Fixed deposits are one of the most popular and secure investment options for individuals looking to save money while earning a steady interest income. In Bangladesh, many banks offer fixed deposit schemes, and each bank sets its own interest rates based on various factors such as the deposit amount, tenure, and the current economic conditions.
Choosing the right bank for a fixed deposit can make a significant difference in the returns you earn. In this article, we will explore the top banks in Bangladesh offering competitive fixed deposit interest rates in 2025, helping you make an informed decision about where to invest your money.
Understanding Fixed Deposit Accounts
A fixed deposit (FD) is a financial product offered by banks that allows individuals to deposit a lump sum amount for a fixed tenure at an agreed interest rate. The money deposited in an FD account earns interest over the specified period, and the principal amount is returned to the depositor at the end of the tenure. Fixed deposits are considered low-risk investment options because they are not subject to market volatility, providing a predictable and secure source of income.
Interest rates on fixed deposits in Bangladesh vary based on factors such as the duration of the deposit and the bank’s policies. In general, longer-term deposits offer higher interest rates. Fixed deposit accounts also come with different features, including monthly, quarterly, or yearly interest payouts, which can be selected according to the investor’s needs.
Best Fixed Deposit Interest Providers in Bangladesh
BRAC Bank
BRAC Bank is one of the leading private commercial banks in Bangladesh, offering a wide range of financial products, including fixed deposit schemes. The bank is known for its customer-centric services and competitive interest rates. BRAC Bank offers flexible fixed deposit tenures ranging from one month to five years, with interest rates that are among the highest in the industry.
In 2025, BRAC Bank’s fixed deposit interest rates are particularly attractive for individuals looking for a stable investment option. The bank offers higher interest rates for longer tenures, making it an appealing choice for those who do not need immediate access to their funds. BRAC Bank also offers interest payout options that cater to different financial goals, including monthly, quarterly, and annual payouts.
BRAC Bank’s strong reputation, robust financial stability, and reliable customer service make it a top choice for fixed deposit investors in Bangladesh.
Dutch-Bangla Bank
Dutch-Bangla Bank is another leading player in the banking sector in Bangladesh, well-regarded for offering attractive interest rates on fixed deposits. The bank’s fixed deposit products are designed to provide high returns while ensuring security for the investor’s principal amount. Dutch-Bangla Bank offers a variety of fixed deposit options with flexible terms and competitive interest rates that vary depending on the deposit amount and tenure.
In 2025, Dutch-Bangla Bank continues to offer competitive fixed deposit interest rates, especially for long-term deposits. The bank also provides different interest payout options, including monthly, quarterly, and at maturity. Dutch-Bangla Bank’s reputation for excellent customer service, along with its strong financial standing, makes it a preferred choice for fixed deposit investors looking for reliable and secure investment options.
Eastern Bank Limited
Eastern Bank Limited (EBL) is one of the most prominent private banks in Bangladesh. Known for its innovative banking solutions and strong financial performance, EBL offers competitive fixed deposit schemes for individual investors. The bank provides flexible tenures ranging from a few months to several years, with attractive interest rates.
In 2025, Eastern Bank continues to offer some of the most competitive fixed deposit interest rates in Bangladesh, particularly for medium-term deposits. The bank also provides the option for monthly interest payouts, which can be an attractive feature for investors seeking regular income from their fixed deposits. Eastern Bank’s strong focus on customer satisfaction and its efficient digital banking services make it an excellent choice for those interested in fixed deposit investments.
City Bank
City Bank is another prominent name in Bangladesh’s banking sector, offering a range of fixed deposit schemes with competitive interest rates. The bank has built a strong reputation for providing reliable banking services and for its focus on meeting the financial needs of its customers.
In 2025, City Bank offers attractive fixed deposit interest rates, especially for longer-term deposits. The bank provides a variety of deposit terms, allowing customers to choose the one that suits their financial goals. City Bank also offers monthly and quarterly interest payout options, which are popular with customers looking for regular income streams from their investments.
City Bank’s robust customer service, transparent policies, and high interest rates make it a top contender for those seeking a stable investment opportunity in fixed deposits.
Standard Chartered Bank
Standard Chartered Bank is a leading international bank with a strong presence in Bangladesh. Known for its global banking services and expertise, Standard Chartered offers a wide range of investment products, including fixed deposit schemes with attractive interest rates.
In 2025, Standard Chartered Bank continues to offer competitive fixed deposit interest rates, especially for individuals who prefer short to medium-term investments. The bank provides different interest payout options, including monthly, quarterly, and at maturity. One of the key features of Standard Chartered’s fixed deposit offering is its flexibility, allowing investors to select the tenure and payout frequency that best suits their needs.
Standard Chartered Bank’s international expertise, customer-centric services, and strong reputation in the financial industry make it an excellent option for fixed deposit investors in Bangladesh.
Factors to Consider When Choosing a Fixed Deposit Provider
When choosing a bank for your fixed deposit investment in Bangladesh, there are several factors to consider:
Interest Rates
The primary factor that most investors consider is the interest rate. Higher interest rates will result in better returns, so it is important to compare the rates offered by different banks. Longer-term deposits typically offer higher interest rates, but it is also essential to check the rate for the specific tenure you are interested in.
Tenure Flexibility
Banks offer fixed deposit schemes with varying tenures. Some banks provide short-term options (as short as one month), while others offer longer-term options (up to five years or more). Depending on your financial goals and liquidity requirements, you should choose a bank that offers the right tenure for your investment.
Interest Payout Options
Fixed deposits can provide interest payouts in different frequencies, such as monthly, quarterly, annually, or at maturity. If you require regular income from your investment, choose a bank that offers monthly or quarterly interest payouts. If you are looking for a lump sum payout at maturity, then a fixed deposit with annual or maturity-based interest payouts might be more suitable.
Customer Service
A bank’s customer service is crucial when managing fixed deposits, especially if you need assistance with account management, withdrawals, or queries related to your investment. Look for a bank with a good reputation for customer service and an efficient process for handling customer requests.
Financial Stability
It is essential to choose a bank that is financially stable and has a good track record in the industry. A financially strong bank is more likely to provide reliable and secure fixed deposit services, ensuring that your principal amount and interest are protected.
Conclusion
In 2025, the banks offering the best fixed deposit interest rates in Bangladesh include BRAC Bank, Dutch-Bangla Bank, Eastern Bank Limited, City Bank, and Standard Chartered Bank. Each of these banks provides competitive interest rates, flexible tenures, and a range of payout options that can suit various financial goals. By considering factors such as interest rates, tenure flexibility, and customer service, investors can make informed decisions to maximize their returns from fixed deposit investments. Fixed deposits remain one of the safest and most stable investment options for those looking to earn consistent returns with minimal risk in Bangladesh.