Techcombank updates deposit rates as of April 11, 2026, with online deposits offering the highest 12-month rate at 6.90%

Techcombank has updated its deposit rates effective from 11 April 2026. The bank’s rate sheet shows that online deposit rates remain higher than in-branch (counter) rates across all tenors, with the highest online rate at 6.90% per year for a 12-month term.

Online deposit rates (Phat Loc Online)

For online deposits, Techcombank lists the following rates:

• 1–2 months: 4.50%
• 3–5 months: 4.75%
• 6–11 months: 6.70% for amounts of 3 billion VND or more, and 6.60% for other amounts
• 12 months: 6.90%
• 13–36 months: 6.00% for amounts of 3 billion VND or more, and 5.90% for other amounts

In-branch (counter) deposit rates

For on-site deposits, Techcombank’s top rates vary by tenor and balance size:

1–2 months

• Under 1 billion VND: 4.30%
• 3 billion VND or more: 4.40%

3–5 months

• Under 1 billion VND: 4.60%
• 3 billion VND or more: 4.70%

6–11 months

• Under 1 billion VND: 6.30%
• 1–3 billion VND: 6.30%
• 3 billion VND or more: 6.40%

12 months

• Under 1 billion VND: 6.50%
• 1–3 billion VND: 6.50%
• 3 billion VND or more: 6.60%

13–36 months

• Under 1 billion VND: 5.60%
• 1–3 billion VND: 5.60%
• 3 billion VND or more: 5.70%

Key takeaways and impact

The new rate sheet indicates that online deposit rates are higher than counter rates across all tenors. It also highlights that Techcombank’s 6–12 month online rates are notably higher than its 24–36 month online rates.