Earn More Promo Series

BASE RATE
UpSave	GSave	Grow, CIMB Biz, and PRIME
2.5%	2.6%	4%

For existing depositors: Grow your Total Average Daily Balance (ADB) compared to your previous month’s balance to earn boosted interest rates on top of base rate:
+ ₱1,000	+ 0.5% p.a. interest
+ ₱5,000	+ 1.0% p.a. interest
+ ₱10,000	+ 1.5% p.a. interest

For new depositors: Maintain ADB during the month of account opening to enjoy boosted interest rates on top of base rate:
Min. of ₱1,000 ADB	+ 0.5% p.a. interest
Min. of ₱5,000 ADB	+ 1.0% p.a. interest
Min. of ₱10,000 ADB	+ 1.5% p.a. interest

Base Interest Rate (NO ADB CAP)

Customers must maintain at least one active and unblocked UpSave or GSave account during the Campaign Period to qualify for the following base interest rates, with no ADB cap:

2.50% p.a. for UpSave

2.60% p.a. for GSave

4.00% p.a. for CIMB Biz, Grow, and PRIME customers

The indicated base interest rates already include any applicable rewards from other ongoing promos during the Campaign Period.

How to earn up to +3.0% p.a. when you grow your Total Average Daily Balance

Customer Type	ADB Growth Requirement	Additional Interest Rate (p.a.)	Computation Notes
New-to-Bank Customers	Maintain a Total ADB increase of at least PHP 1,000, PHP 5,000, or PHP 10,000 during the month the account is opened.	PHP 1,000 → +0.5% PHP 5,000 → +1.0% PHP 10,000 → +1.5%	ADB is computed from the account opening date to the end of the qualifying month.
Existing-to-Bank Customers	Grow Total ADB by at least PHP 1,000, PHP 5,000, or PHP 10,000 compared to the previous month’s Total ADB.	PHP 1,000 → +0.5% PHP 5,000 → +1.0% PHP 10,000 → +1.5%	Based on monthly Total ADB growth.

Customer Type

ADB Growth Requirement

Additional Interest Rate (p.a.)

Computation Notes

New-to-Bank Customers

Maintain a Total ADB increase of at least PHP 1,000, PHP 5,000, or PHP 10,000 during the month the account is opened.

PHP 1,000 → +0.5%

PHP 5,000 → +1.0%

PHP 10,000 → +1.5%

ADB is computed from the account opening date to the end of the qualifying month.

Existing-to-Bank Customers

Grow Total ADB by at least PHP 1,000, PHP 5,000, or PHP 10,000 compared to the previous month’s Total ADB.

PHP 1,000 → +0.5%

PHP 5,000 → +1.0%

PHP 10,000 → +1.5%

Based on monthly Total ADB growth.

The additional interest applies only to the first PHP 100,000 ADB growth in GSave and/or UpSave accounts from the previous month and is inclusive of other promos. Customers with a lower total ADB across all CIMB accounts are not eligible for the additional interest.
For customers with multiple UpSave or GSave accounts, the reward will be based on their combined ADB growth. ADB growth must come from customer-initiated cash-ins via InstaPay, PESONet, GCash, RIA/Remitly, or over-the-counter banks. Internal transfers and delayed fund postings are excluded from ADB growth.

How to compute for your interest earnings.

Here's how you can compute for your additional interest earnings:

Scenario 1:

Customer has no previous account/s with CIMB Bank PH and opens a GSave Account as a New to Bank Customer on November 14, 2025. On November 14, 2025, customer deposited to his/her GSave Account via customer-initiated transaction using the valid cash in channels. The Total ADB for the month of November is PHP 18,000 and have fulfilled the conditions stated below. Customer is qualified for 2.6% p.a. applicable to Total ADB and (0.5% + 1.0% +1.5%) p.a. interest promo applicable to the total ADB growth (up to PHP 100,000) in a month.

Account Type	Base Rate	Fulfilled Conditions	Interest Rates Reward	*14 Business Days Promo Crediting	Applicable Total ADB	No. of days in a month	Total Net Interest Amount
GSave	2.6%	Base Rate	*2.6% p.a.	N/A	18,000	17	PHP 17.68
GSave	2.6%	ADB Growth of PHP 10,000	+0.5% p.a., +1.0% p.a., +1.5% p.a.	3.0%	18,000	17	PHP 20.40

*2.6% p.a. base rate for GSave, which is automatically credited every first day of the succeeding month.

Scenario 2:

Customer is an existing CIMB Bank PH UpSave Account holder since August 3, 2022. Customer becomes eligible for the promo because he/she grew his/her Total ADB across all deposit products compared to the previous month. On October 2025, Customer had a PHP 20,000 ADB. On November 2025, Customer increased his/her Total ADB via customer-initiated transaction on the same month compared from the previous month’s Total ADB using the valid cash-in channels. The Customer is now eligible for the additional interest rates. The Total ADB growth for the customer’s UpSave account compared to the previous month is PHP 180,000 and have fulfilled the conditions stated below. Customer is qualified for 2.5% p.a. applicable to total ADB and (0.5% + 1.0%+ 1.5%) p.a. interest promo on the first PHP 100,000 ADB growth for the month.

Account Type	Base Rate	Fulfilled Conditions	Interest Rates Reward	14 Business Days Promo Crediting	Applicable Total ADB	No. of days in a month	Total Net Interest Amount
UpSave	2.5%	Base Rate	*2.5% p.a.	N/A	200,000	30	PHP 333.33
UpSave	2.5%	ADB Growth of PHP 50,000	+0.5% p.a., +1.0% p.a., +1.5% p.a.	3.0%	100,000** (Capped)	30	PHP 200.00

*2.5% p.a. base rate for UpSave, which is automatically credited every first day of the succeeding month.

**Boosted interest rates are applicable on the first PHP 100,000 ADB growth for the month.

Scenario 3:

Customer is a CIMB Prime customer with an existing GSave account since January 1, 2024. Customer becomes eligible for the promo because he/she grew his/her Total ADB across all deposit products compared to the previous month. On October 2025, Customer had 100,000 ADB. On November 2025, Customer increased his/her Total ADB via customer-initiated transaction on the same month compared from the previous month’s Total ADB using the valid cash-in channels. The Customer is now eligible for the additional interest rates. The Total ADB growth for the customer’s GSave account compared to the previous month is PHP 50,000 and the customer has fulfilled the conditions stated below. Customer is qualified for 4.0% p.a. applicable to total ADB as part of the exclusive CIMB Prime segment proposition and (0.5% + 1.0%+ 1.5%) p.a. interest promo on the first PHP 100,000 ADB growth for the month.

Account Type	Base Rate	Fulfilled Conditions	Interest Rates Reward	14 Business Days Promo Crediting	Applicable Total ADB	No. of days in a month	Total Net Interest Amount
GSave	4.0%	Base Rate	*4.0% p.a.	N/A	150,000	30	PHP 400.00
GSave	4.0%	ADB Growth of PHP 50,000	+0.5% p.a., +1.0% p.a., +1.5% p.a.	3.0%	50,000**	30	PHP 100.00

*4.0% p.a. base rate for GSave customers who are part of CIMB Prime, which is automatically credited every first day of the succeeding month.

**Boosted interest rates are applicable on the first PHP 100,000 ADB growth for the month.

How to check your promo eligibility.

Scenario 1:

Customer’s Total ADB across all deposit accounts has increased in November 2025 compared to October 2025. Therefore, Customer is eligible for the additional promo interest rates. Since rewards will only be credited based on the Customer’s GSave and UpSave ADB growth, customer will receive the additional 3.0% p.a. interest from the promo (+0.5% +1.0% +1.5%) on his/her GSave and UpSave accounts.

Account Type	July ADB	August ADB	ADB Growth	Remarks
UpSave	90,000	150,000
GSave	10,000	20,000
LazSave	1,000	50
Fast Plus	2,000	0
MaxSave	5,000	5,000
Total ADB	108,000	175,050	67,050	Eligible for promo
GSave and UpSave ADB	100,000	170,000	70,000	Will receive additional interest rates

Scenario 2:

Customer’s Total ADB across all deposit accounts has increased in November 2025 compared to October 2025. Therefore, Customer is eligible for the additional promo interest rates. Since rewards will only be credited based on the Customer’s GSave and UpSave ADB growth, customer will receive the base rate (applies to GSave and UpSave balances no cap and condition) and the additional 3% p.a. interest from the promo (+0.5% +1.0% +1.5%) on his/her first PHP 100,000 ADB growth across GSave and UpSave accounts.

Account Type	July ADB	August ADB	ADB Growth	Remarks
UpSave	90,000	150,000
GSave	10,000	70,000
LazSave	0	0
Fast Plus	0	0
MaxSave	50,000	0
Total ADB	150,000	220,000	70,000	Eligible for promo
GSave and UpSave ADB	100,000	220,000	120,000	Will receive additional interest rates, but limited only to first PHP 100,000 ADB growth.

Scenario 3:

Customer’s Total ADB across all deposit accounts has increased in November 2025 compared to October 2025. Therefore, Customer is eligible for the additional promo interest rates. However, since rewards will only be credited based on the Customer’s GSave and UpSave ADB growth, Customer will not receive any of the additional interest rates due to having no ADB growth in his/her GSave and UpSave accounts.

Account Type	July ADB	August ADB	ADB Growth	Remarks
UpSave	50,000	10,000
GSave	10,000	20,000
LazSave	40,000	50,000
Fast Plus	0	0
MaxSave	0	100,000
Total ADB	100,000	180,000	80,000	Eligible for promo
GSave and UpSave ADB	60,000	30,000	-30,000	Will not receive additional interest rates

Scenario 4:

Customer’s Total ADB across all deposit accounts did not increase in November 2025 compared to September 2025. Therefore, customer is not eligible for the additional promo interest rates.

Account Type	July ADB	August ADB	ADB Growth	Remarks
UpSave	10,000	30,000
GSave	10,000	100,000
LazSave	0	0
Fast Plus	0	0
MaxSave	200,000	50,000
Total ADB	220,000	180,000	-40,000	Not eligible for promo
GSave and UpSave ADB	20,000	130,000	110,000	While GSave and UpSave increased, Customer will not receive additional interest rates due to total ADB decreasing.

Other Terms and Conditions

Reward crediting

Interest earned under this Campaign will be credited to the customer’s eligible account within fourteen (14) business days after the end of the promo period.

Agreement to Terms

By joining the promo, customers agree to these Terms & Conditions and the CIMB Bank PH Privacy Notice. All decisions of CIMB Bank PH regarding the promo are final and binding.

Right to amend terms and non-compensation clause

CIMB Bank PH may amend or modify these Terms and Conditions with at least five (5) days’ notice on its official website. Customers should check regularly for updates. No cash or other compensation will be given for any loss or damage resulting from such changes.

Compliance with the laws

The Campaign is governed by applicable Philippine laws, regulations, and directives from the Bangko Sentral ng Pilipinas (BSP).

How do I compute for my monthly interest?

To compute for the interest earned for your account:

Net Interest Earned = ADB x Time Period x Interest Rate less 20% withholding tax.
Average Daily Balance (ADB) = Sum of your end-of-day balance, divided by the number of eligible days for the month.
Interest Rate = Interest rate applicable based on the promo you qualified for.
Time Period = Total number of eligible days for the month, divided by 360 days.

Do I need to perform transactions to be eligible for the promo?

To earn additional interest on your savings, you must grow your Total Average Daily Balance (ADB) across all your CIMB Bank PH deposit accounts (e.g., UpSave, GSave, Fast Plus, LazSave, MaxSave) during the Campaign Period. Rewards will, however, only be credited based on the ADB growth of your GSave and/or UpSave accounts, as applicable. Deposits must be made through valid cash-in channels.

Can I qualify for multiple promo rates?

Yes, definitely! All eligible customers may earn up to an additional 3% p.a. (+0.5%, +1%, +1.5%) interest rate.

Note: Additional interest rate rewards is only applicable to your first Php 100,000 growth on GSave and/or UpSave this month.

Earn extra interest boosts on your savings!

Up to 5.5%

Up to 5.5%

Up to 5.6%

Up to 5.6%

Up to 7%

Up to 7%

Eligibility

HOW TO JOIN

TERMS & CONDITIONS

Scenario 1:

Scenario 2:

Scenario 3:

Scenario 1:

Scenario 2:

Scenario 3:

Scenario 4:

Frequently Asked Questions

Let your savings earn more.

Let your savings earn more.

Still have questions? We got you.

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Urgent Support

Earn More Promo Series​

Earn extra interest boosts on your savings!

Up to 5.5%

Up to 5.5%

Up to 5.6%

Up to 5.6%

Up to 7%

Up to 7%

Eligibility

HOW TO JOIN

TERMS & CONDITIONS

Scenario 1:

Scenario 2:

Scenario 3:

Scenario 1:

Scenario 2:

Scenario 3:

Scenario 4:

Frequently Asked Questions

Let your savings earn more.

Let your savings earn more.

Still have questions? We got you.

Documentation

FAQs

Help Center

Urgent Support

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