Fixed Deposit Calculator — Vietnam
Calculate your fixed-deposit maturity value and interest in VND at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
Fixed deposit rates in Vietnam (2026)
Vietnam's state-owned Big 4 banks (Vietcombank, BIDV, VietinBank and Agribank) list about 5.9%–6.0% for a 12-month VND deposit. Joint-stock banks such as LPBank, Bac A Bank and VIB post about 7%–7.3%, and individual offers go higher (PVcomBank lists 9.0% for 12 months).
At around 6%, the fixed-deposit rate in Vietnam is relatively high in nominal terms.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every 150.000.000 ₫ deposited at 6.00% for 5 years (quarterly compounding):
- Maturity value: 202.028.251 ₫
- Interest earned: 52.028.251 ₫
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Vietnam
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A named-bank rate check: Agribank and Vietcombank (2026)
Agribank's own rate page, checked on 12 October 2026, lists 6.0% a year for a 12-month VND deposit for individuals. Simplize's rate table dated 11 October 2026 lists Vietcombank, BIDV, VietinBank and Agribank at 5.90% for 12 months and shows a market high of 9.00% at PVcomBank. Mid-2026 reporting put the State Bank of Vietnam's policy (refinancing) rate at 4.5%, with analysts expecting it to stay there through 2026.
Frequently Asked Questions
How is FD maturity calculated in Vietnam?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Vietnam?
As a 2026 reference, fixed-deposit rates are around 6% per year, varying by bank and tenure. Vietnam's state-owned Big 4 banks (Vietcombank, BIDV, VietinBank and Agribank) list about 5.9%–6.0% for a 12-month VND deposit. Joint-stock banks such as LPBank, Bac A Bank and VIB post about 7%–7.3%, and individual offers go higher (PVcomBank lists 9.0% for 12 months).
Is FD interest taxable in Vietnam?
Interest on savings deposits at Vietnamese credit institutions is exempt from personal income tax, so banks withhold nothing.
Is a fixed deposit safe in Vietnam?
Fixed deposits carry no market risk. Deposit Insurance of Vietnam (DIV) pays up to VND 350 million per person per insured institution, covering principal and interest, under Circular 05/2026/TT-NHNN effective 13 July 2026 (up from VND 125 million). They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Vietnam?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
What is the 12-month savings rate in Vietnam?
The Big 4 state banks list about 5.9%–6.0% (Agribank 6.0%; Vietcombank 5.9% per Simplize, 11 October 2026). Joint-stock banks often post about 7% or more.
Is savings interest taxed in Vietnam, and how much is insured?
Deposit interest at Vietnamese banks is exempt from personal income tax. Since 13 July 2026 deposit insurance pays up to VND 350 million per person per bank.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Agribank (accessed 12 October 2026): Lãi suất. Simplize (accessed 12 October 2026): Lãi suất ngân hàng. Thị trường Tài chính Tiền tệ (accessed 12 October 2026): Nâng hạn mức trả bảo hiểm tiền gửi tối đa lên 350 triệu đồng từ ngày 13/7/2026. Finhay (accessed 12 October 2026): Lãi suất tiết kiệm ngân hàng 2026. Tạp chí Kinh tế Tài chính (accessed 12 October 2026): Tỷ giá ổn định hơn, Ngân hàng Nhà nước nhiều khả năng giữ nguyên lãi suất điều hành.