Anyone know what is the GIA rate from today till next month? seem like the latest one yet to reveal.

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.

Guys, be careful when withdrawing your money in GIA-i. I noticed there are serious errors in a few of my GIA-i accounts placed last month.

For some unknown reasons, two of my GIA-i accounts with RM3,000 each placed for more than a month have accumulated just less than RM3 of profit only while some of my other GIA-i accounts with smaller amount that were placed at a later date have accumulated more profit.

Gotta call Maybank later.

there is a chance also GIA will have lesser then when placed during withdrawal...

Yes. Well aware of the risk but so far it's not happening now. The fund isn't making a loss and it is still declaring a profit rate of 4% per annum. So far I noticed the error in two accounts placed on the same date. Not sure about the other accounts yet but another one account that I opened a week later with smaller amount already accumulated RM6 in profit while these two accounts in question with RM3k each have accumulated just RM2 of profit respectively.

yeah, if compare to others with same time, not so make sense..

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

I spoke to the Maybank CS. Initially there was no solution to this as she wasn't familiar with this type of account. So she requested for a call back and she did call me back about 30 minutes later.

She mentioned about the first month profit being paid directly to my savings account. The two accounts in question were placed more than a month ago and profit for the first month should have been paid sometime early this month. But the problem is the account they are supposed to credit the profit to was closed late last month. I closed my M2U Savers late last month and the first month profit was supposed to be paid into this account.

She said I should have received around RM9.80 for my 3k placement in GIA-i for the first month (two accounts with the same placement amount affected so the total profit missing is RM19.60). Not sure where did the money go. To a ghost account may be.

others got nothing to worry about
this GIA-i is what i'm looking for because i have fund that is only available for 1 or 2 weeks a month

so, what are the solution? will they pay it back to you?

and is it due to the setting below? is it better to choose add to principle?




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The term for the three affected accounts is two months. Profit payment frequency is on a monthly basis. And profit payment mode is credit to account.

The problem came from profit payment mode. Upon the completion of the first month tenure, they were supposed to credit the profit to my M2U Savers account as that was the account I chose to credit the profit when I opened the GIA-i. But I closed my M2U Savers account about a week before the completion of the first month tenure of the three said accounts.

Are they going to pay the missing profit back to me ? Well, they have to.

so if you keep your savers account there with maybe rm10 inside then will be no problem.
and do the option add to principal will be better?
hope u can get back yr money asap.

The minimum we need to keel in our M2U Savers is RM250. Since I hardly use it these days, I decided to close it late last month.


You can do that. Or make sure you don't close your nominated savings account to receive the profit. But if you do decide to close your nominated savings account to receive the profit, then you must remember to change the account to receive the profit in your GIA-i to a savings account that is still active. This way you won't run into problem like I am facing now.

If currently my saving account has about rm2k, which account should i choose?

Where can I find information on the differences between Savers and Savers-i?

Go apply for Maybank wadiah. Go for the free one. Then open GIA.

Basically don't see a difference between them. Interest and min interest is the same.

There is a slight difference between Savers and Saver-i apart from one of it being Islamic.

Savers: RM2000 minimum to get interest. Under RM2000, you get nothing.
Savers-i: Still can get interest even if under RM2000, but it's only 0.4%. Above RM2000 is the same as Savers

Thanks for the information.

Beside this, any other hidden fee that we should aware?


I just browse thru the webs and found this

A fee of RM5.00 per transaction
A fee of RM5.00 will be charged if the customers perform transactions over the counter (OTC)
for transactions that can be fulfilled/done at Maybank2u.com or at Maybank kiosks.
Some of the examples of the transactions are as follows :
1. Withdrawal less than RM5,000
2. Perform GIRO transaction less than RM5,000
3. Transfer money less RM5,000


So mean if all my transaction go thru maybank2u, my min always above RM250, and my acc maintain at least 3months from activation date..

should be alright?

Not above but at least RM250 at all times.


Yes if you do not want to be slapped with early account closure fee.