CIMB Bank PH review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CIMB Bank PH runs an easy access savings account alongside fixed rate personal loans, and it is the borrowing that sets it apart. It suits Philippine borrowers who want a direct lender, a 12 to 60 term and an arrangement fee waived when the loan lands in a CIMB account.
Key facts
- Best for
- Philippine borrowers who want a fixed rate personal loan with the arrangement fee waived.
- Rate type
- Fixed↗
- Term
- 12 to 60 months↗
- Access terms
- Withdraw through VISA debit card or any BancNET ATM↗
- Account kind
- Easy access↗
- Legal entity
- CIMB Bank Philippines, Inc.↗
- Headquarters
- Philippines↗
- Support channels
- Help-centre↗
- Pricing model
- Fixed rate
- Official website
- cimbbank.com.ph
Loans
- APR
- 18%↗
- Loan amount
- ₱30,000 to ₱1,000,000↗
- Arrangement fee
- PHP 0 if disbursed to a CIMB account; 1% of principal amount or PHP 500 whichever is higher if disbursed to other banks↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- 21-65 years old at loan maturity; Philippine citizen and non-US person; Philippine mailing address and active Philippine mobile number; minimum gross monthly income PHP 15,000↗
- Origination fee (%)
- 0% to 1%↗
- Loan types
- Personal↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Borrowing is fixed rate at 18%, with a repayment term of 12 to 60.
- The arrangement fee is waived when the loan is paid into a CIMB account, and otherwise runs 0% to 1% of the principal amount or a flat minimum, whichever is higher.
- Savings withdrawals are simple: Withdraw through VISA debit card or any BancNET ATM.
- CIMB lends directly rather than through a broker, and the loans on offer are personal loans.
Cons
- Free early repayment is not offered, so settling the balance early carries a charge.
- The 18% borrowing rate sits above the 15.5% median across the personal loans compared here.
- Support runs on help centre only, so there is no listed phone or email channel for questions.
Who it suits
- Philippine residents with a steady monthly income who want a fixed rate personal loan from the bank itself.
- Borrowers happy to have the loan paid into a CIMB account, where the arrangement fee is waived.
- Savings customers who want easy access, with withdrawals Withdraw through VISA debit card or any BancNET ATM.
Who should look elsewhere
- Anyone who needs free early repayment, since free early repayment is not offered here.
- Borrowors hunting the lowest cost, as the 18% is above the 15.5% median for the personal loans compared on the site.
- Anyone who wants phone or email support, since support runs on help centre only.
The company behind it
The lender is CIMB Bank Philippines, Inc., headquartered in Philippines and regulated there by Bangko Sentral ng Pilipinas. It is a direct lender, so savings and personal loans sit with the same bank. Support runs on help centre, which means published guidance does much of the work.
How CIMB Bank PH compares
Where CIMB Bank PH is available
- Available
- Philippines
- Licence in Philippines
- Bangko Sentral ng Pilipinas, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate do personal loans from CIMB Bank PH carry?+
Personal loans are priced at a fixed rate of 18%, so the cost of borrowing does not shift with the market. The 18% sits above the 15.5% median across the personal loans compared on the site, which is worth weighing before applying.
How much can I borrow and over what term?+
Loan amounts run PHP 30,000 to PHP 1,000,000 and the repayment term runs 12 to 60. The wider end of the term window gives room to spread a bigger balance over a longer period, or to keep the monthly cost down on a smaller one.
Is there an arrangement fee on a CIMB Bank PH personal loan?+
There is no arrangement fee when the loan is paid into a CIMB account. Paid out to another bank, the fee runs 0% to 1% of the principal amount or a flat minimum, whichever is higher, so the destination of the money changes what the same PHP 30,000 to PHP 1,000,000 loan costs.
Can I repay a loan early without a charge?+
Free early repayment is not offered here, so the balance cannot be cleared early at no cost. That makes it worth checking what a settlement would cost before committing to a 12 to 60 term, and it favours anyone confident about keeping the loan for its full length.
Who can apply for a CIMB Bank PH personal loan?+
Applicants must be adults at loan maturity, Philippine citizens who are not US persons, with a Philippine mailing address and an active Philippine mobile number, plus a minimum gross monthly income. The products on offer are personal loans of PHP 30,000 to PHP 1,000,000 over 12 to 60.
How do I get money out of the savings account?+
The savings account is easy access rather than a locked deposit, and withdrawals are possible Withdraw through VISA debit card or any BancNET ATM. Everyday spending money and short term savings can sit in the same place, without waiting for a term to end before you can reach the balance.
Who is behind CIMB Bank PH and who regulates it?+
The account is held with CIMB Bank Philippines, Inc., headquartered in Philippines and regulated there by Bangko Sentral ng Pilipinas. It is a bank in its own right and lends directly, so the savings and loan sides come from the same institution rather than a broker.
How do I get help from CIMB Bank PH?+
Support runs on help centre, with published guidance the main route to an answer. Questions on rates, fees or eligibility can be worked through in writing against the bank's own product pages, and the 18% rate and 12 to 60 term are the figures to check first.
Sources
- cimbbank.com.ph checked September 26, 2026
Backs: Lender type
“CIMB Bank Philippines, Inc. is regulated by the Bangko Sentral ng Pilipinas”
- bsp.gov.ph checked September 26, 2026
Backs: Licences
- cimbbank.com.ph/en/help-and-support/faqs/my-loan/personal... checked September 26, 2026
Backs: Free early repayment, Arrangement fee, Origination fee (%)
“Early Settlement Fee - 3% of unbilled amount or minimum PHP 300 whichever is higher”
- cimbbank.com.ph/en/help-and-support/faqs/my-loan/personal... checked September 26, 2026
Backs: APR, Pricing model, Rate type
“The monthly add on rate as low as 0.83% (corresponds to annual contractual rate of 18%) - subject to risk assessment.”
- cimbbank.com.ph/en/help-and-support/faqs/my-loan/personal... checked September 26, 2026
Backs: Loan amount, Term
“CIMB Bank offers a Personal Loan between PHP 30,000 to PHP 1,000,000”
- cimbbank.com.ph/en/home.html checked September 26, 2026
Backs: Headquarters, Legal entity
“CIMB Bank Philippines, Inc. is regulated by the Bangko Sentral ng Pilipinas”
- cimbbank.com.ph/en/products/borrow/personal-loans.html checked September 26, 2026
Backs: Eligibility, Loan types
“Applicant must be at least 21 years old; must be no older than 65 upon loan maturity; Applicant must be a Philippine citizen and a non-US person; minimum gross monthly income of PHP 15,000”
- cimbbank.com.ph/en/products/save/fast-plus.html checked September 26, 2026
Backs: Access terms, Account kind
“Quick, convenient access to your funds. Withdraw through your VISA debit card, or pay seamlessly for shopping and dining. *Any BancNET ATM.”
- cimbbank.com.ph/en/products/save/gsave.html checked September 26, 2026
Backs: Support channels
“Help Center - Get support for issues you may face”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.
Related by the facts
CIMB Bank PH
Philippine borrowers who want a fixed rate personal loan with the arrangement fee waived.