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Until Promo Ends

Who can join this promo?

  • Customer must have at least one active and unblocked GSave and/or UpSave Account. Fast and Fast Plus Accounts are not eligible.​
  • All of the additional promo interest rewards are inclusive of other interest rate campaigns.

Make Your Savings Soar

Earn 5% p.a. interest on all your balances this month – NO CAP!​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts. ​

  • Earn 5% p.a. on the Total ADB of your GSave and/or UpSave accounts this month – no cap!​

  • 5% p.a. is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave account and other promo/s interest rate. ​

  • For customers who have multiple UpSave and Gsave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB with the Bank (for UpSave and GSave only) . ​

Earn +1% p.a. interest by growing your Total ADB by at least Php 5,000​

  • Only applicable to existing deposit customers:​

       a. For the month of November 2023: exclusive to existing customers with open GSave and/or UpSave account as of September 30, 2023.

       b. For the month of December 2023: exclusive to existing customers with open GSave and/or UpSave account as of October 31, 2023.​

  • Customer must grow his/her total Average Daily Balance (ADB) by at least Php 5,000 compared to the previous month’s total ADB.​

  • The additional +1% p.a. interest rate is applicable to the Total ADB of GSave and/or UpSave accounts. No cap. ​

  • For customers who have multiple UpSave and GSave accounts with CIMB bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s UpSave and/or GSave account in a month.​

  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, Bayad Center, GCash, 7 Eleven, and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank accounts are not considered. Any delays in cash-in posting of funds in a month is not counted, regardless of the cause of the delay. ​

 

 

Earn +2% p.a. interest by using your Virtual Debit Card​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts .

  • Customer must spend a cumulative amount of at least PHP 5,000 using his/her CIMB Virtual Debit Card for the qualifying month. ​

  • The additional +2% p.a. interest will apply to your Total ADB of GSave and/or UpSave accounts. No cap. ​

  • Valid transaction must be performed within the campaign period. Only successful, completed, and posted transaction reflected in CIMB Bank’s system will be considered. Any delay in posting, failed transaction, cancelled, and reversal within the campaign period will not be counted regardless of any cause of the delay or failure. ​

  • All Virtual Debit Card Transactions linked to any Savings Account (GSave, UpSave, and/or Fast Plus) will be considered. ​

  • Only CIMB Virtual Debit Card transactions are considered valid transactions for this campaign. ​

Earn +3% p.a. interest by transacting using Virtual Debit Card, Pay Bills or Buy Load​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts.
  • Customer must spend a cumulative amount of at least PHP 50,000 using his/her CIMB Virtual Debit Card, Pay Bills or Buy Load  for the qualifying month. ​
  • The additional +3% p.a. interest will apply to your Total ADB of GSave and/or UpSave accounts. No cap.
  • Valid transaction must be performed within the campaign period. Only successful, completed, and posted transaction reflected in CIMB Bank’s system will be considered. Any delay in posting, failed transaction, cancelled, and reversal within the campaign period will not be counted regardless of any cause of the delay or failure. ​
  • All Virtual Debit Card Transactions linked to any Savings Account (GSave, UpSave, Fast Plus) will be considered. Only CIMB Virtual Debit Card transactions are considered valid transactions for this campaign. ​
  • For Pay Bills and Buy Load Transactions, only successful and posted Pay Bills or Buy Load transactions from any of the savings account in the CIMB Bank PH app will be considered.​
  • Bills Payment for loan repayment is not considered as valid bills payment.

Earn +4% p.a. interest by growing your Total ADB by at least Php 50,000

 
  • Applicable only to existing deposit customers:​

a. For the month of November 2023: exclusive to existing customers with open GSave and/or UpSave account as of September 30, 2023.​

b. For the month of December 2023: exclusive to existing customers with open GSave and/or UpSave account as of October 31, 2023.​

  • Customer must grow his/her total ADB by at least PHP 50,000 compared to the previous month’s total ADB.​

  • The additional +4% p.a. interest rate is applicable to your Total Average Daily Balance of GSave and/or UpSave Accounts. No cap. ​

  • For customers who have multiple UpSave and GSave accounts with CIMB bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s UpSave and/or GSave account in a month.​

  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, Bayad Center, GCash, 7 Eleven, and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank accounts are not considered. Any delays in cash-in posting of funds in a month is not counted, regardless of the cause of the delay. ​

 

How to Compute for your Interest Earnings

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

 
Month of November 2023: Existing customer as of March 03, 2022
Account Type

Base Rate

Fulfilled Conditions 14 Business Days Promo Crediting   Total ADB   No. of days in Nov 2023 Net Interest Amount Earned
(after tax)
 
UpSave 2.50% 

No Condition promo rate​

(5%* p.a.)


Grown Total Average Daily Balance by PHP 100,000

(+1% p.a. and +4% p.a.)

7.50% 
555,000 30 2,775.00  

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave, respectively. The base rate is automatically credited to the account every 1st day of the month

Month of December 2023: Existing customer as of August 17, 2020
  Account Type  

 

Base Rate

Fulfilled Conditions 14 Business Days Promo Crediting   Total ADB   No. of days in Dec 2023 Net Interest Amount Earned
(after tax)
GSave 2.60% 

No Condition promo rate​

(5%* p.a.)


Grown Total Average Daily Balance by PHP 80,000

(+1% p.a. and +4% p.a.)

 

Has total cumulative spend of PHP 6,000 using Virtual Debit Card 

(+2% p.a. )

 

Has a total cumulative spend of P54,000 using Bills Payment

(+3% p.a.)

12.40% 760,000 31 6,492.09

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave, respectively. The base rate is automatically credited to the account every 1st day of the month

Earn 5% p.a. interest on all your balances this month – NO CAP!​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts. ​

  • Earn 5% p.a. on the Total ADB of your GSave and/or UpSave accounts this month – no cap!​
  • 5% p.a. is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave account and other promo/s interest rate. ​

  • For customers who have multiple UpSave and Gsave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB with the Bank (for UpSave and GSave only).

Earn +2% p.a. interest by using your Virtual Debit Card​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts. ​

  • Customer must spend a cumulative amount of at least PHP 5,000 using his/her CIMB Virtual Debit Card for the qualifying month. ​

  • The additional +2% p.a. interest will apply to your Total Average Daily Balance of GSave and/or UpSave accounts. No cap. ​

  • Valid transaction must be performed within the campaign period. Only successful, completed, and posted transaction reflected in CIMB Bank’s system will be considered. Any delay in posting, failed transaction, cancelled, and reversal within the campaign period will not be counted regardless of any cause of the delay or failure. ​

  • All Virtual Debit Card Transactions linked to any Savings Account (GSave, UpSave, and/or Fast Plus) will be considered. ​

  • Only CIMB Virtual Debit Card transactions are considered valid transactions for this campaign. ​

Earn +3% p.a. interest by transacting using Virtual Debit Card, Bills Payment or Buy Load​

  • Open to all new and existing deposit customers of GSave and/or UpSave accounts. ​
  • Customer must spend a cumulative amount of at least PHP 50,000 using his/her CIMB Virtual Debit Card for the qualifying month. ​
  • The additional +3% p.a. interest will apply to your Total Average Daily Balance of GSave and/or UpSave accounts. No cap.
  •  Valid transaction must be performed within the campaign period. Only successful, completed, and posted transaction reflected in CIMB Bank’s system will be considered. Any delay in posting, failed transaction, cancelled, and reversal within the campaign period will not be counted regardless of any cause of the delay or failure. ​
  • All Virtual Debit Card Transactions linked to any Savings Account (GSave, UpSave, Fast Plus) will be considered. Only CIMB Virtual Debit Card transactions are considered valid transactions for this campaign. ​
  • Bills Payment for loan repayment is not considered as valid bills payment.

How to Compute for your Interest Earnings​

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

Month of November 2023: New Customer as of November 03, 2023​
  Account Type  

 

Base Rate

Fulfilled Conditions 14 Business Days Promo Crediting   Total ADB   No. of days in Nov 2023 Net Interest Amount Earned
(after tax)
UpSave 2.50% 

No Condition promo rate​

(+5%* p.a.)

 

Has total cumulative spend of PHP 12,000 using Virtual Debit Card 

(+2% p.a)

4.50% 33,000 28 92.40
GSave 2.60% 4.40% 900,000 2,464.00

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave, respectively. The base rate is automatically credited to the account every 1st day of the month​

Month of December 2023: New Customer as of December 01, 2023​
  Account Type  

 

Base Rate

Fulfilled Conditions 14 Business Days Promo Crediting   Total ADB   No. of days in Nov 2023 Net Interest Amount Earned
(after tax)
UpSave 2.50% 

No Condition promo rate​

(+5%* p.a.)

 

Has total cumulative spend of PHP 10,000 using Virtual Debit Card 

(+2% p.a)

4.50% 401, 300 31 1,244.03
GSave 2.60% 4.40% 65,000 197.02

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave, respectively. The base rate is automatically credited to the account every 1st day of the month​

Get Started On Your Savings Journey! 

Frequenty Asked Questions

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?

No, you are automatically eligible for 5% regardless if you are a new or existing customer. ​

To earn additional interest on your savings, you must perform Virtual Card Transactions, Pay Bills or Buy Load Transaction, or simply grow your total Average Daily Balance (ADB) through the valid cash-in channels.

Can I qualify for multiple promo rates?

Yes, definitely! ​

 

  • For new customers, you may earn up to 10% p.a. ((5% +2% +3%) interest rate. ​

  • For existing customers, you may earn up to 15% p.a. (5% +1% + 2% + 3% +4%) interest rate.

 

Can't find what you're looking for? Go to our Get Help Page to get answers! 

 

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