interesting, got to check it out.
transfer from truesaver to truetransact will consider as a withdrawal count for the 3x limit?

Unfortunately yes. Any transfer/withdrawal from Truesavers whether by atm or ibg is counted as 1 withdrawal. So you need to plan carefully with Truesavers. Best is use a cc and pay off using Truesavers. That way, only 1x withdrawal

I having multiple CC to pay end of month, and cash top up to wallet end of month.

so the strategy here will be transfer total amount (CC1 + CC2 + cash needed) to truetransact (1x count)
truetransact pay to CC1 and CC2 for free IBG (2x transaction here)
truetransact withdrawal cash to my wallet (1x ATM here)

then i will only used for 1x withdrawal from truesaver.
is this valid? 

Lazy to read from top of the page.
How much money for floating you have? If always got rm5000, why not use only FD as savings account?
I'm doing this using Maybank's online FD, now is an Aspire member also which gives slightly more interest when it matures.
The lowest interest rate are 3.1-3.15%pa which still higher than all this.
Every month I'm sure got 1 FD matures, so I make money first before spend it. Now the interest gained are more than enough to pay my monthly bills and 350g of my son's milk.

Better use maybank Islamic efd. The only efd to give 3.25% for 1 month tenure. Why give the bank free makan of 0.1%?

Yup. But truetransact got no interest.  Recommend you to call up your card customer service and change payment date so you can "synchronised" all your payment. Tell them it is easier for you as you pay bills and stuff like that one shot. If customer service cannot help, go to bank and ask to change payment date.

all my credit card is having the same payment date, no worry.

is there any minimum amount need to keep on the truetransact account ?
for the 5x ATM withdrawal in any MEPS ATM, it mention it will credited to truetransact as a rebate 1st of following month.
so i think that should be a minimum to keep in truetransact account for them to deduct this fee.

cklimm so not worth it. Need to deposit RM500, spend RM500 using ocbc cc. Better I use hl wise cc which can give 10%. Unless ocbc can come out with a cc which can give 10%.

Still cannot beat ambank Truesavers with no conditions. Ocbc not sincere.

Hey guys, OCBC is now offering a brand new savings account,
interest rate up to 4.1%p/a, upon fulfilling some requirements

can share more why you like ambank Truesavers with no conditions ?

i saw from

https://ringgitplus.com/en/savings-account/...rs-Account.html

only 2.6%

- No need to topup every month unlike OCBC   (even if you didn't topup this month, any money inside will be still be given 2.8% p.a.)
- No minimum amount required unlike M2Savers   (M2Savers require you to have >=RM2k, then only they will give interest of 2.25%)
- High interest at 2.8%   (You tell me where got any other bank account can give you this level of interest without any T&C? Unless you are VIP customer)
- Free IBG
- Withdrawing of any money will not affect the interest unlike OCBC   (OCBC eSmartsavers will drop interest to 0.5% for that month )

4.1% p.a for a saving account?!

those requirements must have some catch to get you into not eligible.

but i say its pretty good cause even right now highest fixed deposit is only 4.26% by HLB with PIDM coverage.

I supposed all saving accounts comes with PIDM coverage?

My Truetransact is RM0.   

So, have you been keeping the balance in True Transact account as RM 0 for several months, without any penalty fee being charged to your account?

For me, I just keep it as RM 1. Look like I may follow your footstep in keeping it as zero. 

4.1% p.a for a saving account?!

those requirements must have some catch to get you into not eligible.

but i say its pretty good cause even right now highest fixed deposit is only 4.26% by HLB with PIDM coverage.

I supposed all saving accounts comes with PIDM coverage?

My Truetransact is RM0.    Transfered everything into Truesavers. Will only transfer back to Truetransact when I need it.

have you tried to use the 5x free MEPS withdrawal?

here is the TnC
http://www.truebyambank.com/Documents/TRUE...sterCardPDS.pdf

if i transfer rm500 from trusaver to trutransact for withdrawal. then will have -1.06 on the truetransact account and then only will return to zero after 1st of following month?

Not all banks are protected, MBSB are 1 o them. But the FD rate are among the highest
MBSB owned by EPF, so it won't collapse easily

What bank is MBSB...?

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Nope. Never have the need to do so. My principle is always withdraw from the same bank atm to prevent additional charges (I do not let banks earn extra free money from me) . What I do is transfer the money when I need it to CIMB/maybank bank and then withdraw from CIMB/maybank atm. No charges.