CIMB review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
CIMB is a Malaysian bank whose savings account pays a variable rate of 0.25% with a monthly fee of MYR 0, which suits residents keeping everyday cash in ringgit. The personal loan adds a 4.38% to 19.88% range with an origination fee of 0 MYR.
Key facts
- Best for
- Malaysian savers wanting fee free access to ringgit cash alongside a personal loan.
- Headline rate
- 0.25%↗
- Rate type
- Variable↗
- Term
- 24 to 84 months↗
- Access terms
- Withdraw funds at any time via ATM, online or branch↗
- Monthly fee
- MYR 0↗
- Account kind
- Easy access↗
- Legal entity
- CIMB BANK BERHAD 197201001799 (13491-P)↗
- Headquarters
- Malaysia↗
- Support channels
- Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- cimb.com
Loans
- APR
- 4.38% to 19.88%↗
- Loan amount
- MYR 2,000 to MYR 100,000↗
- Arrangement fee
- 0 MYR↗
- Funding time
- Instant disbursement; approved and disbursed in 10 minutes for eligible segments↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed more than 6 consecutive months↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal↗
- Features
- Same-day funding
Pros and cons
Pros
- Monthly fee of MYR 0 on the savings account, with an annual fee of MYR 0.
- Access is simple: Withdraw funds at any time via ATM, online or branch.
- The personal loan charges an origination fee of 0 MYR and carries same day funding.
- Rewards are paid in cash, cashback, through the Unlimited Cash Rebate offer on a debit card.
Cons
- Interest is variable, so the 0.25% headline can move up or down.
- That headline rate places CIMB at 433 of 488 listings on headline rate.
- The loan covers personal borrowing only, and eligibility is limited to Malaysian citizens.
Who it suits
- Malaysian citizens keeping everyday cash close by who want Withdraw funds at any time via ATM, online or branch.
- Borrowers after a personal loan with an origination fee of 0 MYR and same-day funding.
- Card users who want cashback, cashback, on a card running the visa network.
Who should look elsewhere
- Wise at 3.29% and bunq at 3.01% pay more, so they suit savers chasing a higher return.
- Finteres pays 0% to 36%, a spread that covers rates both below and above the 0.25% shown for CIMB.
Who runs it
CIMB is operated by CIMB BANK BERHAD 197201001799 (13491-P) and is headquartered in Malaysia. Support runs on phone and help centre, so questions reach a phone line or a help centre rather than a chat or email desk. CIMB provides both the savings account and the personal loan on this page.
How CIMB compares
8.9 vs 8.0
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 8.5
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.7
8.9 vs 9.3
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0- 8.9 vs 8.0
8.9 vs 9.0
8.9 vs 8.6
8.9 vs 8.3
8.9 vs 9.5
8.9 vs 9.4
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8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.3
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.2
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.9
8.9 vs 8.9- 8.9 vs 8.9
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8.9 vs 8.5
8.9 vs 8.4- 8.9 vs 8.0
8.9 vs 9.0
Where CIMB is available
- Available
- Cambodia, Indonesia, Malaysia, Philippines, Singapore, Thailand, Vietnam
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest does the CIMB savings account pay?+
The account pays a headline rate of 0.25% and it is variable, so the rate can move rather than staying locked for a term. Against the 3% median across these listings, that is a low return for a balance held only to earn interest.
Are there any fees on the account or the loan?+
The savings account has a monthly fee of MYR 0 and an annual fee of MYR 0, and the personal loan charges an origination fee of 0 MYR. Early repayment carries no charge. The fee free side is for access rather than return.
How do I get money in and out of the account?+
The account is easy access, and Withdraw funds at any time via ATM, online or branch. There is no fixed term to serve, so a saver can take money out shortly after it goes in without giving up the balance permanently.
What size personal loan does CIMB offer?+
The personal loan covers MYR 2,000 to MYR 100,000, runs for 24 to 84 months, and covers personal borrowing only. CIMB is a direct lender, so the application and the decision sit with the bank rather than a broker or a comparison marketplace.
How quickly is a loan funded?+
The loan lists same day funding and the stated funding time is instant disbursement, with approval and disbursement inside the same session for eligible segments. Applicants should expect the quickest route rather than a waiting period measured in days.
Who can apply for the personal loan?+
The loan is open to Malaysian citizens who are adults, meet a minimum monthly gross income, and have completed a waiting period of employment. As a direct lender, CIMB assesses the application in house, so there is no separate broker to chase.
Does CIMB have a card with rewards?+
CIMB issues a credit card and a debit card on the visa network. Spend is rewarded in cash, cashback, under the Unlimited Cash Rebate offer, so the card side adds a rebate rather than points or miles.
How does this account compare with the savings listings here?+
On the savings listings here CIMB sits at position 433 out of 488 brands on headline rate. Its overall score is 3.4, with the cost part at 5.2 and the offer part at 0.8.
Sources
- cimb.com.my/en/personal/home.html checked September 26, 2026
Backs: Annual fee, Rewards rate, Rewards type
“CIMB Travel Platinum Credit Card - Up to 4X Airport Lounge Access complete with Travel Insurance | No Annual Fee”
- cimb.com.my/en/personal/day-to-day-banking/accounts/savin... checked September 26, 2026
Backs: Access terms, Account kind
“You can withdraw funds at any time from an ATM, online, or by visiting the bank branch.”
- cimb.com.my/en/personal/day-to-day-banking/cards/credit-c... checked September 26, 2026
Backs: Card kind
“CIMB Cash Rebate Platinum Credit Card”
- cimb.com.my/en/personal/day-to-day-banking/financing/pers... checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Term
“Loan amount ranges from a minimum of RM2,000 to a maximum of RM100,000”
- cimb.com.my/en/personal/help-support/rates-charges/intere... checked September 26, 2026
Backs: Pricing model, Monthly fee
“CIMB Basic Savings Account ... 1 Closing of account within 3 months of its opening RM20.00 2 Replacement of lost/ stolen/ mishandled Debit Card RM12.00”
- cimb.com.my/en/personal/help-support/rates-charges/intere... checked September 26, 2026
Backs: Headline rate, Rate type
“Basic Savings Account - Statement (Effective 02 September 2025) ... All balances 0.25 % p.a”
- cimb.com.my/en/personal/home.html checked September 26, 2026
Backs: Legal entity, Support channels
“CIMB Bank: All rights reserved. Copyright (c) CIMB BANK BERHAD 197201001799 (13491-P)”
- cuelinks.com/campaigns/cimb-credit-card-affiliate-program checked September 26, 2026
Backs: Card type, Headquarters, Card network
“CIMB PETRONAS Visa Platinum-i Credit Card - CPL Affiliate Program”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Deposit protection.
CIMB
Malaysian savers wanting fee free access to ringgit cash alongside a personal loan.