No charges/fees?

They don't make money? Or they just don't tell you in the same webpage what those conditions are?

To do the maths properly, one must have all the variables at hand, at the same time.

Not individual pieces of variables released one at a time. Some of which not released until questioned.

Emerging Markets? What does that mean?

From Wiki: "According to The Economist many people find the term outdated, but no new term has yet to gain much traction". No new term? That's simple - there's no single term that can provide a meaningful description except in very broad and general terms.

From an investment perspective, there are significant differences between those lumped as "emerging" to simply treat them as "one" market. It is still up to the investor to read the fund asset-weighting by country in the prospectus and decide accordingly.

It seems that their processing of payments is getting slower, and slower.

Last year, they processed payments by the end of the next business day after payment. I got (human) email response on the next business day regardless of whether they have received the payment or not.

Now, it is 2 or 3 business days after I made payment, and AFTER I sent a reminder before they "process" it. Same payment method as before. Anyone got the same experience?

It was like that when I first opened an account around middle of last year. Initially, they were quick, no complaints.

Maybe, they paid more attention to new-er accounts. When did you open your account?

Same question - how long ago did you open your account?

To Maybank FSM account from 2 other banks - same as what I've always done, since the beginning.

My question is to do with the trend which is getting slower, including the fact that previously I get a (personalized) response whether they have received payment or not. Now, I don't get anything until I send a reminder.

But anyway, my question has been more or less answered in that no one said they experienced the same thing, so far.

This post has been edited by howszat: Jul 8 2013, 10:07 PM

Yes, I know about the cutoff time. I'm sure that hasn't changed since last year, so that isn't the point. They can skip the personal acknowledgement, no problem. Just in case it's not already clear, the real point is they don't do anything until I send a reminder.

But you bring up an interesting point which is my real, but previously un-written concern. When a business grows, (with it profits), they need to have the resources to keep with the demand. Unlike the hawker in the side street, who may just not cook the food properly because he is too busy, that should not apply to a large organization, especially a financial one, where there are costs involved in delays. If they can change things just like that because they are too busy, the real question is what else are they changing without notifying clients in advance?

Anyway, thanks for your input - let's see what else others may have to say.

This post has been edited by howszat: Jul 8 2013, 10:24 PM

I don't think Maybank2u will be any better because they still require a deposit slip by fax or email.

But I agree - CIMB or HLB "should" not have the same issues. So I take it you use CIMB or HLB?

I still have to chase up someone - in real terms, no difference. If I were to make a change from my current method, I'd go for CIMB.

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This post has been edited by howszat: Jul 22 2013, 11:00 PM