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What is Lien Viet Post Bank of Vietnam's interest rate in February 2024?

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12:01 | 20/02/2024
Does the post office transaction office accept savings deposits? What is the individual deposit interest rate schedule at the Post Office Transaction Office in February 2024? Ngoc Hai - Mong Cai.
Nội dung chính
  1. 1. Does the post office in Vietnam accept savings deposits?
  2. 2. What is the interest rate of Lien Viet Post Bank at the counter in Vietnam in February 2024?
  3. 3. Individual interest rates at the Post Office Transaction Office in Vietnam in February 2024

Hello, Lawnet would like to answer as follows:

See more: Bank deposit interest rates in Vietnam in February 2024. Formula for calculating interest rates

1. Does the post office in Vietnam accept savings deposits?

According to the provisions of Clause 2 of Article 7 of Circular 43/2015/TT-NHNN, the operations of postal transaction offices include:

- Receive savings deposits;

- Open a payment account for individuals;

- Supply of blank checks; withdraw cash from the payment account; Perform domestic payment services within the account balance for individual customers who open accounts at postal transaction offices;

- Perform domestic collection services;

- Cash transfer service; foreign currency payments and payments;

- Insurance business agent according to the Establishment and Operation License of Lien Viet Post Joint Stock Commercial Bank and current legal regulations.

Therefore, postal transaction offices are allowed to perform the operation of receiving savings deposits in accordance with the law.

However, after 07 working days from the date Vietnam Post Corporation divested its capital below 5% of the charter capital of Lien Viet Post Commercial Joint Stock Bank, Postal transaction offices are not allowed to accept savings deposits.

At the same time, the handling of previously received savings deposits from the post office transaction office when not receiving savings deposits is carried out as follows:

- For savings deposits that have not yet matured, the postal transaction office continues to comply with the contents agreed upon with customers;

- When savings deposits are due, the post office transaction office must take measures to pay all customers' savings deposits.

In the event that the due savings deposit is not fully paid, Lien Viet Post Commercial Joint Stock Bank receives and handles it according to internal regulations of the law on savings deposits and termination of post office transaction offices.

(Pursuant to Clause 3 of Article 1 of Circular 11/2023/TT-NHNN)

2. What is the interest rate of Lien Viet Post Bank at the counter in Vietnam in February 2024?

For non-term payment/savings accounts (%/year) is: 0.20 (Interest rate VND)

For regular savings interest rates at the counter (%/year) for individual customers of Lien Viet Post Bank in February 2024, as follows:

(1) For regular customers

Period

Interest rate VND

Prepaid interest

Interest paid monthly

Interest paid quarterly

Interest paid at the end of the period

01 week

–

–

–

0.20

02 weeks

–

–

–

0.20

03 weeks

–

–

–

0.20

01 month

1.79

–

–

1.80

02 months

1.79

1.80

–

1.80

03 months

2.08

2.10

–

2.10

04 months

2.08

2.09

–

2.10

05 months

2.08

2.09

–

2.10

06 months

3.15

3.18

3.19

3.20

07 months

3.14

3.17

–

3.20

08 months

3.13

3.17

–

3.20

09 months

3.12

3.17

3.17

3.20

10 months

3.11

3.16

–

3.20

11 months

3.10

3.16

–

3.20

12 months

4.76

4.89

4.91

5.00

13 months

4.74

4.88

–

5.00

15 months

4.70

4.86

4.88

5.00

16 months

4.68

4.85

–

5.00

18 months

4.65

4.83

4.85

5.00

24 months

4.79

5.05

5.07

5.30

25 months

4.77

5.04

–

5.30

36 months

4.57

4.93

4.95

5.30

48 months

4.37

4.82

4.84

5.30

60 months

4.19

4.71

4.73

5.30

Note:

- Customers who withdraw before maturity will enjoy the lowest non-term interest rate announced at the time of withdrawal.

- For new/renewed deposits with a term of 13 months (according to Regular Savings products and other products in this Notice) and a deposit balance of 300 billion VND or more/Savings book/Deposit Contract, the deposit interest rate at the end of the term is 6.50%/year, monthly interest is 6.30%/year, interest at the beginning of the period (prepaid) is 6.07%/year.

(2) For priority, individual customers


Customer Grouping /
Term/ Interest period

Diamond,
Platinum and Gold tiers

Titanium and Silver Class

Potential Class

Beginning

Monthly

Quarterly

End of term

Beginning

Monthly

Quarterly

End of term

Beginning

Monthly

Quarterly

End of term

01 month

2.09

  

–

2.10

2.09

–

–

2.10

2.09

–

–

2.10

02 months

2.09

2.10

–

2.10

2.09

2.10

–

2.10

2.09

2.10

–

2.10

03 months

2.38

2.40

–

2.40

2.38

2.40

–

2.40

2.38

2.40

–

2.40

04 months

2.38

2.39

–

2.40

2.38

2.39

–

2.40

2.38

2.39

–

2.40

05 months

2.37

2.39

–

2.40

2.37

2.39

–

2.40

2.37

2.39

–

2.40

06 months

3.44

3.47

3.48

3.50

3.24

3.28

3.29

3.30

3.15

3.18

3.19

3.20

07 months

3.43

3.47

–

3.50

3.23

3.27

–

3.30

3.14

3.17

–

3.20

08 months

3.42

3.46

–

3.50

3.22

3.27

–

3.30

3.13

3.17

–

3.20

09 months

3.41

3.46

3.47

3.50

3.22

3.26

3.27

3.30

3.12

3.17

3.17

3.20

10 months

3.40

3.45

–

3.50

3.21

3.26

–

3.30

3.11

3.16

–

3.20

11 months

3.39

3.45

–

3.50

3.20

3.26

–

3.30

3.10

3.16

–

3.20

12 months

4.76

4.89

4.91

5.00

4.76

4.89

4.91

5.00

4.76

4.89

4.91

5.00

13 months

4.74

4.88

–

5.00

4.74

4.88

–

5.00

4.74

4.88

–

5.00

15 months

4.88

5.05

5.07

5.20

4.88

5.05

5.07

5.20

4.79

4.95

4.97

5.10

16 months

4.86

5.04

–

5.20

4.86

5.04

–

5.20

4.77

4.94

–

5.10

18 months

4.82

5.02

5.04

5.20

4.82

5.02

5.04

5.20

4.73

4.92

4.94

5.10

24 months

4.79

5.05

5.07

5.30

4.79

5.05

5.07

5.30

4.79

5.05

5.07

5.30

25 months

4.77

5.04

–

5.30

4.77

5.04

–

5.30

4.77

5.04

–

5.30

36 months

4.57

4.93

4.95

5.30

4.57

4.93

4.95

5.30

4.57

4.93

4.95

5.30

Note:

For Priority Individual Customers, if participating in the Ladder Savings product, the maximum interest rate is up to 5.10%/year applicable to deposits of 5 billion or more, with a deposit term of 13 months, interest paid at the end of the term.

3. Individual interest rates at the Post Office Transaction Office in Vietnam in February 2024

(1) Term Savings/ Personal Account Savings is: 0.20%/year (Interest Rate in VND)

(2) Term savings products (%/year):

Period

Term savings Withdraw interest at the end of the term once

Term savings earn periodic interest

Term savings earn interest in advance

Monthly

Quarterly

01 month

1.80

–

–

1.79

02 months

1.80

1.80

–

1.79

03 months

2.10

2.10

–

2.08

04 months

2.10

2.09

–

2.08

05 months

2.10

2.09

–

2.08

06 months

3.20

3.18

3.19

3.15

07 months

3.20

3.17

–

3.14

08 months

3.20

3.17

–

3.13

09 months

3.20

3.17

3.17

3.12

10 months

3.20

3.16

–

3.11

11 months

3.20

3.16

–

3.10

12 months

5.00

4.89

4.91

4.76

13 months

5.00

4.88

–

4.74

15 months

5.00

4.86

4.88

4.70

16 months

5.00

4.85

–

4.68

18 months

5.00

4.83

4.85

4.65

24 months

5.30

5.05

5.07

4.79

25 months

5.30

5.04

–

4.77

36 months

5.30

4.93

4.95

4.57

48 months

5.30

4.82

4.84

4.37

60 months

5.30

4.71

4.73

4.19

(Source: https://lpbank.com.vn/lai-suat-2/)

Best regards!

 
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