Search
Back
Personal
Personal Banking Preferred Banking Private Banking
Business
Business Banking Wholesale Banking
Group
CIMB Group CIMB Group Islamic
Our Initiatives
CIMB Sustainability CIMB Foundation
Back
Language
EN BM
 
Countries
logo CIMB Malaysia logo CIMB Indonesia logo CIMB Singapore logo CIMB Thailand logo CIMB Cambodia logo CIMB Vietnam logo CIMB Philippines
Back
Accounts  
Savings Account
Current Account
Fixed Deposit Account
Mudarabah IA
 
Riuh Durian Runtuh 2026 Campaign
Go for gold and cash prizes worth over RM1.4 million!
Valid until 31st Dec 2026
Find Out More
Cards  
Credit Cards & Services
Debit Card
 
CIMB Travel Perks
Explore the World with CIMB Travel Perks and unlock rewarding benefits, exciting privileges and seamless travel experience for your next unforgettable adventure
Find Out More
Financing  
Personal Financing
Property Financing
Auto Financing
 
Cash Plus Personal Loan
Get fast approval with CIMB Bank's Cash Plus Personal Loan. Enjoy low interest rates from 4.38% p.a.* and loan amounts up to RM100,000, repayable over 5 years.
Find Out More
Remittance  
See All Remittance
Currency Exchange  
See All Currency Exchange
Sustainability at CIMB  
See All Sustainability at CIMB
CIMB@Work  
See All CIMB@Work
More Services  
Auction
Islamic Banking Overview  
See All Islamic Banking Overview
Islamic Wealth Management  
See All Islamic Wealth Management
More Services  
Tabung Haji Services
Zakat Payment Service
Investments  
Investment Products
Insurance/Takaful  
Life Insurance/Family Takaful
Car and Motor Insurance/Takaful
Travel Insurance
Personal Accident Insurance
Credit Related Insurance/Takaful
Property Insurance/Takaful
Latest Promotions  
See All Latest Promotions
 
Riuh Durian Runtuh 2026 Campaign
Go for gold and cash prizes worth over RM1.4 million!
Valid until 31st Dec 2026
Find Out More
CIMB Deals  
See All CIMB Deals
Kita Bagi Jadi  
See All Kita Bagi Jadi
 
Komuniti
CIMB Kita Bagi Jadi Komuniti is our platform dedicated to economic empowerment, education, and enabling communities to thrive.
Find Out More
CIMB OCTO App  
See All CIMB OCTO App
CIMB Clicks  
See All CIMB Clicks
Apply for Products  
See All Apply for Products
DuitNow QR  
See All DuitNow QR
Personalised For You  
See All Personalised For You
Customer Help Centre  
See All Customer Help Centre
Locate Us  
See All Locate Us
Rates & Charges  
Forex Rates
Interest Rates & Charges
Profit Rates & Charges
Standardised Base Rate / Base Rate / Base Lending Rates / Base Financing Rate.
Calculators  
Credit Card Payment Calculator
Auto Financing Affordability Calculator
Property Monthly Instalment
Property Affordability Calculator
Auto Financing Instalment Calculator
ASB Financing Monthly Instalment
Pembiayaan Peribadi Awam-i Calculator
Security & Fraud  
Security & Fraud Awareness
Security Policy
Customer Surveys
SecureWord
Malware
Phishing
TAC
SMS/Phone Call Scam
Money Muling
Extra Care by CIMB  
See All Extra Care by CIMB
You're viewing:
Personal Banking
Other Sites
Day To Day Banking
Accounts
Cards
Financing
Remittance
Currency Exchange
Sustainability at CIMB
CIMB@Work
More Services
Islamic Banking
Islamic Banking Overview
Islamic Wealth Management
More Services
Wealth Management
Investments
Insurance/Takaful
Deals & Promotions
Latest Promotions
CIMB Deals
Kita Bagi Jadi
Digital Services
CIMB OCTO App
CIMB Clicks
Apply for Products
DuitNow QR
Personalised For You
Help & Support
Customer Help Centre
Locate Us
Rates & Charges
Calculators
Security & Fraud
Extra Care by CIMB
Quicklinks
Contact Us
Upload Documents
Check Application
logo
MY - EN

Receive

Upfront Cash Payment

Enjoy

Shariah Compliant

Choose

Maturity Period of 1, 2, 3, 6 & 12 Months

Benefits & Privileges

  • Shariah Compliant

    CIMB Why Wait account is a Shariah-Compliant fixed deposit product that uses the Shariah concept of Tawarruq.

  • Get Your Cash Upfront

    Why wait? With CIMB Why Wait Account, you get your returns as cash upfront. No need to wait for your deposit to mature.

  • Flexible Tenure

    Enjoy the flexibility if choosing period between 1, 2, 3, 6 & 12 months.

Start earning special eFD-i rates in just a few simple steps.

Via CIMB Octo App

Click on "Apply" button in your CIMB OCTO App

Select "Fixed Deposit"

Select “Fixed Deposit/-i Maturity Returns”

Input Amount & Tenure, Account for deduction and Profit Payment Mode

Review and Confirm your placement

Learn more and download CIMB Octo App

Scan this QR code to download CIMB OCTO App (https://onelink.to/cimbocto) from respective device app store.

Verify the URL before proceeding and do not enter any information on unverified pages.

Via CIMB Clicks Web

  Click on the button below and log in to your CIMB Clicks to enjoy special rates

Enter placement details

Select your current/savings account/-i and complete the transaction
Transfer from own CIMB Account/-i

Not a CIMB/-i Account holder?

Click here to apply.

Eligibility & Requirements

  • Joint account is allowed.
  • NRIC or passport is required.
  • Minimum deposit placement of RM10,000 for tenure of 1, 2, 3, 6 or 12 months.
  • Deposit increment in multiples of RM1,000.
Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Profit Rates

Fixed Deposit-i Why Wait Profit Rates

Based on the Shariah concept of Tawarruq.

Fees & Charges

Fixed Deposit-i Why Wait Fees and Charges

Terms & Conditions

Fixed Deposit-i Terms and Conditions (ENG)
Fixed Deposit-i Terms and Conditions (BM)
Declaration/ Disclosure by Applicant (ENG & BM)

Important Notes

  • Instant payment can be made via cheque, demand draft or funds transfer to any Islamic or conventional savings or current account.
  • Premature Upliftment: Allowed through a rebate or Ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price.
  • Partial withdrawal not available.

Need More Information?

Customer Help Centre

Find resources to solve simple issues you may face

Email Us

Drop us an email and we'll get back to you

Visit A Branch

Visit us at our branches nationwide

Call Us At

+603 6204 7788

(Available 24 hours)

More Options

You are about to enter a third party website & CIMB Group's Privacy Policy will cease to apply.

This link is provided for your convenience only and shall not be considered or construed as an endorsement or verification of such linked website or its contents by CIMB Group.

 

CIMB Group makes no warranties as to the status of this link or information contained in the website you are about to access.

 

Do you wish to proceed?

Yes, please proceed