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CIMB is running a limited-time eFixed Deposit (eFD) campaign with promotional returns of up to 3.55% p.a. for eligible online placements made through CIMB Clicks or the CIMB OCTO App.

Placements must be funded via FPX (other banks) or selected CIMB accounts to see the campaign rates.

For folks who prefer a more predictable way to grow savings, fixed deposits are often used to “lock in” a rate for a chosen tenor. This promo is designed for customers who can keep funds aside for a short-to-mid term period, while still enjoying the convenience of placing everything digitally. These rates offer an increase of up to 0.15% as compared to the previous round

What is CIMB eFixed Deposit (eFD)?

CIMB eFD is a digital fixed deposit placement made via CIMB’s online banking channels. In this campaign, CIMB’s official Terms & Conditions are listed under eFD January 2026, so customers should use the campaign placement path (for example, through CIMB’s promo page links within Clicks / the app) to ensure the promotional rate is displayed before confirming the placement.

Campaign rates (one-cycle promo)

During the campaign period, eligible customers who place a minimum of RM1,000 into eFD can enjoy the following Campaign Rates for one cycle, depending on the selected tenor:

Tip: If the goal is to maximise the promo rate, the table shows 3.55% p.a. is available for both 6 months and 12 months. If flexibility matters more, a shorter tenor may be preferred even if the rate is slightly lower.

Who can benefit from this CIMB eFD promo?

• Online-first savers who prefer placing fixed deposits via web/mobile without branch visits.
• Customers with RM1,000 and above ready for a single placement for 3/6/12 months.
• Those managing cashflow who want clearer returns and can commit funds for the chosen tenor.

Reminder: Fixed deposits are best left until maturity. If customers uplift/withdraw the eFD before maturity, the uplift must be a complete uplift and customers will not earn any profit (campaign rate, board rate, or staff rate) for that placement.

How to qualify (at a glance)

• Campaign period: 9 January 2026 – 31 March 2026. Note: the up to 3.55% p.a. rates shown below are effective 21 January 2026; earlier placements (9-20 Jan) had different rates.
• Place the deposit within 21 January 2026 – 31 March 2026.
• Make a single placement of at least RM1,000 for 3 months / 6 months / 12 months.
• Place via CIMB Clicks (campaign direct link / promo page / eligible eDM link) or via CIMB OCTO App (Apply → Fixed Deposit).
• Fund via FPX (other banks) or selected CIMB accounts (CASA/-i / DURIAN-i).

How to place CIMB eFD online (quick guide)

1. Log in to CIMB Clicks Web or open the CIMB OCTO App.
2. Go to the fixed deposit placement section and enter through the campaign path (for example, via CIMB’s promo links/pages) so the promo rate is shown.
3. Select eFD, then choose the preferred tenor: 3 / 6 / 12 months.
4. Key in the placement amount (minimum RM1,000) and choose the funding source (FPX or eligible CIMB Account/-i).
5. Before confirming, customers should double-check the rate displayed on-screen matches the campaign rate for the selected tenor.

Important notes customers should know

1. Promo eligibility depends on the correct placement route: Customers must open and place eFD online via the direct links on the CIMB Clicks website promotion page, CIMB website promotion page or eDM, and meet the minimum placement of RM1,000 for the stated tenors during the campaign period.
2. One-cycle campaign rate only: Campaign Rates apply for one cycle. Upon maturity, the eFD will be automatically renewed to its respective tenor, and the prevailing CIMB board rate for eFD at renewal time will apply.
3. Not stackable unless stated: Campaign Rates cannot be used together with other offers/promotions/privileges unless CIMB states otherwise.
4. Funding sources: Transfer from CIMB can be made using the customer’s own CIMB Account/-i including CIMB Current/Savings Account/-i and Daily Unrestricted Investment Account-i (DURIAN-i), or via FPX from other banks.

Quick planning pointers (useful for first-time eFD placers)

• Set a maturity reminder: Since renewal happens automatically, customers may want to note the maturity date to decide whether to roll over or adjust savings plans.
• Match the tenor to the goal: Shorter tenors may suit short-term plans, while longer tenors may suit funds that can be left untouched longer.
• Keep records: Saving screenshots/confirmations of the displayed promo rate and placement details can help with personal tracking.

CIMB’s eFD campaign is a straightforward option for customers who want to place a fixed deposit online from RM1,000 and potentially enjoy promotional rates of up to 3.55% p.a. for selected tenors. As with any fixed deposit, the key is choosing a tenor that matches cashflow needs, entering through the correct campaign path to see the promo rate, and keeping an eye on auto-renewal terms at maturity. 😊

👉 Full Terms & Conditions: Read here (PDF).
📌 For complete and latest campaign information directly from the bank, refer to the official CIMB promotion page here.

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