Suku Bunga & Porsi Bagi Hasil Nisbah Tabungan CIMB Niaga

Efektif 3 Juni 2025

Tier Saldo (Rp)	XTRA Savers/ XTRA Savers Manfaat	OCTO Savers/ OCTO Savers Payroll/ OCTO Savers Jr/ Junior/ Indie Account	XTRA Savers Non Individu	XTRA Payroll External	Tabungan Investor
Tier Saldo (Rp)	Bunga (% p.a)
< 2 Juta	0.00%	0.00%	0.00%	0.00%	0.00%
2 Juta - < 250 Juta	0.10%	0.10%	0.10%	0.10%	0.10%
250 Juta - < 500 Juta	0.25%	0.25%	1.00%	0.25%	0.25%
500 Juta - < 1 Milyar	0.25%	0.25%	1.50%	0.25%	0.25%
1 Milyar - < 5 Milyar	0.25%	0.25%	1.50%	0.25%	0.25%
5 Milyar - < 10 Milyar	1.00%	0.25%	2.75%	0.25%	0.25%
≥ 10 Milyar	1.50%	0.25%	3.50%	0.25%	0.25%

Tier Saldo (Rp)	XTRA Perisai BPJS TK/ XTRA Pandai/ TabunganKu	Simpel	XTRA Dinamis
Tier Saldo (Rp)	Bunga (% p.a)
< 2 Juta	0.00%	0.00%	1.00%
2 Juta - < 250 Juta	0.10%	0.00%	1.00%
250 Juta - < 500 Juta	0.25%	0.00%	1.00%
500 Juta - < 1 Milyar	0.25%	0.00%	1.00%
1 Milyar - < 5 Milyar	0.25%	0.00%	1.00%
5 Milyar - < 10 Milyar	0.25%	0.00%	1.00%
≥ 10 Milyar	0.25%	0.00%	1.00%

Tier Saldo (Rp)	XTRA Savers iB	XTRA Savers Non Individu iB	OCTO Savers iB / OCTO Savers Payroll iB	OCTO Savers Jr/ Junior iB/ Indie Account iB	Pahala iB
Tier Saldo (Rp)	Nisbah
< 2 Juta	1.00%	1.00%	1.00%	1.00%	1.00%
2 Juta - < 250 Juta	1.34%	1.34%	1.34%	1.34%	1.34%
250 Juta - < 500 Juta	3.35%	13.39%	3.35%	3.35%	3.35%
500 Juta - < 5 Milyar	3.35%	20.08%	3.35%	3.35%	3.35%
5 Milyar - < 10 Milyar	13.39%	36.82%	3.35%	3.35%	13.39%
≥ 10 Milyar	20.08%	46.86%	3.35%	3.35%	20.08%

Tier Saldo (Rp)	XTRA Payroll External iB	Tabungan Investor iB	Simpel iB Mudharabah	TabunganKu iB Mudharabah
Tier Saldo (Rp)	Nisbah
< 2 Juta	1.00%	1.00%	1.00%	1.00%
2 Juta - < 250 Juta	1.34%	1.34%	1.34%	1.00%
250 Juta - < 500 Juta	3.35%	3.35%	3.35%	1.00%
500 Juta - < 5 Milyar	3.35%	3.35%	3.35%	1.00%
5 Milyar - < 10 Milyar	3.35%	3.35%	3.35%	1.00%
≥ 10 Milyar	3.35%	3.35%	3.35%	1.00%

USD - Konven
XTRA Savers Valas	XTRA Savers Valas Non Individu
Bunga (% p.a)
< 100 = 0.00%	< 100 = 0.00%
100 - < 10K = 0.10%	100 - < 10K = 0.20%
10K - < 50K = 0.10%	10K - < 100K = 0.50%
50K - < 500K = 0.50%	100K - < 500K = 1.00%
≥ 500K = 1.00%	≥ 500K = 1.25%

USD - iB Mudharabah
XTRA Savers iB Valas	XTRA Savers iB Valas Non Individu	Pahala iB/ CIMB Junior iB
Nisbah
< 100 = 0.50%	< 100 = 0.50%	< 100 = 0.50%
100 - < 10K = 2.04%	100 - < 10K = 4.08%	100 - < 10K = 3.02%
10K - < 50K = 2.04%	10K- < 100K = 10.19%	≥ 10K = 7.55%
50K - < 500K = 10.19%	100K - < 500K = 20.39%
≥ 500K = 20.39%	≥ 500K = 25.48%

SGD	EUR/CNY/GBP/AUD/HKD/CAD/CHF/JPY/NZD/SAR/THB/KRW/MYR
XTRA Savers	XTRA Savers
Bunga (% p.a)	Bunga (% p.a)
< 100 = 0.00%	> 0 = 0,00%
100 - < 50K = 0.10%
50K - < 500K = 0.25%
≥ 500K = 0.75%

Note:

Bunga dalam % per annum (p.a)
Tabungan Syariah Mudharabah dinyatakan dalam nisbah (porsi bagi hasil Nasabah) di mana imbal hasil yang didapatkan oleh Nasabah dapat berubah sesuai dengan GYD di bulan berjalan
Metode perhitungan bunga dan nisbah berdasarkan saldo rata-rata bulanan dengan tiering progressive (kecuali XTRA Dinamis)
Tabungan XTRA Dinamis, CIMB Junior, dan Indie Account sudah tidak dapat dibuka