The CIMB Niaga Syariah’s credit transfer is a third party financial deposit with the Islamic law principal Wadiah Dhamanah, where the bank ( mudharib ) is acting as the faniancial receptor and the client ( Shahibul maal ) as the financial owner. The deposit can be withdrawn anytime and the fund owner is not promised to receive any bonus nor reward. The Bank guarantees to return the client’s deposit.

Benfits:
1. The transaction facility
Anytime you need to, You can withdraw or deposit at your own time
2. As Easy as writing on your hand
For business purposes, you no longer need to carry cash around. You only have to use cheques / credit transfer tickets for any transactions.
3.  All the profitable benefits
Enjoy the benefits of various billing payments through niaga quick pay and Automatic fund management between accounts which can be used as bank reference.

Facilities
· Individual credit transfer clients will receive ATM cards that can be used for cash withdrawal and debit cards
· The ease of ordering cheque books and credit transfer tickets
· The e-banking access through ATM, Call Center 14041, Internet Banking,Ponsel Banking and self servide Terminal/SST

Requirements:
Individual deposit registration requirements
· A copy of ID
· Completing the application form

Coorporate deposit requirements
· Completing an application form
· Attaching the corporate legal certificate
· Attaching the corporate tax and registration number
· Attaching a copy of the ID from one of the related corporate board of directors members
· Letters of delegation if needed

 costs: