(EXPIRED) CIMB S’pore up to 1.35% p.a. SGD fixed deposit promo from 1 Feb 2026

We are now on Telegram. Click to join

From 1 Feb 2026, CIMB Bank Singapore refreshed its promotional Singapore Dollar (SGD) Fixed Deposit (FD) rates for both Personal Banking and Preferred Banking customers.

Update 1 Mar: CIMB Singapore SGD Fixed Deposit promo up to 1.35% p.a. from 1 Mar 2026

Building on the earlier 1 Jan 2026 adjustment, CIMB’s headline promotional rate continues to go up to 1.35% p.a. for eligible customers who place their fixed deposits via the bank’s online channels. The 12-month promotional rates are also positioned higher versus the earlier update, which may be helpful for savers looking for a longer lock-in option 🧠💡.

In this promo, the highest advertised rate of 1.35% p.a. applies to Preferred Banking customers who place their FDs online. Personal Banking customers receive slightly lower, but still competitive, rates across the same tenors 🙂. For both customer segments, each FD placement requires a minimum of S$10,000 per transaction, and the promotional rates are online-only (branch placements do not qualify) 📲✅.

For Singapore-based savers who prefer predictable SGD returns (without market swings) 😌📈, fixed deposits can be a straightforward way to park funds for a defined period – especially when the saver is comfortable setting the money aside until maturity ⏳🙂.

📊 CIMB Fixed Deposit Rates (Effective 1 Feb 2026)

The promotional rates below apply to online placements only, with a minimum S$10,000 per placement for both Personal Banking and Preferred Banking 🧾🙂.

The rate difference between Personal Banking and Preferred Banking is modest but consistent across all tenors 😊 – effectively rewarding customers with a deeper banking relationship with CIMB 💳✨.

🔎 Who is eligible & how to place (online-only) 📲

• Open to new and existing CIMB Singapore customers, subject to CIMB’s usual account opening and eligibility checks 🙂.
• Online placement only: promotional rates apply only when the FD is placed using CIMB’s digital banking channels (internet/mobile banking). Branch placements typically do not qualify 🚫🏦.
• Minimum S$10,000 per placement (single tranche) for each tenor selected 💵.
• A CIMB current or savings account is generally needed to fund the FD and to receive proceeds/interest at maturity 🏧🙂.
• Customers should review the official Terms & Conditions (PDF) before committing funds, especially on eligibility rules, fees, and early withdrawal consequences 📄👀.

💡 Alternative option: Why Wait Fixed Deposit-I (upfront profit) 😄

For customers who prefer returns credited upfront, CIMB also offers a Shariah-compliant option: Why Wait Fixed Deposit-I Account 😊. This product is structured differently from a conventional FD, and the expected profit is credited at the start of the tenor.

That said, it may not mirror the same promotional pricing structure shown in the table above (including Preferred Banking promotional rates) 🤔. Savers typically compare the effective outcome carefully before deciding, especially if the goal is to maximise overall return 👍.

🔎 Compare before locking in 💬

Fixed deposit rates in Singapore can shift as banks adjust to market conditions 📉📈. Before locking in funds, savers often compare across banks and consider whether they prefer short-tenor flexibility or longer-tenor certainty 🙂.

For quick benchmarking, refer to this Singapore deposit rate comparison guide to see how CIMB’s online promo rates stack up against the wider market 🧐.

For official product details, features and charges, customers can also consult CIMB’s Fixed Deposit page 😊.

All rates and promotions are subject to change at CIMB’s discretion. Customers are advised to confirm the latest terms and prevailing rates directly with the bank before placing any fixed deposit 🙂.

Share this with your friends & loved ones on Facebook!