UOB can waive the 5% in CASA if you ask your RM whether they can waive for you or not.
Best offer gave to me was 3.45% if I deposit 5% in CASA or 3.4% with no 5% in CASA for 3 months term.

Still not very good rates.

Ocbc and public banks rentas today receive money today..

This post has been edited by gsc: Sep 25 2013, 08:45 PM

BR still giving out gift, today they gave me the maroon parker pen , i wanted the gold color type, but no stock so i chose bath towel.

To nego rate i dont think above 50k they will give special rate. What i said earlier was once they gave you that rate, you can bring in your money in lots of 50k and above., if you put less than 50k that FD will get normal rate.

I asked about the 24 months FD and requested for 4.3%, they said most likely can get, waiting for approval fr HQ.

Apparently last year they can give extra 0.2-0.3%, now no more 4.9% for 61m. Max is 0.1% extra now.

Which branch in Penang that you went to ?

For the nego rate I was told must be more than 100k. That means after depositing more than say 200k, to get nego rate, new FD must be more than 100k. If lower than 100k, you get normal or board rate. But you are saying just >50k can get nego rate ?

If new FD is more than RM 100K, but tenure is less than 1 year, let's say in between 3 to 9 months,
in this case, FD rate can nego or not? Or it has to be at least one year tenure then can nego..?

best is you all ask fr Br itself. but if for short term less than 1 year, i wont negotiate la, most likely cant get, if can get also, the extra interest is so litlle , not worth the effort, simply take the BR gifts easier.

bbgoat didnt undertstand what i said. if you say u want to put RM50k for new FD sure they wont give special rate. You must say you want to put new FD few hundreds k, then only can get extra rate. For this few hudreds K, you are allowed to bring it bit by bit, ie 50k, 70k,80 k, over a period of time, no need all in one shot.

and of course previous Fd you have with them cannot be considered. The HQ want to know how much new fund you want to bring in for them to decide whether you get extra rate or not.

still if the BR br likes you may be got exception la.

My parents want to open new FD
Any recommendation which Banks offer the best rate?

Oh ya, your English may be too deep for me to understand lah.

What you just said is a new trick which I have some doubts. Last time they consider the total amount you have as you build up your portfolio with them. So even for slightly more than 50k in Feb, I was given 4.2% for 1 year.

Well, now they said for new fund, have to be 100k or above to enjoy 4.06% for 1 year. For 2 years, then 4.3% is possible.

This post has been edited by bbgoat: Sep 25 2013, 09:40 PM

So, you put all your eggs in one basket..?

Then, it is better to bring the existing FD certs from other banks to prove to BR..?

Please refer to the first page:
https://forum.lowyat.net/topic/2953389

Or you can consider RHB 3.78% for 1 year, monthly interest can pay into your RHB Islamic saving account.
But I do not know if this FD promo is still available or not? You have to call or visit RHB to find out..

This post has been edited by BoomChaCha: Sep 25 2013, 10:16 PM

becareful with bank rakyat.

my fd will paid out monthly interest every month at 21th, but until today(25t), the interest is not yet credit to my saving account.

Mine no problem. Credited to my saving account on the dot.

Am bank

offer 1 - 15 Oct end

Pure FD
3.55% for 9 months, fresh fund only, min RM10k
3.48% for 6 months
3.3% for 3 months (this 3 month promo only available at Penang Beach St. Branch this Saturday)

Offer 2 bundle with life insurance, end 30 Sept

50:50 split.

50% in FD, 3.8% for 9 months
50% in life insurance scheme, with
3.75% for 36 months
3.9% for 48 months
4.1% for 60 months

I am sceptical on this. People can always claim I will put in millions, now what is the rate you will give me ? They ask: over how long ? Answer: 1 month or 10 years (being a sceptic). (Then when the time comes, you don't place there for various reasons, emergency/kahwin/bla bla bla)

Or as you said, show FD cert from other banks to proof to BR ?? Ha ha.

This post has been edited by bbgoat: Sep 27 2013, 11:06 AM

No issue for me over the past 1 year. IBG also no problem, within 1 day if done before noon.

BoomChaCha, did you try to IBG from BR to other banks as suggested before ?

no necessarily 50:50. u can ask them to put full amount at 4.1% for 60 months. I did that.

You lose out by taking that 4.1% for 60months without taking the 3.8% for 9m FD.

The sweetener in that bundle FD is the 3.8% for 9 months and not the 4.1% for 60m. Ambank sure happy like that.......
...


RHB FD 3.78% for 12m still available, open a SA put RM3k got free gift- a digital blood pressure set and RHB mug. Unlike BR , take free gift at RHB must sign form, good control in RHB.

RHB GIFTS:-

This post has been edited by guy3288: Sep 28 2013, 12:37 AM

I didn't get anything

I have a FD in Maybank, if I'm going to withdraw it on the maturity date, do I get to earn the complete interest?

any sifus here please kindly enlighten me? thanks!

Which branch is this?? How come I didn't get free gift that day