CIMB Singapore SGD fixed deposit rates offer up to 2.15% p.a. from 17 Oct 2026

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CIMB Bank Singapore has raised its online Singapore Dollar Fixed Deposit promotional rates from 17 October 2026, offering up to 2.15% p.a. for Preferred Banking customers and 2.10% p.a. for Personal Banking customers on a 12-month placement.

💰 The latest revision brings higher returns for the 9- and 12-month tenors, while the shorter 3- and 6-month promotional rates remain unchanged. Qualifying online placements start from S$10,000, with four tenors available to suit different savings horizons.

CIMB Preferred Banking customers enjoy an additional 0.05 percentage point above the corresponding Personal Banking rate across all four promotional tenors. Once a qualifying fixed deposit placement has been successfully completed, the applicable interest rate remains fixed until maturity.

📊 CIMB Singapore SGD Fixed Deposit promotional interest rates

The following online promotional rates apply to eligible Singapore Dollar Fixed Deposit placements of S$10,000 and above from 17 October 2026:

All rates are expressed per annum and are subject to change for new placements. The promotional minimum is S$10,000 per placement.

📌 Important: The 2.15% p.a. rate applies to CIMB Preferred Banking customers, not automatically to every S$10,000 placement. CIMB generally requires a Total Relationship Balance of S$250,000 or a qualifying S$1 million mortgage relationship for Preferred membership. The standard Personal Banking 12-month rate is 2.10% p.a.

📌 The 12-month tenor delivers the highest published standard online promotional rate for both banking segments. For a shorter commitment, the 9-month tenor offers 1.85% p.a. for Personal Banking and 1.90% p.a. for Preferred Banking.

📌 Key eligibility and placement conditions

• Minimum promotional placement: S$10,000 per qualifying online fixed deposit.
• Maximum placement: S$1,000,000 per placement. Amounts exceeding this threshold require CIMB’s approval.
• Multiple placements: More than one placement may be held within an eligible account, subject to the bank’s requirements.
• Available promotional tenors: 3, 6, 9 and 12 months.
• Eligible customers: New and existing CIMB Singapore customers, subject to account eligibility, application approval and relevant checks.
• Account ownership: Personal and joint accounts only.
• Application channel: Online through CIMB’s supported digital application and banking channels.
• Preferred Banking benefit: An additional 0.05 percentage point above Personal Banking promotional rates for each listed tenor.
• Rate certainty: The applicable promotional rate remains fixed after successful placement until maturity.
• Other promotions: Promotional benefits generally cannot be combined with other offers unless CIMB expressly permits otherwise.

⚠️ Check maturity instructions: Unless different instructions are given, CIMB may automatically renew the principal and interest for the same tenor at its prevailing promotional rate, if available, or its board rate. The renewal rate may be lower than the original promotional rate. Select the appropriate maturity instructions when making the placement.

Of note, CIMB’s Fast Fixed Deposit promotional terms do not specify a fresh-funds requirement for the standard online fixed deposit promotion.

💡 Alternative option – CIMB Why Wait Fixed Deposit-i

For a Shariah-compliant savings alternative, CIMB also offers the CIMB Why Wait Fixed Deposit-i Account.

Unlike a conventional fixed deposit that pays interest according to its maturity arrangements, the Why Wait Fixed Deposit-i uses the Murabahah concept and provides the agreed profit upfront instead of waiting until maturity. This offers a different return-payment structure for customers seeking Shariah-compliant deposit arrangements.

CIMB’s published online promotional profit rates for qualifying placements of S$10,000 and above are:

These promotional profit rates match the corresponding conventional SGD Fixed Deposit Personal Banking online rates. The conventional Preferred Banking rates remain 0.05 percentage point higher across the four listed tenors.

For new Why Wait Fixed Deposit-i applicants, CIMB facilitates the placement through a CIMB FastSaver-i account, with funds transferred from another bank in Singapore. Account-opening and verification requirements apply.

💹 Rate trend – What changed from 1 October 2026?

Compared with CIMB’s previous fixed deposit rate update from 1 October 2026, the latest increase is concentrated in the 9- and 12-month tenors.

• 3 months: Unchanged at 1.35% p.a. for Personal Banking and 1.40% p.a. for Preferred Banking.
• 6 months: Unchanged at 1.75% p.a. for Personal Banking and 1.80% p.a. for Preferred Banking.
• 9 months: Personal Banking rises from 1.75% to 1.85% p.a., while Preferred Banking increases from 1.80% to 1.90% p.a. 💹 Increase of 0.10 percentage point for both segments.
• 12 months: Personal Banking rises from 1.95% to 2.10% p.a., while Preferred Banking increases from 2.00% to 2.15% p.a. 💹 Increase of 0.15 percentage point for both segments.

The latest revision therefore favours deposits held for nine months or longer. The larger 12-month improvement also widens the interest-rate difference between the longest tenor and the shorter promotional options.

📌 Final thoughts

CIMB Singapore’s refreshed online fixed deposit rates offer an improved opportunity to secure predictable returns on SGD savings, particularly for the 9- and 12-month tenors. With the highest standard promotional rate at 2.15% p.a. for Preferred Banking and 2.10% p.a. for Personal Banking, the 12-month placement stands out for funds that can remain set aside for a full year.

💡 For comparison, RHB’s fixed deposit promotion from 9 October 2026 offers 2.20% p.a. for a 12-month Premier Banking placement from S$20,000, compared with CIMB Preferred’s 2.15% p.a. from S$10,000. RHB’s Premier membership requirements also differ, so the two offers are not automatically accessible to the same customers. For smaller placements below S$10,000, SingFinance’s rates from 16 October 2026 include online fixed deposits from S$1,000, although that tier’s highest listed rate is 1.50% p.a. and fresh funds are required.

• Before confirming a placement, review the selected tenor, funding account, banking eligibility and maturity instructions, and verify the latest offer through CIMB’s official SGD Fixed Deposit page. 💰
• For a wider overview of available options, browse the Singapore fixed deposit and savings rate comparison guide.
• Full product information and the latest displayed promotional interest rates are available on CIMB’s official SGD Fixed Deposit product page. The detailed eligibility, placement and renewal conditions can also be reviewed in the CIMB Fast Fixed Deposit Promotion Terms & Conditions (PDF).

Promotional rates, separate sign-up incentives and application requirements are subject to CIMB’s prevailing terms and approval. Successfully completed qualifying fixed deposit placements retain their applicable fixed interest rates until maturity.

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