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Savings Account in Malaysia
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SUSsupersound
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 Oct 11 2015, 11:27 AM
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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.
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SUSsupersound
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Oct 11 2015, 11:33 AM
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QUOTE(Ramjade @ Oct 11 2015, 11:30 AM) 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%? That's why I use "lowest"  If I were to use the highest, it will make things more sour  |
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SUSsupersound
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Oct 11 2015, 04:37 PM
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QUOTE(lowya @ Oct 11 2015, 03:00 PM) 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? 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  |
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SUSsupersound
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Oct 11 2015, 06:00 PM
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QUOTE(kEITh_22b @ Oct 11 2015, 05:36 PM) Search google for this, don't expect to get spoon feed all the time  |
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SUSsupersound
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Jan 11 2016, 10:35 AM
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QUOTE(suadrif @ Jan 11 2016, 10:27 AM) can u guys recommend me which saving account is better option for my case? every month i reserve about rm1.3k for saving every early month, and pay about rm800 for my house loan every middle of month. this has been consistently done for two years. now i m just putting all in my CIMB saving account which gain less interest. I think CIMB also have online FD? If yes put there for 1 month. |
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SUSsupersound
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Jan 11 2016, 03:18 PM
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QUOTE(Ramjade @ Jan 11 2016, 02:17 PM) Cimb need rm5k for their 1 month eFD. From what I know bsn also let you put FD for 1 month with rm1k That's true. But is something I don't recommend as you are not getting paid. Like me, I plan carefully. Money which I know won't be used will be put into Ambank Islamic efd. For money which I know I might use, I use Ambank truesavers. That way even though I don't earn, 3.15%, I still earn 2.8%. I do jot give banks free money.  1st few months only. But I guess our friend already got rm5000 to begin with. |
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