In fact, everybody does, not only you..

Yes, better than nothing.

Last time when I tried to ask for gift after signed-up a new regular FD account in UOB, UOB gave me one umbrella,
and they said this to me: you are the only customer can get this umbrella, nobody else can get it.

How stingy they were..

Please refer to below link on Page #45:
https://forum.lowyat.net/topic/2722457/+880

Post #892
Post #893
Post #894

This post has been edited by BoomChaCha: Jun 11 2013, 12:40 AM

Wei, regular FD also dapat umbrella...either your amount is fairly high or I didn't know they do give stuff out for FDs, lol...
But yes, imagine just umbrella...no fun.

Thanks for the link. I didn't know it was through those that he got the promotional vouchers from. Dang, he got alot then!

just back from HLB.. iirc:
HLB MACH no longer have 4% FD, now is 3.6%
HLB Priority Banking FD 3.98%, with 8% of the fund in CASA
HLB Junior FD 3.85% 1st yr, 3.95% 2nd year.

This post has been edited by ckchan526: Jun 10 2013, 07:34 PM

nothing interesting lately

What profit rate did you get for your placement?


1. Yes, correct. And the 0.10% is only given for minimum 1 year FD placement from the referee. Referee can open a FD for less than 1 year, but if that's the case, the referrer won't get 0.10%. The incentive would be less (forgot how much less...calculated proratedly probably). Another thing is, the introducer incentive will only be deposited into a single account, not joint account.

2. Not true (at least in my case).

This post has been edited by HJebat: Jun 10 2013, 11:07 PM

10k fd dunno will qualify me for free gift

summore i locked n burned some money in uob prumax rm200 dam sad

Public bank. Am bank with give you a free plastic "folder" for your FD cert...Ocbc only gives you a paper envelop...

cimb and hlb also give plastic folder.

uob - you need to ask for a paper envelope!

I have a question, hope someone can help me.

I have 15k to buy FD

1. OCBC promo FD 4.5% for 3 month
- 10k in FD, i need to have minimum 5k in saving.

2. Bank Rakyat Makeen FD 3.65% for 3 month
- I can put 14k in FD, deposit 500+/-

With the same amount of money, i earn more from Bank Rakyat FD.

Correct me if im wrong. TQ.

Hmm.. bought some FD on Maybank2u online few days ago.
Status said: Accepted.
But no changes to my account or my balance.

Strange

Your 5k in OCBC's savings account can earn 2.5% or 2.9% interest. You calculate again and see which one better.

1. OCBC 3 Months FD at 4.5%

(A) Place RM 10K in 3 Months FD at 4.5% = RM 112.20 (assume 91 days' interest)

(B) 3 Months FD bundled with OCBC Smart Savers or 3 months
(I) RM 5K in FD at 2.9% = RM 36.15 (assume 91 days' interest) + RM 112.20 = RM 148.35
Need to deposit additional at least RM 1K during any day in 2nd and 3rd month into Smart Savers.

(II) RM 5K in FD at 2.75% = RM 34.30 (assume 91 days' interest) + RM 112.20 = RM 146.50
Need to deposit additional at least RM 50 and up to RM 999.99 during any day in 2nd and 3rd month
into Smart Savers.

(III) RM 5K in FD at 2.4% = RM 29.90 (assume 91 days' interest) + RM 112.20 = RM 142.10
Deposit nothing or deposit up to RM 49.99 during any day in 2nd and 3rd month into Smart Savers.

You will get OCBC FD cert at the same time when you place your FD.


Reminder:
Once if you withdraw any Ringgit amount in your Smart Saver, you will get 0.5% interest in Smart Savers of
the particular month.

For example, if your 3 months FD and Smart Savers mature in 12 September, you will receive full 4.5% interest
on your 3 months FD; but once if you withdraw any Ringgit amount from Smart Savers in 12 September (or make
withdrawal during any day in the month), you will get 0.5% interest for 12 days calculates from September 1 to 12
September in your Smart Savers. This is the tricky part of Smart Savers...



2. Bank Rakyat 3 Months FD at 3.65%
Place RM 14K x 3.65% p.a. = RM 127.40 (assume 91 days' interest)
If RM 15K x 3.65% p.a. = RM 136.50 (assume 91 days' interest)

You will get Bank Rakyat FD cert in 2 or 3 days later after you place your FD.

Just try to ask for it, you have nothing to lose.

UOB PRUMax is a life insurance, right?
Why locked and burned RM 200?

If you use banker's cheque, you can get the FD cert. on the same day from BR.

This post has been edited by bbgoat: Jun 11 2013, 08:27 PM

Thank you for the explanation. It seems Bank Rakyat FD is better as i no need to go through the tricky part of SmartSaver. And the OCBC rate will back to 2.85% after mature while Bank Rakyat still maintain 3.65%.

Bank Rakyat have auto renew and it will be no hassle in case i forgot to renew =)

i think i ll gain more if i put it in fd.. if my calculation doesnt fail me

Really..?

Last year I only used banker's checks to place FDs in Bank Rakyat for few times ,
but all the times I had to collect the FD certs from Bank Rakyat in few days later.

Maybe they changed the policy lately? Or maybe they did not trust me..?

I never knew placing FDs can entitle us to ask for free gifts...really wasted those other times I place FDs and didn't try to ask for anything, lol

what is the best fd bank for now?

Yes, I was surprised the last time I used banker's cheque. The counter lady pointed to me that I used banker's cheque for the FD. Not sure if they changed their policy as I started with them last year Sept/Oct. Only in Feb that I used banker's cheque and was happy that I don't have to go back again to collect the cert.