[Finterest] You can soon buy and sell stocks from the CIMB Bank app

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Targeted to go live in Q3 2025, the partnership between CIMB and DragonFi will let you trade stocks within the CIMB app and also manage your savings in the DragonFi app

MANILA, Philippines – For digital-savvy traders and investors, opening a position in the stock market is about to get a whole lot easier, especially if you have a CIMB bank account.

CIMB Bank Philippines is set to integrate stock trading directly into its platform. The digital-only bank, already a favorite among young savers for its user-friendly platform and high interest rates, will soon allow users to invest in the Philippine Stock Exchange without ever leaving the CIMB interface. 

This new capability comes through a partnership with DragonFi, a fast-growing online brokerage that launched in March 2024 and has already crossed 10,000 downloads. The two fintechs say their shared goal is to “democratize investing in the country by integrating banking and digital investing solutions into a seamless user experience.”

The integration goes both ways. DragonFi users will soon be able to open a CIMB savings account directly within the DragonFi app, through what CIMB calls an “embedded savings account powered by CIMB Bank PH.” This gives investors the ability to manage both their savings and investments in one place.

And don’t worry, CIMB has confirmed to Rappler that these savings accounts will be fully insured by the Philippine Deposit Insurance Corporation (PDIC), just like accounts opened through the CIMB app.

Once this goes live (targeted for Q3 2025), CIMB app users will be able to open a new investing account powered by DragonFi, fund it instantly from their savings account, and execute buy and sell orders in real time, all within the same app.

It’s also a way to tackle one of the most persistent frictions in personal finance: access. By integrating stock investing into a digital bank that’s already used by over 9 million Filipinos, CIMB is effectively opening the stock market to a wider population — many of whom may never have considered investing before. It’s a similar strategy to what fintech giants like GCash and Maya have done in recent years, when they successfully integrated stock trading into their widely used e-wallet apps.

More experienced investors could also learn a thing or two. Once this is implemented, CIMB app users will also gain access to DragonFi’s educational features, including the Creator’s Circle and Investing Club, which house insights from the brokerage firm’s research team.

CIMB and DragonFi also plan to launch a margin financing facility in 2026, which will allow approved investors to borrow funds to increase their purchasing power. While margin trading isn’t for everyone and involves amplified risk, it can be a useful tool for seasoned investors who want to act on short-term market opportunities without liquidating their other positions.

Here’s how it works: instead of needing to have 100% of the cash upfront to buy a stock, margin accounts let you borrow part of that amount, typically using your existing holdings as collateral. It’s a strategy often used by active traders and institutional investors to take larger positions.

Still, as with any leveraged product, caution is key. Remember that margin trading can magnify gains, but it can just as easily magnify losses. – Rappler.com

Finterest is Rappler’s series that demystifies the world of money and gives practical advice on managing your personal finances. 

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