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Savings Account in Malaysia
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MUM
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 Jun 28 2015, 02:29 PM
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QUOTE(sniperz @ Jun 28 2015, 02:23 PM) Regarding saving accounts, I have one at Public Bank. Let's say if I have 4-digit savings in the bank now and I want fixed deposit. How to apply? At least, I have some income protection or sort. Thanks and any investment opportunities? Let me know. Saving to FD is straight forward....... if you want some kind of protection.....most banks has PIDM protection for you monies... if you want to have investment opportunities.....(bear in mind as with any investments....there are risk of losing part/all) if that is ok...try look for some FD with Unit trust investment option... |
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MUM
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Jun 28 2015, 05:31 PM
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QUOTE(sniperz @ Jun 28 2015, 04:42 PM) FD is monthly or annually? I just wanted to secure for savings and little of it be for leisure. I guess some of you out there have sustained good incomes too. Best wishes!  Unit Trust? Let me know is the procedure difficult to make? for more on FD,...try readout for more info or seeks answer from there ...... Fixed Deposit Rates in Malaysia thread.... https://forum.lowyat.net/topic/3603223/+320#entry75116627for Unit trust.....try readout on Lyn threads ......example... Fund Investment corner https://forum.lowyat.net/topic/2601692Fundsupermart.com https://forum.lowyat.net/topic/3565625Public Mutual Funds https://forum.lowyat.net/topic/3580942 |
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MUM
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Nov 22 2016, 07:26 PM
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QUOTE(street @ Nov 22 2016, 07:22 PM) Never mind, I went to the bank myself. Apparently, you must present the bank officer a letter of employment, student ID, or business registration if you're self-employed. They need to do a background check for fraud prevention (misuse of account, money laundering, etc.). alamak....  then my neighbour's school drop out sons that are current working as hawkers can NEVER be allowed to open a bank S/A...liao   |
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MUM
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Jan 14 2019, 09:58 AM
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QUOTE(jerantut2011 @ Jan 14 2019, 09:46 AM) Hi, I have yet to open a UOB eAccount but feel that 3.5% p.a. interests on entire balance above RM 50k sounds too good to be true. I wonder if they pay lower interest for the first RM 50k, and only 3.5% for balance beyond RM 50k. Let me know once confirmed? googled and found this.... https://www1.uob.com.my/personal/useful/fees/e-account.pagehttps://uniservices1.uob.com.my/jsp/finance/fin_sav.jsp Attached thumbnail(s)
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MUM
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Feb 9 2020, 11:37 AM
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QUOTE(birain @ Feb 9 2020, 11:27 AM) which bank easier to open a saving account? public bank don't let me, they got so many excuses.   i wanna cash out my late mom's epf saving. 3.1 All Malaysian citizens and permanent residents shall be entitled to one basic savings account (BSA) and/or one BSA based on Islamic principles per DFI. https://www.bnm.gov.my/index.php?rp=guideli...ic_banking_servEffective 1 February 2005, all commercial banks and finance companies 1 will offer a basic savings account (BSA) and a basic current account (BCA), with no overdraft facility, to all individual Malaysians and permanent residents. The accountholders of BSA and BCA will have access to the following minimum services related to these accounts: https://www.bnm.gov.my/index.php?ch=en_pres...&ac=950&lang=en |
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MUM
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Jun 3 2020, 10:12 PM
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QUOTE(Anangie @ Jun 3 2020, 10:07 PM) Anyone have rhb smart account? one forummer in this previous thread mentioned he/she has one RHB SMART ACCOUT https://forum.lowyat.net/topic/4463875/+0 |
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MUM
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Aug 12 2020, 06:57 PM
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QUOTE(donnysen @ Aug 12 2020, 06:51 PM) which bank service is good? as a depositor or loan borrower? company a/c or individual a/c? normal account holder or priority banking account holder? wow, i would like to know that too.... for to be able to judge that, must really have actual experiences at those banks in Malaysia and judge them on the same situation too. good question |
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MUM
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Aug 20 2020, 11:04 AM
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QUOTE(jack2 @ Aug 20 2020, 10:59 AM) It seems AMBank True-Saver has highest interest? this? Attached thumbnail(s)
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MUM
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Oct 9 2020, 10:23 PM
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QUOTE(Xflkekw @ Oct 9 2020, 10:16 PM) Does anyone know how does the Tabung feature really work? Is it a seperate thing from your savings account? Does it still earn interest on your savings account? If not, why would you wanna put your money in the Tabung feature? googled and found this, Reach your goals with Tabung via the all-new app, MAE by Maybank2u https://www.maybank2u.com.my/maybank2u/mala...mae_tabung.page |
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MUM
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Jan 12 2021, 05:53 PM
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QUOTE(Nom-el @ Jan 12 2021, 05:40 PM) .......... No reason was given either in the letter. ........ They don't even need to tell me why? That is so unfair. So much for Treat Your Customer Fairly charter. Maybe I should demand for an explanation from HQ? Can they ignore my demand? I cannot appeal or explain myself if I do not know what I did wrong (if any). According to the image & link posted by yklooi.... The bank need not hv to gives you reason.... Read Yr s/a T&C to see if that clause is there? |
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MUM
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Jul 17 2021, 09:07 PM
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QUOTE(Human Nature @ Jul 17 2021, 09:05 PM) If that particular account is already zero balance? Is the bank allowed to take money from another savings account or FD? i think clause 16.4 will be applied... |
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MUM
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Jul 17 2021, 09:23 PM
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QUOTE(Human Nature @ Jul 17 2021, 09:12 PM) Yeah, i don’t mind that clause. I want to close the account but it is a joint account requiring both sides to sign. But having problem to get the other side to follow me to bank. If the bank can touch my other account or FD then problem. looking and interpreting this clause.... i think it will be auto close..... what do you interpret? https://www.ambank.com.my/ambank/SiteAssets...ServicesEng.pdf Attached thumbnail(s)
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MUM
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Aug 9 2021, 10:58 PM
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QUOTE(MilesAndMore @ Aug 9 2021, 10:52 PM) I am compiling a list of banks that now allow remote bank account opening along with the requirements. Currently i know the followings : - Hong Leong Bank - CIMB Bank - AmBank - Alliance Bank - UOB Bank - HSBC Any other banks ? i can't remember from which thread,...just recently a forummer posted that a bank advertised remote opening, but end ups he need to go there personally to have his particular verified before he will receive a PW for opening and also need to go there again to confirm account opened just seem cannot remember which thread or bank name,.... will try to look for it. This post has been edited by MUM: Aug 9 2021, 10:59 PM |
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MUM
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Sep 6 2021, 02:59 PM
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QUOTE(fish12345 @ Sep 6 2021, 02:52 PM) All sifus, is Public Bank Unionpay saving account worth to apply? Just to maintain 10k in account balance every month to get RM10 cb? RM10 pm = RM120 pa... = 1.2% pa what is the saving rate for this Unionpay saving account? is it 1st 3k = 0% pa then 7k @ 0.30% pa = RM 21pa which meant 10k you will get 21 + 120 = RM141 pa? or 1.41% pa ? This post has been edited by MUM: Sep 6 2021, 03:04 PM |
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MUM
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Sep 6 2021, 07:47 PM
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QUOTE(fish12345 @ Sep 6 2021, 07:43 PM) Thanks. So no need to every month pump in rm10k. Just make sure every month balance got rm10k then can easily get rm10 cb per month? It is worth if you don’t want to put the rm 10k in fd. No need to wait mature date. if that is the case,...many would tell you to put into MMF..... No need to wait mature date better rate than this 1.41% |
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MUM
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Sep 7 2021, 08:17 PM
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QUOTE(cklimm @ Sep 7 2021, 07:45 PM) comparable to 1month FD rate worr The below would then be more appropriate.... QUOTE(xander83 @ Sep 7 2021, 04:43 AM) Simplest solution just put in Frank at 1.8% |
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MUM
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Oct 3 2021, 12:20 PM
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QUOTE(ScrappyCoCo @ Oct 3 2021, 11:26 AM) Anyone here knows what's the main difference of Kawanku Savings Account with Personal Saver account by Maybank? I heard someone said Kawanku will be default savings account to be opened by Maybank unless customer request otherwise. But i came across this Personal Savers which i couldn't get much info online.googled and found these links to Maybank Kawanku Saving account. hope they can provides you with some info while you wait for responses https://www.maybank2u.com.my/maybank2u/mala...gs_account.page? compare https://www.maybank2u.com.my/maybank2u/mala...nk2u_savers.xml, Care to tell me about the Maybank Kawanku Savings Account? https://ringgitplus.com/en/savings-account/...gs-Account.htmlhttps://www.google.com/search?q=maybank+kaw...ih=1076&dpr=0.9 |
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MUM
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Oct 3 2021, 09:11 PM
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Maybank one personal saver n flexi saver a/c https://www.google.com/url?sa=t&source=web&...UHFNoFNvDh3HJrTThis post has been edited by MUM: Oct 3 2021, 09:12 PM |
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MUM
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Jul 1 2022, 03:48 PM
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QUOTE(gjl.12 @ Jul 1 2022, 03:40 PM) Hey, have you guys seen this latest promo from StashAway? They just shared a promotion for their cash management portfolio where you can earn up to 3.2% per year Maybe you guys can take a look if it's so difficult to get an additional savings account? There's no lock up period, worth checking out imo  from your posted image,....the 3.2% pa has conditions.... where else, from their site,... https://www.stashaway.my/simple Attached thumbnail(s)
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MUM
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Jul 1 2022, 05:51 PM
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QUOTE(gjl.12 @ Jul 1 2022, 05:17 PM) Mm yeah, based on the website you do need to refer your friends to enjoy the promotional rate of 3.2% They mentioned a cap of 20k as well, though this doesn't affect me as I won't be putting 20k inside But generally, the steps seem simple to me given the higher rates that we can get compared to the rates of shorter-term FD/other saving accs Many had gone to kdi save for the higher cap @3% too though. |
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