CIMB Salary Account

First in the market, enjoy complimentary Takaful protection of up to RM200,000* with CIMB Salary Account, exclusively for CIMB@Work customers.

Get complimentary

Takaful Coverage

when you save with us

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CIMB@Work

to enjoy exclusive privileges

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Special Deals

with CIMB Debit Card

Benefits & Privileges

Complimentary Takaful Protection
Up to RM200,000* complimentary Takaful coverage:
- 36 Critical Illnesses
- Death or Total and Permanent Disability (TPD)
- No medical check-up or health declaration required, except for exclusions relating to pre-existing conditions
- No payments required
Terms and Conditions apply.
Be part of CIMB@Work to enjoy exclusive privileges
By opening a CIMB Salary Account, you are also automatically enrolled to join CIMB@Work programme and enjoy exclusive offers upon acceptance.
- Lower income requirement for selected CIMB Credit Card applications
- Lowered financing rates for your various needs
- Preferential foreign exchange rate for foreign telegraphic transfer at CIMB branches
Statement-Based Savings Account with Exclusive Debit Card Deals
Use your CIMB Visa Debit Card for daily spending and enjoy exclusive merchant offers across Malaysia.
- Enjoy dining, shopping, and lifestyle discounts nationwide
- Enjoy 20% cashback: Overseas Retail Spend and Tolls & Transits in Malaysia or overseas
Campaign Period: 1 January 2026 - 31 December 2026

Terms and Conditions apply

Your salary account does more than store your income—it helps you save as you spend.
Smarter Salary Banking with CIMB OCTO App
The CIMB OCTO App gives you full control of your CIMB Salary Account with smart, personalised features:
- Track salary credits and spending
- Transfer funds and pay bills instantly
- Customise alerts and banking preferences
Designed to support your everyday banking needs, all in one app.

Eligibility & Requirements

For CIMB Salary Account opening:

Individuals aged 18 years and above
Joint account is allowed
NRIC or passport
Minimum initial deposit of RM20

Protected by PIDM up to RM250,000 for each depositor.

To view PIDM’s brochure, click here.

For Takaful coverage criteria:

Has been successfully accepted as a CIMB@Work customers
Between age 18 and 69 years old (both inclusive) and the coverage is up to 70 years old
Maintained MAB of minimum RM2,500 in CIMB Salary Account

The coverage amount is adjusted monthly based on the Monthly Average Balance (MAB) two (2) months prior to that month, as outlined below.

Monthly Average Balance (MAB)	Critical Illness / Death / TPD Coverage Amount
Above RM100,000	RM200,000
RM50,000 - < RM100,000	RM100,000
RM30,000 - < RM50,000	RM60,000
RM20,000 - < RM30,000	RM40,000
RM10,000 - < RM20,000	RM20,000
RM5,000 - < RM10,000	RM10,000
RM2,500 - < RM5,000	RM5,000

CIMB Salary Account Interest Rates

Balance (RM)	Interest rate (p.a.)
First RM100,000.00	0.05%
Next RM100,000.01 - RM200.000.00	0.10%
Next RM200,000.01 - RM300.000.00	0.15%
Above RM300,000.00	0.30%

Interest rates effective 1 May 2026. Interest is calculated daily and credited monthly.

Terms & Conditions

Generic Savings Account

Savings Account Terms and Conditions (ENG)

Savings Account Terms and Conditions (BM)

CIMB Salary Account

CIMB Salary Account Terms and Conditions (ENG)

CIMB Salary Account Terms and Conditions (BM)

CIMB@Work

CIMB@Work Terms and Conditions (ENG)

CIMB@Work Terms and Conditions (BM)

FAQ

CIMB Salary Account FAQ

Takaful Coverage Documentation

Product Disclosure Sheet

Certificate of Takaful

Important Notes

*Complimentary Takaful Coverage

The Takaful coverage is managed by Sun Life Malaysia Takaful Berhad and is not available for purchase.
The Takaful coverage amount is adjusted monthly based on the Monthly Average Balance (MAB) in CIMB Salary Account two (2) months prior, subject to account holder meeting the eligibility outlined above, and is subject to the CIMB Salary Account Terms and Conditions.
A waiting period of three (3) months shall apply from each enrolment date for the Takaful coverage. No benefits shall be payable during the waiting period.
If an account holder holds more than one (1) CIMB Salary Account, the MAB will be calculated based on the aggregate MAB of all his/her active CIMB Salary Accounts, and he/she is only entitled to only one (1) Takaful coverage.
For a joint account, only the principal account holder of the CIMB Salary Account shall be entitled to the Takaful coverage.
Full details of the Takaful coverage, including definitions, exclusions, benefit limits, instructions on claim submission, and required supporting documents, are as stated in the FAQ, Product Disclosure Sheet, and Certificate of Takaful.
Any enquiries on the Takaful coverage can be addressed to wecare@sunlifemalaysia.com.

I'm looking for

First in the market, enjoy complimentary Takaful protection of up to RM200,000* with CIMB Salary Account, exclusively for CIMB@Work customers.

Takaful Coverage

CIMB@Work

Special Deals

Benefits & Privileges

Complimentary Takaful Protection

Be part of CIMB@Work to enjoy exclusive privileges

Statement-Based Savings Account with Exclusive Debit Card Deals

Smarter Salary Banking with CIMB OCTO App

Eligibility & Requirements

The coverage amount is adjusted monthly based on the Monthly Average Balance (MAB) two (2) months prior to that month, as outlined below.

CIMB Salary Account Interest Rates

Terms & Conditions

FAQ

Takaful Coverage Documentation

Important Notes

Need More Information?

CIMB Salary Account

First in the market, enjoy complimentary Takaful protection of up to RM200,000* with CIMB Salary Account, exclusively for CIMB@Work customers.

Takaful Coverage

CIMB@Work

Special Deals

Benefits & Privileges

Complimentary Takaful Protection

Be part of CIMB@Work to enjoy exclusive privileges

Statement-Based Savings Account with Exclusive Debit Card Deals

Smarter Salary Banking with CIMB OCTO App

Eligibility & Requirements

The coverage amount is adjusted monthly based on the Monthly Average Balance (MAB) two (2) months prior to that month, as outlined below.

CIMB Salary Account Interest Rates

Terms & Conditions

FAQ

Takaful Coverage Documentation

Important Notes

Need More Information?

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