Any review on the recent ocbc 2 months FD claimed interest 4.5%p.a ??
any hidden T & C....
Fixed Deposit Rates in Malaysia V3, Read 1st post to find highest rate.
Fixed Deposit Rates in Malaysia V3, Read 1st post to find highest rate.
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Aug 4 2012, 05:36 PM
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Junior Member
249 posts Joined: May 2012 |
Any review on the recent ocbc 2 months FD claimed interest 4.5%p.a ??
any hidden T & C.... |
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Aug 4 2012, 08:08 PM
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Junior Member
171 posts Joined: Jan 2012 |
Anyone get back the scb rm300 for the supersalary account? I deposit rm34500 since 9 may. But stI'll not see the rm300 in my acct?
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Aug 4 2012, 09:34 PM
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Senior Member
4,228 posts Joined: Jan 2009 |
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Aug 4 2012, 10:21 PM
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Junior Member
171 posts Joined: Jan 2012 |
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Aug 4 2012, 11:35 PM
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Senior Member
748 posts Joined: Oct 2011 From: ~The Millionaire's Mindset~ |
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Aug 5 2012, 07:26 AM
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All Stars
18,400 posts Joined: Oct 2010 |
I made an online 4.5%FD placement last friday.
First bank in the money into an existing CASA with internet banking (except SmartSaver which can only be dealt with over the counter). Once the amount is cleared made the placement online with a max of rm25000. As simple as that. |
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Aug 5 2012, 03:27 PM
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Junior Member
249 posts Joined: May 2012 |
QUOTE(MGM @ Aug 5 2012, 07:26 AM) I made an online 4.5%FD placement last friday. The T&C stated for online banking customer only... how about those who hav credit card with online banking but doesnt have ocbc bank acc? must apply a ocbc saving account also ka?First bank in the money into an existing CASA with internet banking (except SmartSaver which can only be dealt with over the counter). Once the amount is cleared made the placement online with a max of rm25000. As simple as that. |
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Aug 5 2012, 07:57 PM
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All Stars
18,400 posts Joined: Oct 2010 |
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Aug 5 2012, 09:58 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur |
QUOTE(vinvon23 @ Aug 5 2012, 03:27 PM) The T&C stated for online banking customer only... how about those who hav credit card with online banking but doesnt have ocbc bank acc? must apply a ocbc saving account also ka? Just open OCBC Basic Savings Account to enjoy the online-only FD @ 4.5% p.a. (2-mth tenure) |
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Aug 6 2012, 08:23 AM
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All Stars
18,400 posts Joined: Oct 2010 |
For the OCBC 4.5%-online-FD promo, the reason one has to have a CA/SA first is becos u have to use the money from this account to make the FD placement ONLINE.
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Aug 6 2012, 08:36 AM
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Junior Member
442 posts Joined: Jan 2011 |
I make a placement on the OCBC 4.5% online FD promo last Sat, upon success saw the statement mentioned that it is 4.5%
It is pretty easy to make a placement through online. Got a saving account a while back when I apply the CC from them too. |
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Aug 6 2012, 08:57 AM
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All Stars
18,400 posts Joined: Oct 2010 |
QUOTE(chrono7 @ Aug 6 2012, 08:36 AM) I make a placement on the OCBC 4.5% online FD promo last Sat, upon success saw the statement mentioned that it is 4.5% Just in case of dispute, I suggest you keep a softcopy of the FD details.It is pretty easy to make a placement through online. Got a saving account a while back when I apply the CC from them too. |
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Aug 6 2012, 01:23 PM
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Junior Member
249 posts Joined: May 2012 |
any suggestion on a better saving account? basically i jus wanna use it for placement of the fd only.. for this ocbc...
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Aug 6 2012, 01:28 PM
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Senior Member
16,872 posts Joined: Jun 2011 |
QUOTE(chrono7 @ Aug 6 2012, 08:36 AM) I make a placement on the OCBC 4.5% online FD promo last Sat, upon success saw the statement mentioned that it is 4.5% bro, OCBC got online FD placement feature?It is pretty easy to make a placement through online. Got a saving account a while back when I apply the CC from them too. |
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Aug 7 2012, 10:54 AM
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Newbie
2 posts Joined: Jul 2012 |
Planning to put 20k FD for 12months , maybank promo (everage 3.7%) best for 12months right? any better promotion currently for 12month?
Added on August 7, 2012, 1:44 pmcant find the FD promotion @ m2u . any links? This post has been edited by Disappoint4d: Aug 7 2012, 01:44 PM |
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Aug 7 2012, 06:07 PM
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Junior Member
301 posts Joined: May 2012 |
QUOTE(Gen-X @ Aug 4 2012, 01:54 PM) RM1M no issue and even up to RM2M should not be a problem. Why don't you call OCBC CS and ask? And then report here You are right, I just made the placement today & there is no limit to the 3-month Savings Combo Promotion Only limit is my pocket As for the minimum 20% of the FD amount placed under SmartSavers Account. They offer 2.5% - 3% pa depending on the amount of montly deposit into this account. To get 3%, minimum monthly deposit is RM1,000. |
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Aug 7 2012, 06:13 PM
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Senior Member
939 posts Joined: Jun 2007 From: cyberjaya,sunway. |
QUOTE(Disappoint4d @ Aug 7 2012, 10:54 AM) Planning to put 20k FD for 12months , maybank promo (everage 3.7%) best for 12months right? any better promotion currently for 12month? bank rakyat offer 4.01% for 12month.Added on August 7, 2012, 1:44 pmcant find the FD promotion @ m2u . any links? OCBC 4.5% smartsaving place, my place dont hv OCBC..T_T btw,i saw a guy took USD100000 paper money to show off at bank...it is true US got such a paper money? i think that guy kena cheated This post has been edited by Superkian: Aug 7 2012, 06:16 PM |
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Aug 7 2012, 10:39 PM
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All Stars
21,308 posts Joined: Jan 2003 From: Kuala Lumpur |
QUOTE(Superkian @ Aug 7 2012, 06:13 PM) btw,i saw a guy took USD100000 paper money to show off at bank...it is true US got such a paper money? i think that guy kena cheated Such a stupid fella.... Was it the Lebanese scammer @ http://www.papky.com/lebanese-billionaire-...rfeit-currency/ ![]() |
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Aug 8 2012, 01:04 AM
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Senior Member
4,228 posts Joined: Jan 2009 |
QUOTE(masbruno @ Aug 7 2012, 06:07 PM) You are right, I just made the placement today & there is no limit to the 3-month Savings Combo Promotion The min monthly deposit will need to continue for 2 months right, 1st on the start of 2nd month FD tenure and 2nd time on the start of 3rd month FD tenure. Please correct me if I'm wrong. Only limit is my pocket As for the minimum 20% of the FD amount placed under SmartSavers Account. They offer 2.5% - 3% pa depending on the amount of montly deposit into this account. To get 3%, minimum monthly deposit is RM1,000. Eg... 15 Aug - Open FD with SmartSaver a/c (30k in FD, 6k in SmartSaver) 15 Sep - Deposit 1k to SmartSaver (30k in FD, 7k in SmartSaver) 15 Oct - Deposit 1k to SmartSaver (30k in FD, 8k in SmartSaver) 15 Nov - FD matured (30k in FD + interest, 8k in SmartSaver + interest) |
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Aug 8 2012, 01:59 AM
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Senior Member
1,624 posts Joined: Apr 2011 |
QUOTE(1282009 @ Aug 8 2012, 01:04 AM) The min monthly deposit will need to continue for 2 months right, 1st on the start of 2nd month FD tenure and 2nd time on the start of 3rd month FD tenure. Please correct me if I'm wrong. this is what I was told by the young RM. caution, member here mentioned leng lui RM know nothing much about their products Eg... 15 Aug - Open FD with SmartSaver a/c (30k in FD, 6k in SmartSaver) 15 Sep - Deposit 1k to SmartSaver (30k in FD, 7k in SmartSaver) 15 Oct - Deposit 1k to SmartSaver (30k in FD, 8k in SmartSaver) 15 Nov - FD matured (30k in FD + interest, 8k in SmartSaver + interest) no need to bank in exactly on the 15th, as long as you bank in the following calendar month. It calculates based on calendar month no need to bank in in Nov coz 15 Aug is considered as the first month. |
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