Standard Chartered used to offer 2.50% p.a for e$aver back in late 2007 - first half of 2008 ... So, no. It's not really too good to be true.


Can only be opened online by yourself. You must also have M2U ID for that.

Yes. You can. This account will be automatically linked to your existing ATM/debit card (assume you already have one).

If it is as good as you made it sound it, why can you just post it here and share with all of us at one go ?

Pay what ?

A Venti-sized Starbucks Frappuccino is nothing ??

No. As Nidz said, this is a savings account and many people do keep RM10k+ in their savings account. People keep RM10k+ in their savings account for so many different reasons and this M2U is one of the very few savings account that actually gives you such a high interest rate.



This post has been edited by MilesAndMore: May 30 2014, 04:45 PM

As far as i'm concerned, only the money in your savings account can be withdrawn. There is no option for you to choose which savings account you want to withdraw your money from. I personally have tried this in Hong Kong just 2 months ago.

I have also tried using my MBB ATM/VISA debit card to withdraw money from other local bank's ATM and i was not given the option to choose which savings account i want to withdraw my money from. I had to manually transfer the money from my M2U Savers to my Wadiah Savings through Maybank mobile app.

It's actually RHB Bonus Saver. There was an active discussion about this 3 weeks ago at the AmBank True account thread.

It is. I've even closed my M2U Savers last week

Yeah. No use for it anymore

That's why people have been recommending the e-GIA for weeks now due to its flexibility normal FD can't offer.

You can find out more from the previous few posts before you started posting here.

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.

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.

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.

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.

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.

Not above but at least RM250 at all times.


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

Choose a)

I've checked a few of my GIA-i accounts and they all seemed to be divided by 365 days.

This post has been edited by MilesAndMore: Jun 4 2016, 03:27 AM