If the rm3k cannot withdraw, better go with efd and earn 3.15%

but efd required 10k right ..

Nope. Most bank 1 month eFD required min rm5k. Banks like Ambank, Bsn let you put eFD 1 month with minimum of 1k. For Ambank, it earn you 3.15%

ok thanksss

Hey did some light research just now and i dont completely understand some stuff:
Can non muslims go for the wadiah saving account?
Basic savings account for RHB and CIMB are 0.45%, is it the market rate now or something... If not, which account would be the best for a student...

Can no problem. Wadiah savings account need to pay RM8.48/year. You can opt out of it and ask for FOC account but that will limit you to 4x/month ATM withdrawal a month.

Basic savings account for RHB and CIMB are 0.45% - rubbish rates

If not, which account would be the best for a student...
Depend on what you want.
a) high interest with limited withdrawal/online transfer a month?
- Ambank True Savers, FOC (no yearly fees), 2.8% p.a interest, Free unlimited IBG (truetransect - which is open together with truesavers), 3x ATM/IBG/month (for truesavers)

b) unlimited atm withdrawals
- Any bank but you will need to pay minimum RM8.48/year

c) easy to find atm
- Maybank
- Cimb
- BSN

d) public uni, rural area
- BSN

Hope this help.

This post has been edited by Ramjade: Feb 23 2016, 05:10 PM

Thanks bro, helped a lot

FD rate now is increasing, bank want more people to save with them

Actually it's dropping. Banks easily come out with 4.5% last year. This year, all drop.

So still sure about interest increasing?

quite sure will drop too. banks getting hints and rumours that bnm might drop by 25 pts when zeti retires.

that's was so last year

Affin Bank: Revision of Deposit Rates effective 1 April 2016

http://www.affinbank.com.my/General/Rates/...f-Rates_BI.aspx

This post has been edited by cybpsych: Mar 2 2016, 11:48 AM

UOB: Earn up to 3.5% p.a. with your savings account [ UOB | T&Cs ]

Maybank purposely issued atm card that easily worn out and over the years you cannot see the number at the front of the card for use in case of emergency. card replacemt fees is rm10 some more.

dishonest way to earn rm10 from everyone.. lol!

Just take pic/scan the card. Problem solve.

not about me at all i can call and get the number alright .

about the bank , bank producing cheapest quality card and troubling customers, hence the complaint.

"SAVINGS FOR WHEELS" Deposit Promotion Winners List [ HLB ]
01 Dec 2015 - 29 Feb 2016

Winners List - Dec 2015
Winners List - Jan 2016
Winners List - Feb 2016

Malaysians still among the world’s top savers
http://www.freemalaysiatoday.com/category/...lds-top-savers/

that is why you can see many big shots are in FD and amanah saham forum

This post has been edited by aromachong: May 18 2016, 08:32 AM

hahaha so true