Welcome to CIMB

Features:

Any time is a good time to invest in gold.

With CIMB Bank Gold Investment Account (“GIA”), you can now buy and sell gold via a passbook account and cash out whenever you want.

Invest in 99.9% pure gold today for potentially higher returns in the long term.

Features and Benefits of CIMB Bank Gold Investment Account:

Minimum Initial Deposit	5 grams
Minimum subsequent Purchase / Sale	5 grams and must be in multiples of 1 gram
Minimum Quantity for Physical Gold Withdrawal	100 grams and in multiples of 100 grams
Account Opening Requirement	Customer to open an affiliate conventional savings/current account (“designated affiliated account”) prior to opening a GIA to facilitate the purchase or sale of gold and other charges. The designated affiliate account is compulsory and customers without a CIMB Bank savings/current account would be required to open one.
Mode of Operation	Passbook
Gold Purchase Price	Gold purchase will be based on the Bank’s prevailing gold SELLING price quoted in RM per gram The mode of payment accepted for purchase of gold are: - Debiting current/savings account maintained with CIMB Bank
Gold Sale/ Withdrawal	Gold sale will be based on the Bank’s prevailing gold BUYING price quoted in RM per gram Withdrawal options available are: - Credit into the designated affiliate account - Physical gold collection by customer at CIMB Kuala Lumpur Main Branch, 11 Jalan Raja Laut, 50350 Kuala Lumpur.
Interest	No interest payout
Benefits	Customer will make a capital gain if there is an appreciation in gold price. To earn potentially higher return from appreciation in gold price Invest in gold without having to keep the gold physically Good hedge against inflation Affordable initial purchase and subsequent investment Convenience of investing in gold as trading is carried out through a passbook.

CIMB Bank Gold Investment Account Agreement - English & Bahasa Malaysia

Product Disclosure Sheet - English & Bahasa Malaysia

Eligibility:
	Individuals aged 18 years and above who are either residents or non-residents.
	Joint account is allowed.
	Minor of below 18 years old.

Requirements:
	NRIC or passport.
	MyKid or Birth Certificate for minor below 18 years old.

Products/Items

Charges

1

Physical Gold Withdrawal
(Collection of physical gold by customer at CIMB Kuala Lumpur Main Branch, 11 Jalan Raja Laut, 50350 Kuala Lumpur)

RM1 per gram of gold ordered (inclusive of insurance and transport charges)

2

Fee for failure of collection of physical gold ordered (in the event of failure to collect the physical gold ordered within thirty (30) business days from the date of the Bank’s notification letter)

RM1 per gram of gold ordered (inclusive of insurance and transport charges)

3

Annual Service Fee

RM5 in the event gold balance falls below 5 grams at year end

4

Replacement of Lost / Spoilt Passbook

RM20 (Inclusive of Stamp Duty on Letter of Indemnity)

5

Closing of GIA (within 6 months of its opening)

RM10

Property Financing

Personal Financing