• Unfixed Deposit™

Look up to a better future with returns of 4.3% p.a.* when you place 12 months CIMB Unfixed Deposit™ with us.

#Livemore with the flexibility to partially withdraw your funds when you need it most, while your remaining balance continues to enjoy this rate!

Campaign period: 1 July till 30 September 2018

Visit your nearest CIMB Bank or CIMB Islamic Bank branch today to make your placement!


  1. Placement must be made over the counter at any branch of the Bank. Not available through eFD (online placement via CIMB Clicks).
  2. Applicable for Fixed Deposit (FD), Fixed Return Income Account-i - Monthly Returns and Fixed Return Income Account-i - Maturity Returns (FRIA-i).
  3. Special rates are applicable for one cycle only. Upon maturity, the 12 months principal FD/FRIA-i placement will be automatically renewed at prevailing 12 months CIMB Bank FD/CIMB Islamic FRIA-i board rate.
  4. Interest/profit earned will be credited to customers’ CIMB Bank/CIMB Islamic Current Account/Savings Account (CASA/-i).

Member of PIDM. Eligible for protection by PIDM.


CIMB Unfixed Deposit™ gives you the flexibility to make partial withdrawals while your balance continues to enjoy great rates:

Greater freedom to chase your dreams, and live them.

Freedom to make home feel more like home.

Freedom to travel whenever you want.

Freedom to start new chapters.

Unlock your funds and still earn interest

CIMB Unfixed DepositTM lets you make withdrawals in multiples of RM1,000 while your remaining balance continues to enjoy a longer-term Fixed Deposit rate*.


*Withdrawals shall be in multiples of RM1,000 only. The first three months of the Fixed Deposit tenure need to be completed.

Flexibility for your funds

Free up your cash whenever you need it most yet still maintain your interest rate.

Earn higher returns on your savings

Lock your money with your Unfixed DepositTM.

A choice of terms from 1 - 60 months

Save a fixed amount of money in Ringgit for a fixed period at a fixed interest rate.

Additional Features

Withdrawal is allowed with a minimum of RM1,000 and in multiples of RM1,000 under the same account number ( this is applicable for new and renewed Unfixed DepositTM account effective 18 January 2015 onwards).

A minimum of RM1,000 needs to be maintained except for one month Unfixed DepositTM placement. 

Upliftment of an Unfixed DepositTM before maturity is allowed but payment of interest is subject to the following conditions:

  1. No interest will be paid on any 1 month, 2 months or 3 months fixed deposit that has not run the full period,
  2. No interest will be paid on fixed deposits of 4 months and above if Uplifted before the completion of 3 months and,
  3. Other than in the above-mentioned circumstances, the rate payable for fixed deposits uplifted before maturity is half the contracted rate for each completed month the funds have been deposited.


Frequently Asked Questions

1.What is Unfixed DepositTM?
This is a fixed deposit that allows multiple withdrawals from your FD/FRIA-i account before the maturity date.

2.Does this apply to all tenures?
This applies to all tenures. Please note that the contracted interest/profit is only payable if the tenure has completed more than 3 months.

3.How much is the minimum amount for a withdrawal from my Unfixed DepositTM?
Each withdrawal must be a minimum of RM1,000 and in multiples of RM1,000. This is subject to a minimum balance required for the respective tenure, otherwise, the account must be uplifted and closed.

4.Is there a minimum I need to maintain in my Unfixed DepositTM?
 You just need to maintain a minimum of RM1,000 (except for 1 month Unfixed DepositTM placement).

5.Can the withdrawal be performed via online through Clicks?
No, at the moment, a withdrawal can only be done Over-the- Counter at your CIMB Home Branch.

6.My Fixed Deposit / FRIA-i was opened through Clicks (e-FD).
No. At the moment, Unfixed DepositTM withdrawals are not applicable to e-FDs.

7.Can I perform Unfixed DepositTM withdrawals for deposits that have been taken as collateral for an overdraft / cashline facility?
No, withdrawals are not allowed in this case, as the deposit is pledged as collateral.

8.What types of FD/FRIA-i is Unfixed DepositTM applicable to?

The feature can be applied to the following: (i) Fixed Deposit (ii) FRIA-i Maturity Returns (iii) FRIA-i Monthly Returns.


Eligible for PIDM protection. To view PIDM's brochure, click here

  • Individuals aged 18 years and above who are either residents or non-residents
  • Business enterprises operating in Malaysia
  • Joint account is allowed
  • Executors or administrators
  • Minimum initial deposit of RM5,000 for 1 month
  • Minimum initial deposit of RM1,000 for 2 months and above

Interest Rates

Unfixed DepositTM

*Unfixed DepositTM

Tenure (Mth)

Board Rate (p.a.)





































*  Inclusive of all conventional FD

  Types of Charges Charge
1 Reproduction of Statements for Unfixed DepositTM Account for period up to 1 year RM10.00 (upfront)
RM2.00 (additional page)
2 Reproduction of Statements for Unfixed DepositTM Account for period exceeding 1 year RM30.00 (upfront)
RM2.00 (additional page)
3 Withdrawal of Unfixed DepositTM; payment by Issuance of Local Demand Draft No commission
4 Withdrawal of Unfixed DepositTM; to be credited to customer's account at branches within the same clearing zone No charge
5 Withdrawal of Unfixed DepositTM; to be credited to customer's account at Branches not within the same clearing zone No commission
6 Withdrawal via Banker’s Cheque RM0.15 on stamp duty charges
7 Unfixed DepositTM under Lien (charged only once if renewal/placement is for the same purpose  the FD was assigned) RM15.00 per receipt
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