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Until Promo Ends

Eligibility and How to Qualify​

  • 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.

Savings in Sunlight Glow

Earn 4% 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 4% p.a. interest on all your balances this month – no cap!​

  • 4% 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 +2% p.a. interest by growing your Total ADB by at least ₱5,000

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

  • The additional 2% p.a. interest rate is applicable to the Total Average Daily Balance of up to ₱200,000 only 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, 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. ​

  • Only applicable to existing deposit customers:​

         For the month of May: Applicable to UpSave and/or GSave accounts opened on or before March 31, 2024.

For the month of June: Applicable to UpSave and/or GSave accounts opened on or before April 30, 2024.

Earn +2% p.a. interest by spending ₱ 5,000 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 rate is applicable to the Total Average Daily Balance of up to ₱200,000 only and inclusive of other promo/s.
  • Valid transaction must be performed within the campaign period. Only successful and completed transaction will be considered. Any failed transaction, cancelled, and reversed 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 spending ₱50,000 using Virtual Debit Card.

  • 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 be applicable to your Total ADB of up to P200,000 only and inclusive of other promo/s.
  • Valid transaction must be performed within the campaign period. Only successful and completed transaction will be considered. Any failed transaction, cancelled, and reversed 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. ​
  • This is applicable to all new and existing deposit customers of GSave and/or UpSave accounts.​
  • Only CIMB Virtual Debit Card transactions are considered valid transactions for this campaign. ​

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

  • Customer must grow his/her total ADB by at least ₱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 up to ₱200,000 only 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, 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. ​

  • Applicable only to existing deposit customers: 

        For the month of May: Applicable to UpSave and/or GSave accounts opened on or before March 31, 2024.

       For the month of June: Applicable to UpSave and/or GSave accounts opened on or before April 30, 2024.

How to Compute for your Interest Earnings

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

 
Scenario 1:

 

Customer is an existing CIMB Bank UpSave account holder since March 03, 2022. On May 2024, 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 total average daily balance is PHP 180,000 and have fulfilled the conditions stated below. Customer is qualified for 4% p.a. applicable to total ADB + (2% + 4%) p.a. interest promo, applicable to first PHP 200,000 ADB only.

Account Type

Base Rate

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

a. No Condition promo rate​

(4%* p.a.)


b. Grown Total Average Daily Balance by PHP 100,000

(+2% p.a. and +4% p.a.)

 7.50% 
 180,000 31 P930  

*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

Scenario 2:

 

Customer is an existing CIMB Bank GSave account holder since August 17, 2023. On May 2024, 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 and has a total cummulative Virtual Debit Card transaction of Php 60,000. The total average daily balance is PHP 380,000 and have fulfilled the conditions stated below. Customer is qualified for 4% p.a. applicable to total ADB + (2% + 4%) + (2% +3%) p.a. interest promo, applicable to first PHP 200,000 ADB only.

  Account Type  

Base Rate

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

a. No Condition promo rate​

(4%* p.a.)


b. Grown Total Average Daily Balance by PHP 80,000

(+2% p.a. and +4% p.a.)

 

c. Has total cumulative spend of PHP 60,000 using Virtual Debit Card 

(+2% p.a. and +3% p.a.)

 

 1.40% 380,000 31 P366.49
11.00% 200,000 P1,515.56

*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 4% 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 4% p.a. interest on the Total ADB of your GSave and/or UpSave accounts this month – no cap!​
  • 4% 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 spending ₱5,000 using your Virtual Debit Card​

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

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

  • The additional 2% p.a. interest will be applicable to your Total Average Daily Balance of up to ₱P200,000 and inclusive of other promo/s.

  • Valid transaction must be performed within the campaign period. Only successful and completed transaction will be considered. Any failed transaction, cancelled, and reversed 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 spending ₱50,000 using Virtual Debit Card​

  •  Customer must spend a cumulative amount of at least ₱50,000 using his/her CIMB Virtual Debit Card for the qualifying month. ​
  •  The additional 3% p.a. interest will be applicable to your Total Average Daily Balance of up to ₱200,000 only and inclusive of other promo/s.
  •  Valid transaction must be performed within the campaign period. Only successful and completed transaction will be considered. Any failed transaction, cancelled, and reversed 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.

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

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

How to Compute for your Interest Earnings​

 

 

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

Scenario 1:

 

Customer is new to CIMB Bank with newly opened GSave and UpSave account on May 01, 2024. On the same month, customer has a total cummulative Virtual Debit Card transaction of Php 7,500. The total average daily balance is PHP 123,000 for both GSave and UpSave and have fulfilled the conditions stated below. Customer is qualified for 4% p.a. applicable to total ADB + 2% p.a. interest promo, applicable to first PHP 200,000 ADB only. No additional interest reward for ADB increase for new customer.

  Account Type  

 

Base Rate

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

a. No Condition promo rate​
(* 4% p.a.)

 

b. Has total cumulative spend of PHP 7,500 using Virtual Card 

(+2% p.a)

 3.50% 33,000 31 P79.57
GSave 2.60% 3.40% 90,000 P210.80

*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​

Scenario 2:

Customer is new to CIMB Bank with newly opened GSave account on May 20, 2024. On the same month, customer has a total cummulative Virtual Debit Card transaction of Php 80,000. The total average daily balance is PHP 625,000 for GSave account and have fulfilled the conditions stated below. Customer is qualified for 4% p.a. applicable to total ADB + (2% + 3%) p.a. interest promo, applicable to first PHP 200,000 ADB only. No additional interest reward for ADB increase for new customer.

  Account Type  

 

Base Rate

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

a. No Condition promo rate​

(+4%* p.a.)

 

b. Has total cumulative spend of PHP 80,000 using Virtual Debit Card 

(+2% p.a. +3% p.a.)

 1.40% 625,000 12 P233.33
5.00% 200,000 P266.67

*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! 

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

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 4% regardless if you are a new or existing customer. ​

​

To earn additional interest on your savings, you must perform Virtual Debit Card Transactions 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 9% p.a. (4% +2% +3%) interest rate. ​

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

     

    Note: Additional interest rate reward is applicable up to P200,000 total ADB only.

 

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

 

Ask us anything!

Terms and Conditions

Promo Terms & Conditions

 

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