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Searching for competitive fixed-term returns without a branch visit? 🏦

CIMB Malaysia’s eFixed Deposit/-i (eFD/-i) August 2026 Campaign is now running, with promotional rates of up to 3.65% p.a. for qualifying online placements. Choose between conventional eFD and Shariah-compliant eFD-i (Maturity Returns), depending on the selected tenor and placement channel.

The campaign runs from 4 August 2026 to 30 September 2026, both dates inclusive. A minimum single placement of RM1,000 is required, making the offer accessible for short- and medium-term savings goals. 🌺

Campaign highlights at a glance

• Highest campaign rate: 3.65% p.a. for a 12-month eFD-i placement.
• Minimum placement: RM1,000 in one transaction.
• Available tenors: 3, 6, 7 or 12 months, with product availability varying by tenor.
• Placement channels: CIMB Clicks Web and, for eFD-i, the CIMB OCTO App.
• Funding options: Eligible CIMB CASA/-i or DURIAN-i accounts, plus transfers from other banks through FPX.
• Campaign-rate cycle: One cycle only.

Campaign rates 💹

Compare the eligible product and tenor carefully, as the 3.65% p.a. headline rate applies only to the 12-month eFD-i option.

A dash indicates that no campaign rate is offered for that product and tenor.

How to make a placement 📱

1. Open the official CIMB eFD/-i campaign page and select one of the four promotional routes: eFD via FPX, eFD via an own CIMB Account/-i, eFD-i via FPX or eFD-i via an own CIMB Account/-i.
2. For a CIMB Clicks Web placement, enter through the direct promotional link on a CIMB promotion page or an eligible eDM. The eDM option applies only to customers who receive it.
3. For eFD-i through the CIMB OCTO App, select Apply followed by Fixed Deposit-i – Maturity Returns. Conventional eFD placements use CIMB Clicks Web.
4. Select an eligible product and tenor, then enter a single placement of at least RM1,000.
5. Choose FPX from another bank or an eligible CIMB CASA/-i or DURIAN-i as the funding source, subject to the relevant transfer limit.
6. Review the maturity instructions and confirm that the rate displayed on screen matches the selected campaign product and tenor before submitting the placement.

For an FPX placement, the maximum amount per transaction follows the lower limit set by CIMB or the funding bank. When an FPX placement is unsuccessful after funds are deducted, the amount should be returned to the originating bank account within seven business days; contact the relevant bank if the refund has not arrived by then.

Eligibility

FPX timing and fees: CIMB Clicks FPX placement is unavailable daily from 12.00am to 6.00am and remains subject to the funding bank’s internet banking availability. No fee is charged for eFD/eFD-i placement through FPX. ⏰

The campaign is open to eligible new and existing individual customers, CIMB Group staff including contract and probationary staff, and sole-proprietorship customers aged 18 years or above. An active CIMB Clicks account and an active eligible CIMB CASA/-i or DURIAN-i account maintained with CIMB are required for participation.

Who is not eligible?

The campaign excludes small and medium enterprise, enterprise banking, commercial and corporate customers. Excluded entities may include partnerships, public listed companies, private limited companies, charitable or non-profit organisations, societies and professional partnerships. Individuals below 18 years old are also excluded.

Important conditions before placing funds ⚠️

• The campaign applies only to eFD and eFD-i (Maturity Returns). eFD-i Monthly Returns and eFD-i Why Wait are excluded.
• Interest or profit at the campaign rate is payable upon maturity of the applicable tenor.
• The maturity payment option selected during placement affects how the proceeds are handled. Profit may be credited to the designated CIMB CASA/-i or DURIAN-i, or added to the principal, according to the selected option.
• A premature withdrawal requires a complete upliftment of the eFD/-i balance, with no interest or profit payable for the withdrawn placement.
• The promotional rate applies for one cycle only. At maturity, the campaign rate ends and CIMB’s terms provide for automatic renewal or rollover for the same tenor at the prevailing board rate or applicable staff rate. Check the maturity and payment selection carefully before confirming.
• The eFD/-i must be linked to an eligible designated CIMB CASA/-i or DURIAN-i for placement, payment and withdrawal purposes.
• Campaign rates cannot be combined with other offers, promotions or privileges unless otherwise specified by CIMB.
• CIMB may vary the campaign period, rates or criteria after giving notice through its stated notification channels. Rate changes do not apply retrospectively to placements completed before the effective date of the revision.

PIDM protection and liquidity reminder ✅

Eligible eFD/-i deposits are protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor. DURIAN-i is not protected by PIDM. Consider upcoming cash needs before selecting a tenor, as an early upliftment removes the entire interest or profit entitlement for that placement.

Quick return illustration

A RM10,000 placement in the 12-month eFD-i option at 3.65% p.a. works out to an indicative gross return of about RM365 for a full year. This simple illustration excludes any product-specific calculation adjustments; refer to CIMB’s final placement confirmation for the actual maturity amount.

Useful CIMB links

📌 CIMB FPX eFD/eFD-i FAQ (PDF)
📌 Open a CIMB Account/-i online
📌 CIMB OCTO App
📌 CIMB Clicks
📌 CIMB Fixed Deposit/-i product overview
📌 CIMB FD-i profit rates
📌 Full Terms & Conditions: Read here (PDF)
📌 Official CIMB campaign page: Visit CIMB promotion page

This campaign is most relevant for funds that can remain placed until maturity. The 12-month eFD-i delivers the top 3.65% p.a. rate, while the 6-month eFD and 7-month eFD-i options offer 3.60% p.a. with a shorter commitment. 🏦

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