just use the m2u savers' rates as a guide. usually it's the same or comparable between both.

A service charge of RM20.00 (RM21.20 with GST) will be imposed if the Maybank2u Savers account is closed within three (3) months from the account activation date.

If account >3 months, FOC for account closure.


You can submit a request to close your account via Maybank2u.com. There are three (3) balance transfer methods for Account Closure:

Own Account Transfer
Third Party Transfer
Interbank GIRO (IBG)

If you select Own Account Transfer to transfer your balance, then the interest earned to date as well as the service charge (if any) will be calculated and closed online. If you select Third Party Transfer or IBG as the Closure balance transfer method, the closure will be handled by our Maybank Group Contact Center (MGCC) within 3 working days and you will be notified on the closure status via SMS.


If you're still interested, create a new Savers account again lor, or call CS to fix the current issue whereby you can't deposit into it.

jsut because you like truesavers, doesnt mean m2usavers is bad.

diff ppl has diff preferences.

that's the system issue. every bank has some issues, one way or another.

you generalize your preference and applies for all other ppl.

for me, m2usavers is good enough. dont care what truesavers offers cuz i hava no busieness with ambank; and wont bother anytime soon.

again, doesnt matter and i dont care what other banks are offering.

i have m2u savers and ocbc smartsavers. both are enough for me. simple as that. no need more, no need less.

4% p.a. profit rate is what you get *after* the 70/30 split.

correction to Gen-X's example in his blog post

Firstly, profit is given IMMEDIATELY after you uplift the eGIA-i. You dont have to wait until 1st of the month to see the profit

hence, in his example, the uplift/withdrawal on 26th May 2016 will see the principal+profit credited into the designated SA

example from my eGIA-i placements:




Secondly,Maybank2u eFD/eGIA-i placements can only be done from 6am till 10.30pm, 7 days a week including public holidays. I did try after 10:30pm or before 6am, M2U will block placement

This post has been edited by cybpsych: May 12 2016, 08:38 AM

screenshot is from my SA . it show the money going out and coming in back.

one is plscement, another is uplift. notice the credit debit columns.

This post has been edited by cybpsych: May 12 2016, 02:16 PM

why compare SA and eFD? both serves different needs anyway.

efd still lock your money for x period. premature withdrawal, no interest. money not accessible easily.

m2usavers gives u daily interest, as long as daily remaining balance >2k. if dip <2k, no interest. simple. use the money anytime like a normal SA, via online banking or ATM.

if u always have >2k and no use for >1 month, then efd is better.

it's the fluidity of money le. SA have no restriction

that's why I wrote above, if ur money has no use >1 month, then eFD serves the short-term purpose.

latest maintained at 4.0%p.a.

safe to say, mbb would just maintain 4.0% p.a. profit rate.

they are putting the date period just in case they wanna revise later, hence just treat it as 4.0% p.a.

the 2 placements >1 month, did you take account the monthly profit credited into sa?

if u gonna treat eGIA-i as a substitute to savings account, then no need open m2u savers . u need to keep 250 balance. better use wadiah since u can keep min rm1 balance.

choose a) Mudarabah Investment Account

the rest of the questionaires, i answered all NO

no impact or whatsoever. It's just a disclaimer from bank to "ensure" we read & understand the T&Cs of GIA-i investment.

forgotten liao hahha i literally answered all NO to the questions, but i think the last one is to agree to proceed or something

i think they just put the end-date to manage expectation, in case need to revise upward/downward.

so far, it has been at 4% p.a. from ending 15 Apr, ending 15 May, and now ending 15 June.

if u review the fund performance report, 4% goes way back till Q4 2015.

if u have min rm1k to spare, try the 2mths tenure. you can withdraw the next day, get 1 day profit @ 4% p.a.

hello, why did you reply to a very old post on 2011????


since you can went to that specific post to quote it today, didnt you read the subsequent posts below it which already explained and answered it?

pls post more info ?

1) when did you place?
2) amount you placed?
3) was it GIA-i inside M2U?

Maybank GIA @ 3.60%, effective from 16 September 2016 to 15 October 2016