CIMB Islamic Fixed Return Investment Account-i - WhyWait

Collect your investment profits on the day you sign up for this CIMB Islamic FD! Because really, why wait?

CIMB Islamic Fixed Return Investment Account-i - WhyWait
Min. Deposit
Daily Interest
Early Withdrawal

Fixed Deposit Calculator

Profit Rate

What you earn based on the amount that you have in your account

You DepositDeposit PeriodEffective Profit Rate
min. RM10,0001 month2.5% p.a.
min. RM10,0002 months2.65% p.a.
min. RM10,0003 months2.7% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM10 Service Charge
Additional Statement Request
RM2 per document


Minimum Age
  • 18 years old
Who can apply
  • Malaysians
  • Foreigners

More Information

What do I need to know about CIMB Islamic FRIA-i Why Wait?

CIMB Islamic FRIA-i Why Wait is a Shariah-compliant deposit account that lets you invest your savings for three months at a great interest rate. 

The offer is open to anyone aged 18 years or over, it's for residents and non-residents alike. The minimum investment is RM10,000.

The really good thing about this FD is that you get instant payment of cash equivalent to the agreed profit when you sign up. 

Yes, that's right - instead of waiting until the investment has matured, you'll get your return straight away. 

Additionally, the FD Investment Certificate can be used as security for loans with CIMB or CIMB Islamic.

Can I withdraw my CIMB Islamic FRIA-i before maturity?

You are not allowed to withdraw your money partially from this fixed deposit account. If you wish to uplift the deposit before the completion of its term, you will not receive any profit payment.

How do I open an FRIA-i Why Wait account with CIMB Islamic?

For Individuals:

  • Identification Card or passport.

For a registered company, you must present:

  • Certified copy of your company’s Memorandum and Association, 
  • Forms 24 and 49, and 
  • Company’s resolution to open this account as well as photocopies of all authorized signatories’ Identification Cards.

For Sole Proprietors or Partnership, you need:

  • Business registration form and 
  • Photocopies of all authorized signatories’ Identification Cards.

For associations/societies/clubs, you need:

  • Certified copy of your organisation’s resolution
  • Authority letter
  • Rules and regulations and copies of identity cards of all authorised signatories

Is this CIMB Islamic FRIA-i Why Wait secured?

PIDM protects your investment with free coverage of up to RM250,000.

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