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Until Promo Ends

Eligibility and How to Qualify​

  • Promo runs from May 1 to May 31, 2025​.
  • To qualify for the boosted interest rates, Customer must meet the promo conditions and increase their total deposit Average Daily Balance (ADB) with the Bank (including UpSave, GSave, Fast Plus, LazSave and MaxSave) during the Campaign Period vs. the previous month.
  • However, rewards will only be credited based on the ADB growth of the Customer’s GSave, LazSave, and/or UpSave accounts, as applicable.​
  • Customers must have at least one active and unblocked GSave, LazSave, and/or UpSave account to participate. Other deposit accounts (e.g., Fast Plus) are not eligible for reward computation.​
  • The Reward/s earned will be credited to the Customer’s GSave, LazSave, and/or UpSave proportionately depending on the ADB of each account by the end of the Campaign Period.
  • All of the additional promo interest rewards are inclusive of other interest rate campaigns.​

Earn 3.0% p.a. interest on all your balances this month – no cap!​​

  • Earn 3.0% p.a. on Customer’s existing ADB with no cap. ​
  • This is applicable to all deposit customers of GSave, LazSave, and/or UpSave accounts—new and existing deposit customers. Fast Plus accounts are not eligible. ​
  • 3.0% p.a. is inclusive of the regular base rate of 2.5% p.a. for UpSave and LazSave, and 2.6% p.a. for GSave Accounts and other promo/s. ​
  • For Customers who have multiple GSave, LazSave, and UpSave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB (for GSave, LazSave, and UpSave only) with the Bank.​

Earn +1.0% p.a. interest by growing your Total Average Daily Balance by at least PHP 1,000​

  • New to Bank Customers: Customer must maintain his/her Total ADB by at least PHP 1,000 during the month in which they open their account. The ADB calculation for New to Bank Customers will be computed from the account open date and divided by the total number of days from account open date in the qualifying month.
  • Existing to Bank Customers: Customer must grow his/her Total ADB by at least PHP 1,000 compared to the previous month’s Total ADB. ​
  • The additional 1.0% p.a. interest rate is applicable to the first PHP 100,000 ADB growth on the GSave, LazSave, and/or UpSave from the previous month only, and inclusive of other promo/s.
  • Customers whose Total ADB (inclusive of all savings, current, and time deposits) with the Bank is lower than the previous month's balance will not be eligible for the additional interest rate.​
  • For customers who have multiple GSave, LazSave, and UpSave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s GSave, LazSave, and/or UpSave account in a month.​
  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, GCash, Remittance (via RIA and Remitly) and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank PH accounts are not considered as ADB Growth. Any delays in cash in posting of funds in a month is not counted, regardless of the cause of the delay. ​

Earn +1.5% p.a. interest by growing your Total Average Daily Balance by at least PHP 5,000​

  • New to Bank Customers: Customer must maintain his/her Total ADB by at least PHP 5,000 during the month in which they open their account. The ADB calculation for New to Bank Customers will be computed from the account open date and divided by the total number of days from account open date in the qualifying month.
  • Existing to Bank Customers: Customer must grow his/her Total ADB by at least PHP 5,000 compared to the previous month’s Total ADB. ​
  • The additional 1.5% p.a. interest rate is applicable to the first PHP 100,000 ADB growth on the GSave, LazSave, and/or UpSave from the previous month only, and inclusive of other promo/s.
  • Customers whose Total ADB (inclusive of all savings, current, and time deposits) with the Bank is lower than the previous month's balance will not be eligible for the additional interest rate.​
  • For customers who have multiple GSave, LazSave, and UpSave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s GSave, LazSave, and/or UpSave account in a month.​
  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, GCash, Remittance (via RIA and Remitly) and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank PH accounts are not considered as ADB Growth. Any delays in cash in posting of funds in a month is not counted, regardless of the cause of the delay. ​

Earn +2.0% p.a. interest by growing your Total Average Daily Balance by at least PHP 10,000​

  • New to Bank Customers: Customer must maintain his/her Total ADB by at least PHP 10,000 during the month in which they open their account. The ADB calculation for New to Bank Customers will be computed from the account open date and divided by the total number of days from account open date in the qualifying month.
  • Existing to Bank Customers: Customer must grow his/her Total ADB by at least PHP 10,000 compared to the previous month’s Total ADB. 
  • ​The additional 2.0% p.a. interest rate is applicable to the first PHP 100,000 ADB growth on the GSave, LazSave, and/or UpSave from the previous month only, and inclusive of other promo/s.
  • Customers whose Total ADB (inclusive of all savings, current, and time deposits) with the Bank is lower than the previous month's balance will not be eligible for the additional interest rate.​
  • For customers who have multiple GSave, LazSave, and UpSave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s GSave, LazSave, and/or UpSave account in a month.​
  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, GCash, Remittance (via RIA and Remitly) and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank PH accounts are not considered as ADB Growth. Any delays in cash in posting of funds in a month is not counted, regardless of the cause of the delay. ​

Earn +2.5% p.a. interest by growing your Total Average Daily Balance by at least PHP 50,000​

  • New to Bank Customers: Customer must maintain his/her Total ADB by at least PHP 50,000 during the month in which they open their account. The ADB calculation for New to Bank Customers will be computed from the account open date and divided by the total number of days from account open date in the qualifying month.
  • Existing to Bank Customers: Customer must grow his/her Total ADB by at least PHP 50,000 compared to the previous month’s Total ADB.
  • The additional 2.5% p.a. interest rate is applicable to the first PHP 100,000 ADB growth on the GSave, LazSave, and/or UpSave from the previous month only, and inclusive of other promo/s.
  • Customers whose Total ADB (inclusive of all savings, current, and time deposits) with the Bank is lower than the previous month's balance will not be eligible for the additional interest rate.​
  • For customers who have multiple GSave, LazSave, and UpSave accounts with CIMB Bank PH, the special interest reward will be computed based on the qualifying month’s Total ADB growth of customer’s GSave, LazSave, and/or UpSave account in a month.​
  • ADB growth in a qualifying month must be performed via customer-initiated cash in transaction via InstaPay, PESONet, Dragon Pay, GCash, Remittance (via RIA and Remitly) and Over-the-counter Banks. Transfers within account of customer or within CIMB Bank PH accounts are not considered as ADB Growth. 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:

 
Scenario 1:

 

Customer has no previous account/s with CIMB Bank PH and opens a GSave Account as a New to Bank Customer on May 15, 2025. On May 15, 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 May is PHP 18,000 and have fulfilled the conditions stated below. Customer is qualified for 3.0% p.a. applicable to Total ADB and (1.0% + 1.5% +2.0%) p.a. interest promo applicable to the Total ADB growth 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% 

No Condition Promo Rate (No Cap)

 a. *3.0% p.a. 0.40% 18,000 17 20.40

Grown ADB by PHP 10,000 (ADB Growth)

 b. +1.0% p.a., +1.5% p.a., +2.0% p.a.​ 4.50% 18,000 30.60

*Inclusive of the regular 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 May 03, 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 April 2025, Customer had a PHP 20,000 ADB. On May 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, LazSave, and/or UpSave account compared to the previous month is PHP 180,000 and have fulfilled the conditions stated below. Customer is qualified for 3.0% p.a. applicable to total ADB and (1.0% + 1.5%+ 2.0% + 2.5%) 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% 

No Condition Promo Rate (No Cap)

 a. *3.0% p.a. 0.50% 200,000 31 413.33

Grown ADB by PHP 50,000 (ADB Growth)​

 b. +1.0% p.a., +1.5% p.a., +2.0% p.a., +2.5%​ p.a. 7.00% 100,000** 482.22

*Inclusive of the regular 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.

How to Check Your Promo Eligibility

 
Scenario 1:

 

Customer’s Total ADB across all deposit accounts has increased in May 2025 compared to April 2025. Therefore, Customer is eligible for the additional promo interest rates. Since rewards will only be credited based on the Customer’s GSave, LazSave and UpSave ADB growth, customer will receive the 3.0% p.a. base rate (applies to all balances no cap and condition) and the additional 4.5% p.a. interest from the promo (+1.0% +1.5% +2.0%) on his/her GSave, LazSave, and UpSave accounts​.

Account Type

May ADB

 April ADB ADB Growth Remarks
UpSave 150,000

90,000

    
GSave 20,000

10,000

    
LazSave 50 1,000    
Fast Plus 0 2,000    
MaxSave 5,000 5,000    
Total ADB 175,050 108,000 67,050 Eligible for promo
GSave, LazSave, and UpSave ADB 170,050 101,000 69,050 Will receive additional interest rates
 
Scenario 2:

 

Customer’s Total ADB across all deposit accounts has increased in May 2025 compared to April 2025. Therefore, Customer is eligible for the additional promo interest rates. Since rewards will only be credited based on the Customer’s GSave, LazSave, and UpSave ADB growth, customer will receive the 3.0% p.a. base rate (applies to all balances no cap and condition) and the additional 7% p.a. interest from the promo (+1.0% +1.5% +2.0%, +2.5%) on his/her first PHP 100,000 ADB growth across GSave, LazSave, and UpSave accounts​.

Account Type

May ADB

 April ADB ADB Growth Remarks
UpSave 150,000

90,000

    
GSave 70,000

10,000

    
LazSave 0 0    
MaxSave 0 50,000    
Total ADB 220,000 150,000 70,000 Eligible for promo
GSave, LazSave, and UpSave ADB 220,000 100,000 120,000 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 May 2025 compared to April 2025. Therefore, Customer is eligible for the additional promo interest rates. However, since rewards will only be credited based on the Customer’s GSave, LazSave, and UpSave ADB growth, Customer will not receive any of the additional interest rates due to having no ADB growth in his/her GSave, LazSave, and UpSave accounts.

Account Type

May ADB

 April ADB ADB Growth Remarks
UpSave 10,000

50,000

    
GSave 20,000

10,000

    
LazSave 50,000 40,000    
MaxSave 100,000 0    
Total ADB 180,000 100,000 80,000 Eligible for promo
GSave, LazSave, and UpSave ADB 80,000 100,000 -20,000 Will not receive additional interest rates
 
Scenario 4:

 

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

Account Type

May ADB

 April ADB ADB Growth Remarks
UpSave 0

50,000

    
GSave 100,000

10,000

    
LazSave 0 20,000    
Fast Plus 1,000 0    
MaxSave 0 50,000    
Total ADB 101,000 130,000 -29,000 Not eligible for promo
GSave, LazSave, and UpSave ADB 100,000 80,000 20,000 Will not receive additional interest rates

Get Started On Your Savings Journey! 

UpSave

  • Get interest rate as high as 2.5% p.a.
  • No minimum amount required to earn the interest rate
  • Grow your balance with zero cash-in fees.
Learn More

GSave

  • Watch your savings grow with interest rate as high as 2.6% p.a. 
  • Enjoy zero initial deposit and zero maintaining balance.
  • Save straight from the GCash app and access your savings whenever, wherever.
Learn More

Frequently 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 the 3.0% p.a. interest as long as you have an active and unblocked GSave, LazSave, and/or UpSave account.

 

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, LazSave, 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 10% p.a. (3.0%, +1.0%, +1.5%, +2.0%, +2.5%) interest rate.
  • Note: Additional interest rate rewards is only applicable for your first PHP 100,000 ADB growth on GSave, LazSave, and/or UpSave this month.

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