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The SGD $8 monthly fee from month 13, the SGD-only account structure, the absence of cards and expense management tools, and the undisclosed FX markup on international transfers all become real obstacles as transaction volumes increase and financial workflows become more complex.",[],{"_key":3441,"_type":170,"children":3442,"markDefs":3467,"style":1188},"k1181",[3443,3447,3451,3455,3459,3463],{"_key":3444,"_type":174,"marks":3445,"text":3446},"k1175",[],"Aspire is a modern finance platform built for the way businesses operate today, bringing together a ",{"_key":3448,"_type":174,"marks":3449,"text":2635},"k1176",[3450],"k1166",{"_key":3452,"_type":174,"marks":3453,"text":3454},"k1177",[],", unlimited corporate cards with cashback, international payments from USD $8, and a full suite of ",{"_key":3456,"_type":174,"marks":3457,"text":2660},"k1178",[3458],"k1169",{"_key":3460,"_type":174,"marks":3461,"text":3462},"k1179",[]," tools, all in one place.",{"_key":3464,"_type":174,"marks":3465,"text":3466},"k1180",[1185],"FAQsIs there a minimum balance for the CIMB SME account?",[3468,3469],{"_key":3450,"_type":188,"externalUrl":2684,"linkType":145},{"_key":3458,"_type":188,"externalUrl":2691,"linkType":145},{"_key":3471,"_type":170,"children":3472,"markDefs":3477,"style":190},"k1185",[3473],{"_key":3474,"_type":174,"marks":3475,"text":3476},"k1184",[],"No. The CIMB SME account has no minimum balance requirement and no fall-below fee at any point. 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Local transfers via FAST, GIRO, PayNow, and payroll are free and unlimited throughout.",[],{"_key":3495,"_type":170,"children":3496,"markDefs":3501,"style":1205},"k1197",[3497],{"_key":3498,"_type":174,"marks":3499,"text":3500},"k1196",[1185],"How do I open a CIMB SME account online?",[],{"_key":3503,"_type":170,"children":3504,"markDefs":3509,"style":190},"k1201",[3505],{"_key":3506,"_type":174,"marks":3507,"text":3508},"k1200",[],"CIMB SME account opening online is available via CIMB's Online Business Current Account platform at cimb.com.sg. You can apply using either CorpPass or your UEN. The application takes approximately 15 minutes to complete, and your account number is issued near-immediately upon successful submission. No branch visit is required for Singapore or Malaysia-incorporated businesses.",[],{"_key":3511,"_type":170,"children":3512,"markDefs":3517,"style":1205},"k1205",[3513],{"_key":3514,"_type":174,"marks":3515,"text":3516},"k1204",[1185],"Is the CIMB SME account suitable for businesses with foreign directors?",[],{"_key":3519,"_type":170,"children":3520,"markDefs":3525,"style":190},"k1209",[3521],{"_key":3522,"_type":174,"marks":3523,"text":3524},"k1208",[],"Yes. The CIMB SME account online application is open to all Singapore-incorporated businesses, making it one of the more accessible traditional bank account options for international founders in Singapore.",[],{"_key":3527,"_type":170,"children":3528,"markDefs":3533,"style":1205},"k1213",[3529],{"_key":3530,"_type":174,"marks":3531,"text":3532},"k1212",[1185],"What is the CIMB SME account international transfer fee?",[],{"_key":3535,"_type":170,"children":3536,"markDefs":3541,"style":190},"k1217",[3537],{"_key":3538,"_type":174,"marks":3539,"text":3540},"k1216",[],"International telegraphic transfers via BizChannel@CIMB are charged at a standard flat fee of SGD $15 per transfer, currently waived until 31 December 2026. The FX markup applied to the exchange rate is not published by CIMB but is only visible when you initiate a transfer; businesses making large international transfers should check the live rate via BizChannel or directly with CIMB before transacting.",[],{"slug":301,"title":302},{"_type":154,"alternativeText":3544,"height":1055,"url":3545,"width":1057},"CIMB SME account review in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F6135703fceace705c82672ff48b44363\u002Fshared_cover_shared-cover-best-debit-card-comparison.png",[3547,3554,3562,3569,3575,3582],{"_key":1183,"_type":170,"children":3548,"level":1305,"listItem":2184,"markDefs":3553,"style":190},[3549],{"_key":3550,"_type":174,"marks":3551,"text":3552},"k1",[],"The CIMB SME account is a Singapore dollar current account designed for startups and growing SMEs, offered by CIMB, one of ASEAN's leading banking groups with deep roots in the Singapore–Malaysia corridor",[],{"_key":3555,"_type":170,"children":3556,"level":1305,"listItem":2184,"markDefs":3561,"style":190},"k5",[3557],{"_key":3558,"_type":174,"marks":3559,"text":3560},"k4",[],"There's no monthly fee for the first 12 months; from month 13, a flat SGD $8 per month applies. There's no minimum balance and no fall-below fee at any point",[],{"_key":3563,"_type":170,"children":3564,"level":1305,"listItem":2184,"markDefs":3568,"style":190},"k8",[3565],{"_key":1190,"_type":174,"marks":3566,"text":3567},[],"FAST, GIRO, PayNow, and payroll transactions are all free and unlimited via BizChannel@CIMB, one of the strongest free local transfer packages available from a traditional Singapore bank",[],{"_key":1198,"_type":170,"children":3570,"level":1305,"listItem":2184,"markDefs":3574,"style":190},[3571],{"_key":1201,"_type":174,"marks":3572,"text":3573},[],"International telegraphic transfers are charged at a standard rate of SGD $15 flat per transfer via BizChannel, currently waived until 31 December 2026. The FX markup applied to all international transfers is not listed publicly and can only be seen at the time of transfer",[],{"_key":1210,"_type":170,"children":3576,"level":1305,"listItem":2184,"markDefs":3581,"style":190},[3577],{"_key":3578,"_type":174,"marks":3579,"text":3580},"k13",[],"The account does not include a debit card, corporate card, multi-currency wallet, expense management tools, or accounting software integrations",[],{"_key":3583,"_type":170,"children":3584,"level":1305,"listItem":2184,"markDefs":3589,"style":190},"k17",[3585],{"_key":3586,"_type":174,"marks":3587,"text":3588},"k16",[],"CIMB SME account opening online is available to all Singapore and Malaysia-incorporated businesses with no restriction on director nationality or number of directors",[],[3591],{"_key":1183,"_type":170,"children":3592,"markDefs":3596,"style":190},[3593],{"_key":3550,"_type":174,"marks":3594,"text":3595},[],"If keeping local banking costs low is a priority for your business, the CIMB SME account is an option you must review. It offers unlimited free FAST, GIRO, PayNow, and payroll transactions with no caps, no minimum balance requirement, and a fully online application process open to virtually any Singapore or Malaysia-incorporated business. This CIMB SME account review covers features, fees, eligibility, and how it compares to modern alternatives, so you can make an informed decision for your business.",[],"2026-07-24T00:00:00.000Z",{"_type":149,"metaDescription":3599,"metaTitle":3600,"socialShareImageUrl":3601},"CIMB SME account review: features, fees, minimum balance, online account opening, and how it compares to fintech alternatives in Singapore","CIMB SME Account Review 2026",{"_type":154,"alternativeText":3544,"height":1055,"url":3545,"width":1057},"cimb-sme-business-account-review",[3604,3611,3617,3623,3629],{"_key":1183,"_type":170,"children":3605,"level":1305,"listItem":3609,"markDefs":3610,"style":190},[3606],{"_key":3550,"_type":174,"marks":3607,"text":3608},[],"SME Account product page, CIMB - https:\u002F\u002Fwww.cimb.com.sg\u002Fen\u002Fbusiness\u002Fsolutions-products\u002Fcash-management\u002Fcommercial-current-accounts\u002Fcimb-sme-account.html","number",[],{"_key":3555,"_type":170,"children":3612,"level":1305,"listItem":3609,"markDefs":3616,"style":190},[3613],{"_key":3558,"_type":174,"marks":3614,"text":3615},[],"SME-i Account product page, CIMB - https:\u002F\u002Fwww.cimb.com.sg\u002Fen\u002Fbusiness\u002Fsolutions-products\u002Fcash-management\u002Fcommercial-current-accounts\u002Fcimb-sme-i-account.html",[],{"_key":3563,"_type":170,"children":3618,"level":1305,"listItem":3609,"markDefs":3622,"style":190},[3619],{"_key":1190,"_type":174,"marks":3620,"text":3621},[],"Corporate Pricing Guide, CIMB - https:\u002F\u002Fwww.cimb.com.sg\u002Fcontent\u002Fdam\u002Fcimbsg\u002Fbusiness\u002Fdocuments\u002Ffees-charges\u002Fcurrent-account\u002Fcorp-pricing-guide%20-%20Feb2025.pdf",[],{"_key":1198,"_type":170,"children":3624,"level":1305,"listItem":3609,"markDefs":3628,"style":190},[3625],{"_key":1201,"_type":174,"marks":3626,"text":3627},[],"Online Business Account Opening FAQ, CIMB - https:\u002F\u002Fwww.cimb.com.sg\u002Fcontent\u002Fdam\u002Fcimbsg\u002Fbusiness\u002Fdocuments\u002Fobca\u002Fcimb-online-application-FAQ%20English.pdf",[],{"_key":1210,"_type":170,"children":3630,"level":1305,"listItem":3609,"markDefs":3634,"style":190},[3631],{"_key":3578,"_type":174,"marks":3632,"text":3633},[],"FX Online press release, CIMB - https:\u002F\u002Fwww.cimb.com.sg\u002Fen\u002Fbusiness\u002Fcimb-insights\u002Fmedia\u002F2025\u002Ffxonline.html",[],1790926662797]