Savings Account in Malaysia
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 Oct 12 2020, 05:40 PM
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#1
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Senior Member
4,179 posts Joined: Mar 2012 From: Kuala Lumpur    
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Hi, wanna to ask u all about RHB Smart account.
I saw there is 1.80% extra if min RM2k inside your bal account. I already put 2K plus a bit, but the "transaction table" still show insufficient 1.6k to achieve Bonus tier 1. Anybody can advice for it? Thanks a lot. |
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Oct 13 2020, 05:15 PM
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#2
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Senior Member
4,179 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(!@#$%^ @ Oct 12 2020, 05:48 PM) wait another 2 days? Oh ya, I just realize already.. That is really funny if interbank transfer cannot count as "Save" category.. Dirty Trick this account. Need use cash deposit then can consider as "save" category. |
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Oct 14 2020, 04:22 PM
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#3
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Senior Member
4,179 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(GrumpyNooby @ Oct 13 2020, 05:18 PM) Isn't 3.4.1 (vii) refer to interbank fund transfer? Their tnc semua lump sum include those un-related such as saving account (not current account) mixed together bcome like "dictionary" tnc..  https://www.rhbgroup.com/files/personal/cur...2019_Eng_BM.pdf Can be see how they lazyness how they create tnc. QUOTE(lifekiat @ Oct 13 2020, 06:56 PM) Any one try with instant transfer from other online banking and it count? Maybe can use DN play around.QUOTE(birain @ Oct 13 2020, 09:23 PM) same with my bonus saver, last month top up RM500, got bonus int, this month top up RM500, said insufficient amount to qualify for bonus int. 😓 That means every month need go in and withdraw to ensure achieve 2k?If just put at there 2K min maintain (untouch) without in and out, is it still eligible? This post has been edited by JuneResources: Oct 14 2020, 04:24 PM |
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Dec 16 2020, 02:59 PM
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#4
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Senior Member
4,179 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(DragonReine @ Dec 14 2020, 01:44 PM) I think u misunderstood the terms Thanks a lot for your explanation.It's minimum RM2k in "fresh funds" per month, not RM2k balance means need to deposit/transfer in money from another source that's not from an RHB account (interbank transfer, cash, cheque from non-RHB bank etc.) as per the clause in TnC. Total transfered into your account must be RM2k in that same calendar month. When bank use "deposit" they mean actual deposit new money in, not what's already in account (that is called balance). Legally and in actual English, their TnC are correct. Just that you misunderstanding or your bank customer service didn't explain kot  You can actually see in their sample scenarios to explain how it works. Your case macam Scenario C, cos you didn't deposit RM2k so you don't reach the Save category of bonus interest.  Eventually this few months I got try about the RM2K.. Yes, you're right.. Need fresh funds RM2k per month... And only eligible for "traditional" way using Cash Deposit machine. I even try another source like you mentioned either your from RHB account or even other non-RHB bank account "instant transfer" or "duit now", that one also not in their category. It's only the way "back to traditional" only accept for Cash Deposit counter or machine only. |
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Dec 16 2020, 05:18 PM
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#5
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Senior Member
4,179 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(DragonReine @ Dec 16 2020, 04:34 PM) 🤔 Should not be. Instant transfer and Duitnow should work. Did you maintain monthly average balance of at least RM1k and deposit the RM2k in a single amount? Because I had no issues with instant transfer from other banks into smart account for salary payments. Yes, I got maintain the average bal at least 1k.. Play Safe maintain RM3K..Ok, never mind.. Wait next year I re-try again for Instant transfer and Duit now will monitor whether it is category of "Deposit" or not. |
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