OCBC 360 for me undoubtedly, unless they start to change the conditions like what happened to SG, I heard

m2u savers. 2.0%

if you don't bother the touuble can go for ocbc 360 for 4.1


and ocbc force save around 4 also.

AMBANK: Product Features Revision for Savers’ G.A.N.G. Account/-i and AmGenius Account

Dear Valued Customers,

Please be advised that effective Thursday, 1 November 2018 the Savers’ G.A.N.G. Account/-i and AmGenius Account will be revised as per below:



Please note that other product features will remain unchanged. For more information, please call our Contact Centre at 03 2178 8888 or kindly refer to any of the Customer Service Officers at our branch.

Thank you for banking with us.

The Great Savings Bonanza [ HLB | T&Cs ]
23 OCTOBER 2018-31 JANUARY 2019

Abundant Rewards! Start saving into your Hong Leong Savings or Current Account/-i today.

Hong Leong 3-in1 Junior Account/-i Fluffy Promo [ HLB | T&Cs ]
23 OCTOBER 2018-31 DECEMBER 2018

Open a Hong Leong 3-in-1 Junior Account/-i today and enjoy these amazing benefits!

not many ppl want to put money inside this type of fund. maybe no 1 explain to them.
my cash also park in money market 1 st of the month all in . before my credit card due date on 20 redeem . 2 days earlier i redeem and settle all cc debts. i have earn 18days interest on that.

Just saw this and seems pretty attractive
The RM 1,000 spend isn't actually that hard to reach especially when their cards have cashback. so I already put in an application for the JustOne card lol
That'll be like easily 0.5% + 2% + 1.5% = 4%, only slightly lower than OCBC 360
The insurance / UT part is a little meh tho. If they put in ETF / stocks as an option I might consider fulfilling.

Their card cashback is as good as no cash back., 1% cashback. Good luck. They are not worth it unless you have > RM30k.

Money market fund invest in fixed deposits. Apa insurance part?

Privilege$aver Campaign T&C
It's like:
0.5% Base
2.0% Deposit 3k every month
1.5% Spend 1k using their Credit Card
2.0% Spend 1k on their UT/Insurance

Their cashback card is alright now that there's BP. SC JOP is about 3.4% if you spend 2.5k.

Hey guys sorry for being a total noob here, recently i just got a stable income and going to start saving. From what i read here, seems like OCBC360 is the best for me.
I have been using MayBank saving account for quite long as it is easier for me to withdraw money(ATM everywhere).
My question is that does OCBC360 work the same way? Where I can withdraw money for my daily allowance and get all the %pa, or is there a high minimum deposit that i need to keep in the account in order to be qualified for those %pa? (apart for the deposit rm500 monthly, 3 bills and spend rm500).
From my understanding is that i need to have at least RM500 in the account, am i correct?

Thanks all!

PB Golden Savers Reward Campaign
Please be informed that the Campaign Period of “PB Golden Savers Reward” Campaign has been extended to 30 November 2018.

Click here for more information.

3.20% better than out into short term FD (less than 6 months seldom for promo).. any charges on this account? No ATM right since it doesn't encourage withdrawal?

no idea, me not eligible

do read the product info from the website

No minimum amount to keep. You can keep min RM1 inside but not RM0.

Not worth. Better go with PMMMF. Flexibility of withdrawal.

ocbc360 it the best so far in malaysia

You can withdraw the entire balance now if not mistaken.

So, currently which bank offer the best for saving accouint ?

I noticed the philip money market you mentioned has 0.5% management fee pa and 0.03% trustee fee pa.

If deducting those fees would leave us with nett return 3.17% pa (3.7% - 0.5% - 0.03%) is that right? How does the fees work exactly for philip money market?

With that in mind, comparing with ocbc 2.9% vs 3.17% philip money market, would it be a good idea to sacrifice the 0.27% pa extra for the instant withdrawal flexibility of normal saving acc?

This post has been edited by hong823: Nov 3 2018, 11:28 PM

Account > 90d with RM0 inside will automatically be close.


Depends on what you want lo.

Wrong. 3.7% is already nett fees. So is 3.7% vs 2.9%

Yes. But it is possible to withdraw the entire balance and leave RM0 inside the account at any time.