CIMB is currently running a bundled savings campaign that allows customers to earn a higher return by placing funds into a Term Investment Account-i, or TIA-i, alongside a current or savings account.

The CIMB Q1 2026 TIA-i Bundle with CASA/-i campaign runs from 28 January 2026 to 31 March 2026, or until the total campaign allocation of RM2 billion is fully taken up, whichever comes first.

How The TIA-i Bundle Works

Under the campaign, customers place fresh funds into two accounts at the same time. Half of the funds go into a six-month TIA-i, while the other half is earmarked in a current or savings account for the same six-month period.

The minimum placement is RM10,000 in the TIA-i and RM10,000 in the linked current or savings account. Both placements must be made over the counter at a CIMB branch and must come from fresh funds that are new to CIMB.

Rates Offered Under The Campaign

Customers who bundle their TIA-i with an Islamic current or savings account can earn a campaign indicative rate of up to 5.7% per annum on the TIA-i portion. Those who bundle with a conventional current or savings account can earn up to 5.5% per annum on the TIA-i.

When combined with the interest or profit earned on the earmarked current or savings account, the indicative effective rate across both accounts can reach up to 3.6% per annum, depending on the account type and placement amount.

These rates apply only for one six-month cycle.

Who Is Eligible

The campaign is open to individual CIMB customers aged 18 and above who hold eligible current or savings accounts, including both conventional and Islamic options.

It is not open to businesses, companies, associations, or customers participating in other CIMB campaigns at the same time. For joint accounts, only the primary account holder is eligible.

What Counts As Fresh Funds

Only fresh funds qualify for the campaign. This generally means money brought in from other banks or financial institutions, including cash deposits, interbank transfers, or cheques.

Funds from maturing fixed deposits or existing CIMB accounts do not qualify, unless they originated from another bank and were transferred into CIMB within the past seven business days.

Important Conditions To Note

Customers must maintain both the TIA-i placement and the earmarked current or savings account balance for the full six months. Early or partial withdrawals are not allowed.

If the required balances are not maintained, the campaign rate will not apply, and the TIA-i may be uplifted without earning the promotional return. After the six-month period ends, the TIA-i will automatically renew at CIMB’s prevailing board rate unless the customer instructs otherwise.

TIA-i placements are not protected by Perbadanan Insurans Deposit Malaysia, while current and savings accounts remain protected up to RM250,000 per depositor.

How This Campaign Affects Savers

For savers looking to earn a higher return over a short six-month period, the campaign offers a structured option that rewards those willing to lock in funds and maintain balances across two accounts.

However, the effective return depends heavily on the type of current or savings account used, as most of the higher rate applies only to the TIA-i portion. The need to place and earmark equal amounts also means customers must commit a larger total sum upfront.

This campaign may suit savers with idle cash who are comfortable with limited liquidity for six months and who already bank with CIMB or are willing to bring in fresh funds. For those who may need flexibility or who prefer fully insured deposits, the conditions and risks should be weighed carefully before committing.

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