Minimum Balance in CIMB Savings Account (2025/2026)

Source: https://www.cimb.com.my/en/personal/day-to-day-banking/cards/debit-card/octo-debit-mastercard.html 

Minimum balance in CIMB Savings Account is an important factor to consider for anyone planning to open or maintain a CIMB savings account. The CIMB Savings Account remains one of Malaysia’s most popular banking options, offering flexibility, convenience, and accessibility for individuals from all walks of life. In 2025/2026, CIMB has updated its banking requirements and digital features, making it easier for customers to manage their savings while ensuring account stability through minimum balance rules.

Whether you’re opening your first savings account or comparing banking options, understanding the minimum balance in CIMB Savings Account is crucial. This guide explains how much you need to maintain, the consequences of falling below the balance, and which account type may be most suitable for your financial needs.

What is the CIMB Savings Account?

The CIMB Savings Account is a deposit account that allows individuals to save money securely while earning modest interest. It is suitable for everyday transactions such as salary deposits, ATM withdrawals, online transfers, and bill payments.

Unlike current accounts that are mainly used for business or large transactions, savings accounts are designed to encourage personal savings while providing liquidity when needed. In 2025/2026, CIMB has expanded its digital services, making it possible to open and manage savings accounts fully through CIMB Clicks.

Minimum Balance Requirement for CIMB Savings Account

Every savings account requires a minimum balance to keep the account active and avoid penalties.

• Standard CIMB Savings Account: RM20
  
• CIMB Basic Savings Account (BSN-linked): RM20
  
• Preferred / Premium Savings Accounts: RM1,000 or more
  
• CIMB Junior Savers Account (for children): RM1
  

These balances may seem small compared to Premier banking accounts, but maintaining them is crucial. Falling below the minimum can result in:

• Account dormancy (if inactive for 12 months).
  
• Monthly service fees.
  
• Potential account closure.
  

CIMB keeps its minimum requirement low for accessibility, making it one of the easiest banks to open a savings account with in Malaysia.

Types of CIMB Savings Accounts in 2025/2026

CIMB offers several savings account options, each designed for different needs.

1. CIMB Regular Savings Account
   
   • Minimum deposit: RM20
     
   • Suitable for daily use (salary deposits, online transactions).
     
2. CIMB Basic Savings Account
   
   • Designed for those who want zero maintenance fees.
     
   • Linked to Bank Negara Malaysia’s Basic Banking Services.
     
   • Requires RM20 to maintain.
     
3. CIMB Preferred Savings Account
   
   • Minimum balance: RM1,000 or higher.
     
   • Offers preferential rates and additional perks.
     
4. CIMB Junior Savers Account
   
   • For children under 18.
     
   • Minimum deposit: RM1.
     
   • Encourages early financial habits.
     
5. CIMB Islamic Savings Account-i
   
   • Shariah-compliant (based on Wadiah/Yad Dhamanah principles).
     
   • Profit-sharing instead of interest.
     
   • Minimum balance: RM20.
     

Each of these accounts has slightly different features, but the minimum balance remains among the lowest in Malaysia, which is why CIMB continues to be a strong choice in 2025/2026.

Interest Rates & Earnings on Savings

While CIMB savings accounts are accessible, the interest rates are modest. For 2025/2026, average rates range between 0.15% – 0.25% per annum for regular savings accounts.

Higher-tier accounts like CIMB Preferred may provide better returns, but these are still lower compared to fixed deposits or investment-linked products.

For customers who prioritise accessibility and convenience over high returns, savings accounts remain ideal.

Managing Your Savings Account with CIMB Clicks

Digital banking is now a necessity, and CIMB has integrated almost all savings account functions into CIMB Clicks (app + online portal).

With CIMB Clicks, customers can:

• Check balances and transactions.
  
• Transfer funds instantly (DuitNow, Interbank GIRO).
  
• Pay bills online.
  
• Set savings goals and auto-deductions.
  
• Receive security alerts to prevent fraud.
  

This makes it easy to monitor whether you’re meeting the minimum balance requirement without physically visiting a branch.

Penalties for Not Maintaining Minimum Balance

While the CIMB minimum balance is low, customers should still be aware of possible consequences if they fall below the threshold:

1. Dormant Account Fee – If no activity occurs for 12 months and the balance is under RM10, a service fee will be deducted.
   
2. Account Closure – If the balance remains below RM20 for a long period, CIMB may close the account.
   
3. Loss of Perks – For Preferred accounts, falling below RM1,000 may remove access to preferential services.
   

Maintaining the balance is not difficult, but awareness is key to avoiding unnecessary charges.

CIMB Savings vs Current Account: Which is Better?

For individuals, savings accounts are usually the best starting point.

• Savings Account: Best for daily use, small deposits, and personal finance.
  
• Current Account: Best for business owners, cheque facilities, and higher transaction limits.
  

In 2025/2026, CIMB continues to promote its savings accounts as a low-barrier entry to banking, while current accounts serve professionals and companies with bigger financial needs.

Tips to Maintain Your CIMB Savings Balance

Here are some easy ways to ensure you don’t fall below the minimum balance:

• Set Auto-Deductions: Link your salary or income to deposit directly into the account.
  
• Use CIMB Clicks Alerts: Enable balance alerts to know when funds are low.
  
• Keep a Buffer: Always maintain slightly more than RM20 to avoid accidental closure.
  
• Consider Junior Accounts: For children, start with RM1 deposits and gradually grow savings.
  

These small habits make sure your savings account remains active and hassle-free.

Is CIMB the Best Savings Account in Malaysia (2025/2026)?

When compared to other Malaysian banks, CIMB has some of the lowest minimum balance requirements, making it accessible to students, fresh graduates, and lower-income individuals.

• CIMB Savings Account: RM20 minimum.
  
• Maybank Savings Account: RM20–RM250 depending on account type.
  
• RHB Savings Account: RM20 minimum.
  
• Public Bank Savings Account: RM20–RM50 minimum.
  

This positions CIMB among the top banks for everyday Malaysians who want simple, cost-effective banking.

FAQs About CIMB Savings Account

1. What is the minimum balance for CIMB Savings Account in 2025/2026?
The minimum balance is RM20 for regular and basic accounts, RM1,000 for Preferred, and RM1 for Junior Savers.

2. What happens if I don’t maintain the balance?
Your account may become dormant, incur small fees, or be closed by the bank.

3. Can I open a CIMB savings account online?
Yes, via CIMB Clicks eKYC, which allows digital account opening with MyKad and selfie verification.

4. Do CIMB savings accounts earn interest?
Yes, but interest is modest (0.15% – 0.25% per annum). For higher returns, consider fixed deposits or investments.

5. Is there an Islamic savings account option?
Yes, CIMB Islamic Savings Account-i, which is Shariah-compliant.

Conclusion

The CIMB Savings Account (2025/2026) continues to be one of the most accessible banking options in Malaysia, with a minimum balance requirement as low as RM20 or just RM1 for children’s accounts. With digital integration via CIMB Clicks, managing savings has never been easier.

For individuals seeking a low-maintenance, secure, and flexible savings option, CIMB stands out as one of the top choices in the country. As long as you maintain the minimum balance, you can enjoy uninterrupted banking services with no unnecessary fees.

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