposits, BIDV lists 1-to-2-month terms at 2.1% per year and 3-to-5-month terms at 2.4% per year. Mid-length terms of 6 to 9 months earn 3.5% annually. Longer terms increase significantly, with 12-to-18-month deposits yielding 5.9% and 24-to-36-month deposits paying 6% per year.
Online Deposits Offer Higher Interest Rates
Online deposits command higher rates across most maturities, according to the ko.laodong.vn report. Terms spanning 1 to 5 months yield 4.75% annually, while 6-to-11-month online deposits reach 6.6%. The peak online rate of 6.8% per year applies to 12-month, 13-month, 24-month, and 36-month tenors. Deposits for 15 and 18 months earn 6.6%.
The bank calculates interest using a standard formula: Interest equals the deposit amount multiplied by the annual interest rate percentage divided by 12, then multiplied by the number of deposit months. For example, a customer depositing 500 million dong online for a 36-month term at 6.8% earns 1억 2백만 동 in total interest.
Frequently Asked Questions About BIDV Deposit Rates
Are BIDV deposit interest rates subject to change?
Yes. The published figures serve as reference rates only and shift depending on market conditions and timing.
Where can customers obtain specific financial advice on these rates?
Account holders can request detailed consultations by visiting the nearest BIDV transaction branch or calling the bank hotline.
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