Bank interest rates today April 3, 2024: Suddenly an interest rate of 9.5%/year appeared

Bank interest rates today April 3, 2024, according to a survey by reporters of Industry and Trade Newspaper on the websites of 35 banks, only 1 bank recorded adjusting deposit interest rates, SCB. Notably, a bank appeared in the market paying deposit interest rates of up to 9.5%/year without stating conditions on the amount of deposits.

Specifically, SCB has just officially reduced deposit interest rates for deposit terms from 6 – 36 months with a reduction of 0.1 percentage point. Accordingly, the deposit interest rate for terms from 6 – 11 months at SCB is 2.95%/year. This interest rate is almost the lowest in the market and is currently only 0.05 percentage points higher than the deposit interest rate in the same period at Agribank. Deposit interest rates for terms from 12 – 36 months are set by SCB to 3.95%/year. This is the lowest deposit interest rate in the market, lower than the big 4 banks (currently listed at 4.6 – 4.7%/year).

SCB maintains the deposit interest rate for short terms, 1 – 2 month term has an interest rate of 1.65%/year, 3 – 5 month term has an interest rate of 1.95%/year.

Bank interest rates today April 3, 2024: Suddenly an interest rate of 9.5%/year appeared
In April, three banks reduced deposit interest rates: Vietcombank, PGBank, and SCB

Thus, this April, there were 3 banks reducing deposit interest rates: Vietcombank, PGBank, and SCB.

According to financial experts, Associate Professor, PhD. Dinh Trong Thinh, the interest rate trend in April will still decrease. The reason, according to this expert, is that credit growth is still very low. Banks are having to prioritize lending instead of mobilizing.

“There is a large amount of excess money in banks, especially short-term deposits, so it is difficult for deposit interest rates to increase again in the short term,” Mr. Thinh said.

DEPOSIT INTEREST RATE SCHEDULE AT BANKS ON April 3, 2024

BANK

1 MONTH

3 MONTHS

6 MONTHS

9 MONTHS

12 MONTHS

18 MONTHS

VIETBANK

3.1

3.5

4,6

4.8

5.3

5.8

OCB

3

3.2

4,6

4.7

4.9

5.4

HDBANK

2.95

2.95

4,6

4.4

4.8

5.7

NCB

3.3

3.5

4.55

4.65

5

5.5

NAM A BANK

2.9

3,4

4.5

4.8

5.3

5.7

VIET A BANK

3.1

3,4

4.5

4.5

5

5.3

ABBANK

3

3

4,3

4.1

4.1

4.1

BAOVIETBANK

3

3.25

4,3

4.4

4.7

5.5

PVCOMBANK

2.85

2.85

4,3

4,3

4.8

5.1

DONG A BANK

3.3

3.3

4,3

4,3

4.8

5

SHB

2.8

3

4.2

4.4

4.9

5.2

KIENLONGBANK

3

3

4.2

4,6

4.8

5.3

BAC A BANK

2.8

3

4.2

4,3

4,6

5.1

VPBANK

2,4

2.7

4.2

4.2

4.5

4.5

BVBANK

2.85

3.05

4.05

4.35

4.65

5.25

LPBANK

2.6

2.7

4

4.1

5

5,6

VIB

2.5

2.8

4

4

4.8

CBBANK

3.1

3.3

4

3.95

4.15

4.4

GPBANK

2,3

2.82

3.95

4.2

4.65

4.75

OCEANBANK

2.6

3.1

3.9

4.1

4.9

5.2

EXIMBANK

3.1

3,4

3.9

3.9

4.9

5.1

MSB

3.5

3.5

3.9

3.9

4,3

4,3

PGBANK

2.6

3

3.8

3.8

4,3

4.8

SAIGONBANK

2,3

2.5

3.8

4.1

5

5,6

TPBANK

2.5

2.8

3.8

4.7

5

SACOMBANK

2,3

2.7

3.7

3.8

4.7

4.9

TECHCOMBANK

2.25

2.55

3.65

3.7

4.55

4.55

MB

2,2

2.6

3.6

3.7

4,6

4.7

ACB

2,3

2.7

3.5

3.8

4.5

SEABANK

2.7

2.9

3.2

3,4

3.75

4,6

BIDV

1.8

2,1

3.1

3.1

4.7

4.7

VIETINBANK

1.7

2

3

3

4.7

4.7

VIETCOMBANK

1.7

2

3

3

4.7

4.7

AGRIBANK

1.6

1.9

2.9

2.9

4,6

4,6

SCB

1.65

1.95

2.95

2.95

3.95

3.95

In contrast to bringing deposit interest rates to a record low, the market suddenly appeared banks paying deposit interest rates of up to 9.5%/year without stating conditions on the amount of deposits.

Specifically, VietBank said that the applicable interest rate for 13-month term deposits is up to 9.5%/year. However, unlike other banks that have very difficult conditions regarding the minimum deposit amount of up to hundreds of billions of dong to enjoy unusually high interest rates, VietBank does not announce specific conditions to enjoy the interest rates. above, except for the 13-month term, with interest paid at the end of the term.

The deposit interest rate of 9.5%/year was only revealed by VietBank in the average lending interest rate notice recently announced by this bank. This is also the bank’s medium and long-term lending interest rate, while the short-term lending interest rate is 9%/year.

Notably, according to the online deposit interest rate table published by VietBank, the highest interest rate is 5.8%/year, applicable to deposits with terms from 18 – 36 months. This is almost the highest savings interest rate on the market today.

In addition to VietBank with a deposit interest rate of up to 9.5%/year, the market has long had “special interest rates” maintained by a number of banks including: Dong A Bank, HDBank, MSB, ACB, PVCombank , ABBank,…

According to the survey, Dong A Bank is still maintaining a “special interest rate” of 7.5%/year for deposits with a term of 13 months or more with a deposit amount of 200 billion VND.

At ACB, the “special interest rate” applied to 13-month term deposits is 5.6% for deposit accounts of 200 billion VND or more (while the normal interest rate for this term is 4.4%/year). year).

At PVCombank, the over-the-counter deposit interest rate for 12 – 13 month terms for regular customers is 4.5% – 4.7%/year. However, the “special interest rate” is up to 9.5%/year (last month it was 10%/year), applicable to deposit accounts of VND 2,000 billion or more.

At MSB, the announced interest rate for over-the-counter deposits for 12-13 month terms is only 4%/year. But for customers depositing 500 billion VND or more, the applicable interest rate is 8.5%/year.

At HDBank, the special interest rates applied to over-the-counter deposits for 12 and 13 month terms are 7.7% and 8.1%/year, respectively. This interest rate policy is only for deposit accounts of 500 billion VND or more, while normal interest rates for the same term are only 4.7 – 4.9%/year.

However, a “mysterious factor” has never announced a “special interest rate” in the deposit interest rate schedule but maintains this interest rate up to 9.65%/year, the highest level in the current market. now ABBank. This bank is maintaining the highest announced online savings interest rate of only 4.1%/year. However, ABBank uses the base lending interest rate for individual customers (applied from February 24) of 9.65%/year to apply to deposit interest rates for savings deposits from 1,500 VND. billion VND or more.

The savings interest rate is 9.65%/year, ABBank offers customers with a 13-month term savings deposit, receiving interest at the end of the term and must have approval from the general director.

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