Updated September 29, 2026 · SumCue Editorial Team
CIMB Bank vs EstateGuru
CIMB Bank
Higher score in this comparison
EstateGuru
What sets them apart
| Compare | CIMB BankReviewVisitVisit | EstateGuruReviewVisitVisit |
|---|---|---|
| Headline rate | 0.25% | 7%Higher |
| Rate type | Variable | Fixed |
| Minimum deposit | MYR 20 | €100 |
| Access terms | Withdraw funds at any time from an ATM, online, or at a branch | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment |
| Account kind | Easy access | Fixed |
| Term | 24 to 84 months | Not confirmed |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Monthly fee | MYR 0 | Not confirmed |
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Key differences
- Headline rate is higher at EstateGuru: 7% vs 0.25%.
- Support channels: only EstateGuru offers Email, Chat, Phone.
- Pricing model: only CIMB Bank offers No annual fee.
- Pricing model: only EstateGuru offers Fixed rate.
Our verdict on each
CIMB Bank
CIMB Bank suits Malaysian savers and borrowers who want plain costs and fast access to money. Its easy-access Basic Savings Account pays 0.25% on variable terms with no annual fee, and its Cash Plus personal loan carries an arrangement fee of RM0 (no processing fee).
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
Score breakdown
| Area | CIMB Bank | EstateGuru |
|---|---|---|
| Cost | 9.2Higher | 8.3 |
| Offer | 8.2 | 9.8Higher |
| Trust | Not confirmed | 8.6 |
A third option
Plazo ES has headline rate at 24.19%, against 0.25% for CIMB Bank and 7% for EstateGuru.
Plazo ES reviewHow they place
| Ranking | CIMB Bank | EstateGuru |
|---|---|---|
| Savings | 36 of 1492 | 37 of 1492 |
| Loans | 127 of 2043 | 882 of 2043 |
| Mortgages | 14 of 853 | 15 of 853 |
Every fact side by side
| Fact | CIMB Bank | EstateGuru |
|---|---|---|
| Pricing model | No annual fee | Fixed rate |
| Legal entity | CIMB Bank Berhad | Estateguru OU |
| Headquarters | Malaysia | Estonia |
| Founded | Not confirmed | 2013 to 2014 |
| Support channels | Help centre | Email, Chat, Phone, Help centreCovers more |
Loans
| Fact | CIMB Bank | EstateGuru |
|---|---|---|
| APR | 15% | Not confirmed |
| Loan amount | MYR 2,000 to MYR 100,000 | Not confirmed |
| Arrangement fee | RM0 (no processing fee) | Not confirmed |
| Funding time | Instant disbursement; approved and disbursed in 10 minutes | Not confirmed |
| Representative example | Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure | Not confirmed |
| Features | Rewards | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months | Not confirmed |
| Origination fee (%) | 0.5% | Not confirmed |
| Loan types | Personal | Not confirmed |
Credit cards
| Fact | CIMB Bank | EstateGuru |
|---|---|---|
| Annual fee | MYR 0 | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Rewards rate | Unlimited Cash Rebate | Not confirmed |
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | CIMB Bank | EstateGuru |
|---|---|---|
| Initial rate | 4.8% to 5.2%Lower | 7.2% |
| Fixed period | Not confirmed | 3 years |
| Maximum loan to value | 100%Higher | 75% |
| Product fee | MYR 0 | Not confirmed |
| Purpose | Purchase, First time buyer | Not confirmed |
Where each stands against the rest
| Fact | CIMB Bank | EstateGuru | Median |
|---|---|---|---|
| Headline rate | 0.25%lowest quarter | 7%highest quarter | 3.3% |
| Term | 24 to 84 monthsabove the median | Not confirmed | 60 |
| Monthly fee | MYR 0at the median | Not confirmed | MYR 0 |
Median across 710 listed providers.
Pros and cons
CIMB Bank
Pros
- The debit card carries an annual fee of MYR 0, so there is no yearly charge to hold it
- Personal loans charge an arrangement fee of RM0 (no processing fee), plus 0.5% on the loan amount
- Funding time is listed as Instant disbursement; approved and disbursed in 10 minutes, so an approved loan does not sit waiting on a payout
Cons
- Support runs on help centre only, so most questions are handled through the help centre itself
- The savings rate is variable at 0.25%, so the return can rise or fall with the base rate
- Loan eligibility is limited to Malaysian citizens who are adults, with a minimum monthly gross income and a waiting period of employment
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
Who each suits
CIMB Bank
Who it suits
- Malaysian adults who want an easy-access savings balance held with no monthly fee
- Borrowers who want a personal loan with an arrangement fee of RM0 (no processing fee) and quick disbursement
- First-time home buyers using the CIMB My First Home purchase route with up to 100% loan to value
Who should look elsewhere
- Anyone outside Malaysia, since the personal loan eligibility rests on Malaysian citizenship
- Savers who want a locked rate, because the rate type on the savings account is variable
- Borrowers who cannot meet the minimum monthly gross income requirement for approval
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
Questions about each
CIMB Bank
What rate does the Basic Savings Account pay?+
It pays a headline rate of 0.25% at a variable rate type, so the return follows the base rate. The account opens with a minimum deposit of MYR 20, and the monthly fee is MYR 0.
How much does it cost to hold a CIMB Bank account?+
The monthly fee on the savings account is MYR 0, and the annual fee on the cards is MYR 0. Money in the savings account is easy-access, so you can take it out whenever you need it, at an ATM, online or at a branch counter.
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
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