Deposit interest rate applicable to corporate customers
DEPOSIT INTEREST RATE
APPLICABLE TO CORPORATE CUSTOMERS
(Effective from 18.06.2024)
A. TIME DEPOSIT IN VND:
1. CORPORATE CUSTOMERS:
1.1 DEMAND DEPOSIT IN VNDQ
| DEMAND DEPOSIT INTEREST RATE/ UPSTAIR DEPOSIT INTEREST RATE/ SUPERIOR ACCOUNT INTEREST RATE/ ONLINE DEPOSIT INTEREST RATE | |||||||
| End-of-day balance | Interest rate (%/year) | ||||||
| Below VND 10 billion | 0,01 | ||||||
| From VND 10 billion | 0,05 | ||||||
| DEMAND DEPOSIT WITH BONUS INTEREST RATE | |||||||
| Interest rate applicable = Interest rate of demand deposit + bonus interest rate | |||||||
| Bonus interest rate: 0%/year |
1.2 INTEREST RATE FOR TERM DEPOSIT MADE AT ACB’S COUNTER – TERM END INTEREST PAYMENT:
| Deposit per account (VND million) |
Term-end interest payment (%/year) | |||||||||||||
| 1/2/3 weeks | 01 month | 02 months | 03 months | 04 months | 05 months | 06 months | 09 months | 12 months | 13 months | 15 months | 18 months | 24 months | 36 months | |
| 1 - < 200 | 0.50 | 2.30 | 2.50 | 2.70 | 2.90 | 3.10 | 3.50 | 3.70 | 4.40 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 |
| 200 - < 1,000 | 2.40 | 2.60 | 2.80 | 3.00 | 3.20 | 3.60 | 3.80 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
| 1,000 - < 5,000 | 2.45 | 2.65 | 2.85 | 3.05 | 3.25 | 3.65 | 3.85 | 4.55 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
| ≥ 5,000 | 2.50 | 2.70 | 2.90 | 3.10 | 3.30 | 3.70 | 3.90 | 4.60 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
1.3 INTEREST RATE FOR TERM DEPOSIT MADE AT ACB’S COUNTER – FIXED TIME INTEREST PAYMENT:
| Deposit per account (VND million) |
Periodic interest payment (%/year) | |||||||||
| Monthly interest payment | Quarterly interest payment | |||||||||
| 12 months | 13 months | 15 months | 18 months | 24 months | 36 months | 12 months | 15 months | 18 months | 24 months | |
| 1 - < 200 | 4.25 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.30 | 4.40 | 4.35 | 4.30 |
| 200 - < 1,000 | 4.35 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.40 | 4.40 | 4.35 | 4.30 |
| 1,000 - < 5,000 | 4.40 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.45 | 4.40 | 4.35 | 4.30 |
| ≥ 5,000 | 4.45 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.50 | 4.40 | 4.35 | 4.30 |
1.4 INTEREST RATE FOR ONLINE TERM DEPOSIT
| Deposit per account (VND million) |
Term-end interest payment (%/year) | |||||||||||||
| 1/2/3 weeks | 01 month | 02 months | 03 months | 04 months | 05 months | 06 months | 09 months | 12 months | 13 months | 15 months | 18 months | 24 months | 36 months | |
| 1 - < 200 | 0.50 | 2.80 | 2.90 | 3.10 | 3.20 | 3.30 | 3.90 | 4.00 | 4.70 | 4.80 | 4.80 | 4.80 | 4.80 | 4.80 |
| 200 - < 1,000 | 2.90 | 3.00 | 3.20 | 3.30 | 3.40 | 4.00 | 4.10 | 4.80 | 4.80 | 4.80 | 4.80 | 4.80 | 4.80 | |
| 1,000 - < 5,000 | 2.95 | 3.05 | 3.25 | 3.35 | 3.45 | 4.05 | 4.15 | 4.85 | 4.80 | 4.80 | 4.80 | 4.80 | 4.80 | |
| ≥ 5,000 | 3.00 | 3.10 | 3.30 | 3.40 | 3.50 | 4.10 | 4.20 | 4.90 | 4.80 | 4.80 | 4.80 | 4.80 | 4.80 | |
2. SECURITIES COMPANIES, INSURANCE COMPANIES, FUND AND FUND MANAGEMENT COMPANIES, FINANCIAL INVESTMENT COMPANIES
2.1 DEMAND DEPOSIT IN VNDQ
| DEMAND DEPOSIT INTEREST RATE/ UPSTAIR DEPOSIT INTEREST RATE/ SUPERIOR ACCOUNT INTEREST RATE/ ONLINE DEPOSIT INTEREST RATE | |||||||
| End-of-day balance | Interest rate (%/year) | ||||||
| Below VND 10 billion | 0,05 | ||||||
| From VND 10 billion | 0,10 | ||||||
| DEMAND DEPOSIT WITH BONUS INTEREST RATE | |||||||
| Interest rate applicable = Interest rate of demand deposit + bonus interest rate | |||||||
| Bonus interest rate: 0%/year |
2.2 INTEREST RATE FOR TIME DEPOSIT MADE AT THE COUNTER – TERM END INTEREST PAYMENT:
| Deposit per account (VND million) |
Term-end interest payment (%/year) | |||||||||||||
| 1/2/3 weeks | 01 month | 02 months | 03 months | 04 months | 05 months | 06 months | 09 months | 12 months | 13 months | 15 months | 18 months | 24 months | 36 months | |
| 1 - < 200 | 0.5 | 2.50 | 2.60 | 2.80 | 3.20 | 3.60 | 3.70 | 3.80 | 4.40 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 |
| 200 - < 1,000 | 2.50 | 2.60 | 2.80 | 3.20 | 3.60 | 3.70 | 3.80 | 4.40 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
| 1,000 - < 5,000 | 2.50 | 2.60 | 2.80 | 3.20 | 3.60 | 3.70 | 3.80 | 4.40 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
| ≥ 5,000 | 2.50 | 2.60 | 2.80 | 3.20 | 3.60 | 3.70 | 3.80 | 4.40 | 4.50 | 4.50 | 4.50 | 4.50 | 4.50 | |
2.3 INTEREST RATE FOR TIME DEPOSIT MADE AT THE COUNTER – FIXED TIME INTEREST PAYMENT:
| Deposit per account (VND million) |
Periodic interest payment (%/year) | |||||||||
| Monthly interest payment | Quarterly interest payment | |||||||||
| 12 months | 13 months | 15 months | 18 months | 24 months | 36 months | 12 months | 15 months | 18 months | 24 months | |
| 1 - < 200 | 4.25 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.30 | 4.40 | 4.35 | 4.30 |
| 200 - < 1,000 | 4.25 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.30 | 4.40 | 4.35 | 4.30 |
| 1,000 - < 5,000 | 4.25 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.30 | 4.40 | 4.35 | 4.30 |
| ≥ 5,000 | 4.25 | 4.40 | 4.35 | 4.30 | 4.25 | 4.20 | 4.30 | 4.40 | 4.35 | 4.30 |
B. FOREIGN CURRENCY DEPOSITS (USD, JPY, EUR)
| USD DEPOSIT (%/year) | |||||||
| Term | Interest rate | ||||||
| Non-term deposit | 0,00 | ||||||
| From 1 week to 13 months | 0,00 | ||||||
| JPY DEPOSIT (%/year) | |||||||
| 1/2/3/6/9/12 months | 0,00 | ||||||
| EUR DEPOSIT (%/year) | |||||||
| Non-term deposit | 0,00 | ||||||
NOTE:
- Interest is calculated over 365 days.
- The interest rates in these tables are not applicable to credit institutions.
- Upon agreement between customers and ACB, the applicable interest rate may slightly differ from the interest rates posted above but will not exceed the cap(s) of interest rate regulated from time to time by the State Bank of Vietnam.
- (*) The above schedule of interest rates is applicable to corporate customers who are not banks, non-bank credit institutions (finance companies, financial leasing companies and other non-bank credit institutions), microfinance institutions and people’s funds
- Interest rates of premature withdrawals of VND time deposit: 0.05%/year.