How High-Yield Business Accounts Can Boost Your Bottomline

Why You Shouldn’t Ignore High-Yield Business Accounts

Most business bank accounts don’t pay an interest rate on working capital and cash reserves held by businesses.
 

CIMB is changing the way businesses think about its cash in bank. Its CIMB BusinessGo Account and CIMB USD Interest Plus Account offer SMEs the opportunity to earn up to 2.88% p.a. on your first S$1 million and US$1 million in deposits.
 

Unlike traditional business bank accounts, the CIMB business accounts don’t tie you down with minimum average monthly balances or other restrictive conditions.
 

This promotion is available for a limited time until 31 December 2025, and for new business accounts opened from now till 30 November 2025. We’re also waiving off the minimum balance, charged at S$88 if minimum monthly average balances fall below $30,000, till 31 December 2025. 

How Much Interest Return You Can Earn

With CIMB’s BusinessGo Account and USD Interest Plus Current Account, you start off by earning a base interest rate once your deposits go above a minimum threshold. To sweeten the deal for businesses, this base interest rate has been upsized to 2.88% and start paying from your first dollar of cash in bank.¹ 
 

•  For example, if you opened the BusinessGo Account on 1 September 2025 with a balance of S$100,000, you stand to earn S$236.71 by 30 September 2025.
  
  
• And, if you kept the balances until 31 December 2025, you would earn close to $1,000 in interest returns.
  
  Use our Interest/Profit calculator to find out how much interest you can earn on your account balances with CIMB business accounts.
  
  

Unlike other business bank accounts, leaving your hard-earned cash reserves in CIMB’s high-yield business bank accounts doesn’t mean they sit idle. Every dollar works a little bit harder, growing a little more each day.

Business Accounts Designed for SMEs

We’re committed to growing our business banking presence in Singapore and in the region. One of the easiest ways to grow is to learn customer’s pain-points and offer viable business banking solutions to solve it.
 

For a start, we understand that entrepreneurs have more than enough to juggle each day. So, you’ll be pleased to know that CIMB does not place restrictive hurdles or additional hoops to jump before you unlock attractive interest rates on your cash reserves.
 

Running a business also means your cash is constantly moving for your day-to-day operations. Bills need to be paid, customer invoices are collected, and monthly payroll will take a big bite out of your cash balances.

CIMB designed its high-yield business accounts with this in mind:

• Daily interest calculation: while interest payments are credited monthly, your interest rates are calculated daily. This way, you retain full flexibility in using your cash reserves without losing out on any interest returns you’re entitled to.

• Full flexibility: No lock-in periods, no minimum average daily balances, no need to time your payments. Your interest returns get paid for everyday your cash is saved in your business account.

• Dual-currency: Since 7 in 10 Singapore businesses already have an overseas presence, CIMB’s high-yield business banking solution also extends to USD balances – with our CIMB USD Interest Plus account. 
   

Another major pain-point for businesses is that they may not be able to easily reach their business banking partners due to rising automation, being channelled to generic call centres and having to correspond through emails.

CIMB does things differently, assigning a Relationship Manager to every business banking customer to offer more personalised support for your banking aspirations.

A Business Account that Grows With Your Business

Leaving cash in a zero-interest rate business account is no longer just a missed opportunity, but an entirely avoidable business cost. The more cash in bank you have, the more you will earn in interest returns – up to S$1 million or US$1 million.

Take advantage of CIMB’s 2.88% p.a. promotional interest by opening your CIMB BusinessGo Account and/or CIMB USD Interest Plus Current Account by 30 November 2025. The interest rates and fee waivers are valid until 31 December 2025, giving businesses the rest of 2025 to enjoy enhanced returns.

Why Choose A Business Bank with CIMB

CIMB’s business accounts go beyond just paying an attractive interest rate. You can also look forward to working with a strategic partner that offers a competitive and comprehensive suite of business banking solutions:

• Waiver for cross-border for Telegraphic Transfer (TT) fees when making or receiving international payments within CIMB group’s global network.

• Guarantee best FX rates² for selected ASEAN currency pairs, such as SGD to MYR or SGD to IDR, when sending money overseas.
   

• CIMB Group has Comprehensive ASEAN coverage, making it easier and more convenient to expand and manage cross-border operations

At the end of the day, it is not just about tapping into high-yield banking with CIMB business accounts, it’s also about building a partnership with a regional business bank that fully understands what a growing SMEs will need – and goes the extra step to fulfil it.
 

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. 

*Terms and Conditions governing the NTB SGD and USD promotional interest/profit campaign apply. Click here for details. 

 ¹Terms and Conditions for the cash credit promotion. Click here for details.

 ²Terms and Conditions governing Best & Guaranteed rate. Click here for details.