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Seeking a Shariah-compliant fixed deposit-i placement that can be opened fully online? 🏦

The CIMB Malaysia eFixed Deposit-i (eFD-i) Campaign is ongoing, offering promotional profit rates of up to 3.60% p.a. for eligible placements made through CIMB Clicks Web or the CIMB OCTO App 📱.

The campaign runs until 3 Aug 2026, with placements starting from RM1,000 in a single deposit. This makes it suitable for savers looking for a convenient short-to-medium tenor option without visiting a branch.

The promotion is open to new and existing eligible individual customers, CIMB Group staff and sole-proprietorship customers aged 18 years and above. An active CIMB Clicks account is required, along with an active Current Account/-i, Savings Account/-i or Daily Unrestricted Investment Account-i (DURIAN-i) maintained with CIMB.

Placements can be funded using FPX from other banks or via an eligible CIMB Account/-i. Compared with the previous June 2026 round, the 3-month rate of 3.40% p.a. and 7-month rate of 3.60% p.a. remain unchanged, but the earlier 12-month 3.55% p.a. option is no longer listed.

Campaign rates 💹

For a minimum single placement of RM1,000, the following promotional profit rates apply for one cycle only:

Key campaign details

• Campaign period: 1 July 2026 to 3 Aug 2026.
• Minimum placement: RM1,000 in a single deposit.
• Eligible tenors: 3 months and 7 months.
• Placement channels: CIMB Clicks Web through the official campaign or direct link, CIMB website promotion page, eDM link, or CIMB OCTO App.
• Product eligibility: This campaign applies only to eFD-i (Maturity Returns). eFD-i (Monthly Returns) and eFD-i (Why Wait) are not included.
• Product selection in CIMB OCTO App: Select Fixed Deposit-i – Maturity Returns.
• Funding methods: FPX from other banks or eligible CIMB Account/-i, including CIMB Current/Savings Account/-i and DURIAN-i.
• Profit payment: Profit is paid upon maturity and may be credited into the nominated CIMB CASA/-i or DURIAN-i, or added to the principal, depending on the selected profit payment mode.
• PIDM note: CIMB eFD-i and CIMB CASA/-i are protected by PIDM up to RM250,000 for each depositor, while DURIAN-i is not protected by PIDM.

Important notes before placing funds 🔎

• The promotional rates apply for one cycle only. Upon maturity, the campaign rates will no longer apply.
• The principal and profit earned will be automatically renewed or rolled over for the same tenor at CIMB’s prevailing board rate or staff rate, where applicable.
• The promotional rates cannot be combined with other offers, promotions or privileges unless permitted by CIMB.
• Early withdrawal requires a complete upliftment or withdrawal of the balance in the eFD-i account. No profit will be paid if the eFD-i is withdrawn before maturity 🔻.
• For FPX placements, CIMB Clicks FPX service is not available daily from 12:00am to 6:00am, and the transaction remains subject to the other bank’s internet banking availability and transfer limits.
• No fee is charged for eFD/eFD-i placement via FPX.
• For unsuccessful FPX placements, any deducted amount will be refunded to the respective bank account within seven business days.

How to place CIMB eFD-i online

1. Log in to CIMB Clicks Web or open the CIMB OCTO App.
2. For CIMB Clicks Web, use the official CIMB campaign or direct link for the promotional placement path.
3. For CIMB OCTO App, tap Apply and choose Fixed Deposit-i – Maturity Returns.
4. Enter a placement amount from RM1,000.
5. Select the preferred tenor: 3 months or 7 months.
6. Choose the funding source, either FPX or an eligible CIMB Account/-i.
7. Select the preferred profit payment mode.
8. Before confirming, check that the rate shown on screen matches the campaign rate.

Who is not eligible?

This campaign is not open to SMEs, enterprise banking customers, commercial customers, corporate customers and entities such as partnerships, public listed companies, private limited companies, charitable or non-profit organisations, societies and professional partnerships. Individuals below 18 years old are also not eligible.

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

Overall, the CIMB eFD-i Campaign offers a simple online option for savers who prefer a Shariah-compliant placement with a low entry amount, clear short-to-medium tenors and profit payment upon maturity. Always review the on-screen rate and placement details before confirming the transaction. ✅

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