CIMB OCTO MY - Mobile banking services

The CIMB OCTO MY App is filled with features designed to help you manage your banking securely and conveniently, no matter where you are.

Here’s what you can accomplish with CIMB OCTO MY:

Account Management & Controls

• Monitor account balances – Oversee your Current / Savings / Credit Card / Loan / Investment accounts.

• Fund Transfers – Execute local transfers instantly and enjoy quick, low-cost international transfers.

• Set Limits – Manage your CIMB Clicks / ATM card / Credit card limits directly from the app.

• Debit/Credit Card management – Enable or disable your card, modify your Card PIN, freeze/unfreeze your card, adjust credit limits, set overseas spending preferences, and more.

Payments

• Bill Payments with JomPAY - Pay various bills including TNB, Air Selangor, Celcom, Maxis, Digi, UMobile, Unifi, Astro, and others.

• Card/Loan Payments – Make payments for loans and cards to CIMB or other banks.

• Prepaid Mobile Top-Ups - Instantly top-up or reload your accounts for services like Hotlink, Digi Prepaid, Xpax, TuneTalk, UMobile prepaid, NJoi, etc.

• QR payments – Conduct cashless transactions easily across Malaysia as well as in Singapore, Thailand, Indonesia, and China.

• DuitNow AutoDebit (coming soon): Manage one-time or recurring payments effortlessly.

• DuitNow Request (coming soon): Send requests for payments via DuitNow ID.

Wealth Management

• e-Fixed Deposits & e-Term Investment-I (e-Tia-i) - Grow your investments on-the-go while enjoying competitive interest rates. You can make placements and withdrawals anytime, anywhere without needing to visit a branch.

• MyWealth (coming soon)– Oversee your investments such as ASNB/Unit Trust through a comprehensive wealth management platform.

Security

• SecureTAC – A safer method to approve your transactions by simply tapping to confirm, eliminating the wait for SMS.

• Lock Clicks ID – Take proactive measures to restrict access to your CIMB Clicks ID if any suspicious activities arise.

Additional Features/Services

• Applications – Apply for Personal Loans, cash advances, and more.

• Mailbox - Reach out for assistance through messages instead of making phone calls.

• E-Invoicing: Update your information to start receiving electronic invoices from 1 July 2025.

Enhance your banking experience with these customizable personalization options!

• Homescreen Quick Balance (customizable) - Get a swift overview of your balances from up to three selected accounts.

• Homescreen Quick Menu (customizable) - Simplify access to your frequently used banking functions.

• Nicknamizing Transactions – Assign nicknames to your transactions for easier tracking.

• Save Favorites - Mark your regular billers/recipients as Favorites for quicker transactions.

• Quick Payment - Approve payments up to RM500 (customizable) with just a biometric authentication or a 6-digit passcode, avoiding lengthy passwords.

Stay tuned for more exciting features made just for you!

We will keep introducing new functionalities and enhancing the app based on user feedback.

FREQUENTLY ASKED QUESTIONS (“FAQ”) – FOREIGN EXCHANGE POLICY NOTICES

What is Foreign Exchange Policy (“FEP”) and FE Notices?

It is part of the broad prudential toolkits used by Bank Negara Malaysia (“BNM”) to maintain monetary and financial stability.

In exercise of the powers conferred by the Financial Services Act 2013 (“FSA”) and the Islamic Financial Services Act 2013 (“IFSA”), BNM issued the FE Notices.

A customer will need to obtain a written approval from BNM to undertake or engage in any transaction listed in Schedule 14 of the FSA or IFSA that is not approved by BNM under the FE Notices.

When and why do I need to be concerned about the FE Notices?

When a Resident is dealing/transacting in foreign currency OR when a Non-Resident is dealing/transacting with a Resident or in Ringgit.

It is important for you to ensure that your dealing/transaction complies with the applicable FE Notices or direction or any condition(s) imposed by BNM under its written approval. Any person who contravenes it commits an offence and shall on conviction be liable to imprisonment for a term not exceeding ten years or to a fine not exceeding fifty million ringgit or to both pursuant to section 214(9) of the FSA and section 225(9) of the IFSA.

Please note that CIMB reserves the right to reject your transaction if there is reasonable doubt of the compliance of your transaction to the applicable FE Notices. We are also obliged to report to BNM upon suspicion of any non-compliance.

How do I know if the prudential investment limit applies to me? 

Investment limit will apply if you have outstanding domestic Ringgit borrowing AND

when you:

(i) convert Ringgit into foreign currency for investment purpose;

(ii) transfer your fund from Trade Foreign Currency Account (FCA) into Investment FCA; or

(iii) swap Ringgit denominated financial asset in Malaysia for a financial asset in Labuan Entity or outside Malaysia.

The investment limit will not apply if you have no outstanding domestic Ringgit borrowing whereby you are free to invest in any amount in foreign currency assets onshore or offshore.

Do I compute my investment limit at individual or single entity level or do I need to aggregate the investments made by entities which I have control in?

For Resident Individual, Sole Proprietorship and General Partnership:

- to aggregate the investments made by the Resident individual, sole proprietorship and general partnership in which the resident individual has control in.

[Limit: RM1 million equivalent in aggregate per calendar year]

For Resident Entity

- to aggregate the investments made by the

Resident Entity and investments by all other

Resident Entities with Parent-Subsidiary

relationship within the same group