How To Check Floating Money In CIMB

Floating money in CIMB refers to the temporary funds held in a CIMB Bank account in Malaysia before they are officially cleared for use. CIMB Bank, one of the leading financial institutions in Malaysia, follows a standard procedure for floating money which is essential in ensuring the security and integrity of financial transactions.

This process delays the availability of deposited funds to account holders, allowing the bank sufficient time to verify and authenticate the transactions. The floating money system in CIMB is crucial in mitigating risks associated with fraudulent activities and ensuring a seamless banking experience for its customers in Malaysia.

What does floating money in CIMB means?

“Floating money”” in banking terms typically refers to the period of time between when a deposit is made to an account and when the funds are actually available for use. This term is not exclusive to CIMB (a prominent Malaysian bank), but is used across the industry.

Banks may require time to process a deposit, especially if it’s made via check, due to the time needed to verify the funds are available from the issuing bank. During this time, the money is considered to be “”floating”” – it is recorded as a deposit but not yet available for withdrawal or other uses.

However, if you’re referring to a specific product, feature, or term used by CIMB Bank, it might be best to directly contact their customer service for a precise definition or explanation. Different banks sometimes use the same language to mean slightly different things.

How to check floating money in CIMB?

To check the “”floating money”” status or “”pending transactions”” in your CIMB account, you can use online banking, mobile applications or ATMs. Here are the steps to do so for each method:

Online Banking:

  • Go to the CIMB website on your computer.
  • Login to your account using your User ID and password.
  • Once logged in, navigate to your account dashboard.
  • Select the account for which you want to check the floating money.
  • You should be able to see the list of transactions. Pending or floating transactions may be indicated differently depending on the bank’s system.

Mobile Application:

  • Open the CIMB mobile application on your smartphone.
  • Login with your User ID and password.
  • Navigate to the dashboard and select the account for which you want to check the floating money.
  • The pending transactions should be listed in your transaction history.


  • Go to a nearby CIMB ATM.
  • Insert your ATM card and enter your PIN.
  • Select ‘Balance Inquiry’ or ‘Mini Statement’ to see recent transactions.

Please note that the ability to see pending transactions may vary based on the bank’s systems and policies. If you cannot find the information you need, it is recommended to contact CIMB’s customer service for assistance.

Is floating CIMB money and floating CIMB cheque the same?

The term “”floating”” generally refers to the period of time between when you make a deposit and when that money becomes available for use. In the context of banking with CIMB or any other bank, floating could apply to both money and cheques.

Floating a cheque refers to the time it takes for the bank to process the cheque after it has been deposited. During this period, the funds are not available in your account.

Floating money could refer to the time it takes for any type of deposit (cash, electronic transfer, etc.) to clear and become available in your account.

So, while both terms involve a period of unavailability of funds, they are not exactly the same as they refer to different types of deposits. Always check with your bank about specific policies and timelines for different types of deposits.

How can I check my pending transactions in CIMB?

To check your pending transactions in CIMB, you can use their online banking or mobile app. Here are the steps:

Online Banking:

  • Visit the CIMB Bank website.
  • Log in to your account using your credentials.
  • Once logged in, navigate to ‘My Accounts’ or ‘Account Overview’.
  • From here, you should be able to see all your ongoing transactions.

Mobile App:

  • Open the CIMB mobile app on your device.
  • Log in with your user ID and password.
  • Navigate to the ‘Accounts’ section.
  • In this section, you will be able to see your pending transactions.

Remember, the process may vary slightly based on your country and the features available on the website or app. If you have any trouble, don’t hesitate to contact CIMB customer service for more help.

Why is CIMB transfer on hold?

There are several potential reasons why a CIMB bank transfer could be on hold:

  1. Insufficient Funds: If the sender does not have enough funds in their account, the transfer could be on hold.
  2. Suspicious Activity: If the bank detects unusual activity, such as a large sum of money being transferred or several transfers being made in a short amount of time, they might put the transfer on hold to protect the account.
  3. Technical Issues: There may be issues with CIMB’s online banking platform.
  4. Account Verification: If the account details you entered do not match the records of the bank, the transfer could be put on hold.
  5. Bank Policy: Banks often have daily limits on how much money can be transferred. If the limit has been reached, any additional transfers may be put on hold.

If your transfer is on hold, it would be best to contact CIMB directly for assistance. They will be able to provide you with exact information.

What should I do if the money still floating in CIMB Clicks?

If your money is still “”floating”” or not reflecting correctly in your CIMB account, here are steps you can take:

  1. Check Transaction Status: Check your transaction status on CIMB Clicks. Sometimes it might take some time for transactions to be fully processed, especially if it involves another bank or if it’s made during non-banking hours.
  2. Check Account Balance: Sometimes, your money might not be reflecting due to issues with your account balance display. Refresh your account balance or try logging out and logging back in to see if your balance updates.
  3. Wait for a while: Sometimes, there might be a delay in reflecting transactions due to internal processing or technical issues. Wait for a while and check again.
  4. Contact CIMB Clicks Support: If you have waited for a reasonable amount of time and your money is still “”floating””, you should contact CIMB Clicks Support. You can do this through the CIMB Clicks website, or by calling CIMB’s customer service line. Be ready to provide details about the transaction, such as the time and date it was made, the amount, and the account it was made from/to.
  5. Visit a CIMB Branch: If you’re uncomfortable with online support or if the problem persists, you can visit a CIMB branch, but remember to bring all the necessary details about the transaction.

Remember, never share sensitive details like your password, PIN, and OTP with anyone, even if they claim to be from CIMB.

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