Promotions

Up to 15% p.a. New Year, New Save Promo

Promo runs from January 1 to January 31, 2025​

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Until Promo Ends

Eligibility and How to Qualify​

  • Promo runs from January 01 to January 31, 2025 ​
  • Customer must have at least one active and unblocked GSave and/or UpSave Accounts. Other deposit accounts are not eligible.​
  • All of the additional promo interest rewards are inclusive of other interest rate campaigns. ​
  • This is open to all new and existing GSave and/or UpSave customers

Earn 3.5% 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 3.5% p.a. interest on all your balances this month – no cap!​​
  • 3.5% p.a. interest 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 +1.0% p.a. interest by growing your Total ADB by at least ₱1,000​

 
  • Open to all new and existing deposit customers of GSave and/or UpSave accounts
  • New Customers: Customers must open a GSave and/or UpSave account during the campaign period and maintain his/her total Average Daily Balance (ADB) by at least P1,000 during the campaign period.
  • Existing Customers: Customers must grow his/her total Average Daily Balance (ADB) by at least P1,000 compared to the previous month’s total ADB
  • The additional 1.0% p.a. interest rate is only applicable to the Total Average Daily Balance growth from the previous month for existing customers, no cap, and inclusive of other promo/s.
  • 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, Dragonpay, GCash,  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 +2.5% p.a. interest by growing your Total Average Daily Balance by at least ₱5,000​

 
  • Open to all new and existing deposit customers of GSave and/or UpSave accounts
  • New Customers: Customers must open a GSave and/or UpSave account during the campaign period and maintain his/her total Average Daily Balance (ADB) by at least P5,000 during the campaign period.
  • Existing Customers: Customers must grow his/her total Average Daily Balance (ADB) by at least P5,000 compared to the previous month’s total ADB
  • The additional 2.5% p.a. interest rate is only applicable to the Total Average Daily Balance growth from the previous month for existing customers, no cap, and inclusive of other promo/s.
  • 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, Dragonpay, GCash,  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 +3.5% p.a. interest by growing your Total Average Daily Balance by at least ₱10,000​

 
  • Open to all new and existing deposit customers of GSave and/or UpSave accounts
  • New Customers: Customers must open a GSave and/or UpSave account during the campaign period and maintain his/her total Average Daily Balance (ADB) by at least P10,000 during the campaign period.
  • Existing Customers: Customers must grow his/her total Average Daily Balance (ADB) by at least P10,000 compared to the previous month’s total ADB
  • The additional 3.5% p.a. interest rate is only applicable to the Total Average Daily Balance growth from the previous month for existing customers, no cap, and inclusive of other promo/s.
  • 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, Dragonpay, GCash,  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 +4.5% p.a. interest by growing your Total Average Daily Balance by at least ₱50,000

 
  • Open to all new and existing deposit customers of GSave and/or UpSave accounts
  • New Customers: Customers must open a GSave and/or UpSave account during the campaign period and maintain his/her total Average Daily Balance (ADB) by at least P50,000 during the campaign period.
  • Existing Customers: Customers must grow his/her total Average Daily Balance (ADB) by at least P50,000 compared to the previous month’s total ADB
  • The additional 4.5% p.a. interest rate is only applicable to the Total Average Daily Balance growth from the previous month for existing customers, no cap, and inclusive of other promo/s.
  • 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, Dragonpay, GCash,  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:

 
Scenario 1:

 

Customer has no previous account/s with CIMB Bank PH and open a GSave account as a New to Bank on January 15, 2025. On January 2025, customer deposited to his/her GSave account via customer-initiated transaction using the valid cash-in channels. The total average daily balance for the month of January is PHP 18,000 and have fulfilled the conditions stated below. Customer is qualified for 3.5% p.a. applicable to total ADB and (1.0% + 2.5% +3.5%) 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 Net Interest Amount
GSave 2.60% 

No Condition Promo Rate (no cap)

a. *3.5% p.a. 0.90% 18,000 17 6.12

Grown ADB by Php 18,000 (ADB Growth by at least Php10,000)

b. +1.0% p.a., +2.5% p.a., +3.5% p.a.​ 7.00% 18,000 47.60

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave account respectively. Base rate is automatically credited every first day of the month.

 
Scenario 2:

 

The customer has been an existing CIMB Bank UpSave account holder since March 03, 2022. In January 2025, the customer increased his/her total ADB by Php 100,000 via a customer-initiated transaction during the same month compared to the previous month’s total ADB of Php 80,000 using valid cash-in channels. The total average daily balance is Php 180,000 and the customer has fulfilled the conditions stated below. The customer is therefore qualified for a 3.5% p.a. interest rate applicable to the total ADB and a promotional interest rate of (1.0% + 2.5% + 3.5% + 4.5%) p.a. applicable to the total ADB growth compared to the previous month.

Account Type

Base Rate

Fulfilled Conditions Interest Rates Reward 14 Business Days Promo Crediting Applicable Total ADB No. of days in a month Net Interest Amount
UpSave 2.50% 

No Condition Promo Rate (no cap)

a. *3.5% p.a. 1.00% 180,000 31 124.00

Grown ADB by Php 100,000 (ADB Growth by at least Php50,000)​

b. +1.0% p.a., +2.5% p.a., +3.5% p.a., +4.5%​ 11.50% 100,000 792.22

*This is inclusive of regular base rate of 2.5% p.a. for UpSave and 2.6% p.a. for GSave account respectively. Base rate is automatically credited every first day of the month.

Get Started On Your Savings Journey! 

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 3.5% as long as you are a deposit customer of UpSave or GSave​

 

To earn additional interest on your saving, simply grow your total Average Daily Balance (ADB) through the valid cash-in channels.​

Can I qualify for multiple promo rates?

Yes, definitely! ​​

  • All new and existing customers may earn up to 15% p.a. (3.5%, +1.0%, +2.5%, +3.5%, +4.5%) p.a. interest rate​.
  • Note: Additional interest rate rewards is only applicable for Total ADB growth this month​.

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Terms and Conditions

 

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