Need to get queue number? 

hi sifu. i m very noob one wan ask all sifus here one question. i planned to apply either the mbb or cimb internet banking fd. so i wanted to ask before the maturity of my first placement, when can i place extra placement? is it possible i add the placement before maturity (i know the interest i gained is based on the initial placement)

Ocbc Mega Save is extended from end of Oct to end of Nov. Anyone got any news on Uob promo in Nov?

One thought came to my mind a few days ago. Someone raised the question about getting multiple FDs when the amount is large. Tied to the large amount is the ability to negotiate for a higher rate.

Now, the potentially good part is, in the event that one needs to prematurely withdraw some money, then one can terminate one of the FDs without loosing out interest on the rest and also still keeping the higher rate for the remaining FDs.

This is of course provided the bank does not keep track that these FDs are supposed to be a package for the higher rate and does not allow customer to partial withdraw.

Anyone has experienced this?

Cheerio.

Hi, everyone. Newbie here...

Maybank offers 3% rate for 1 month fixed deposit.
If i deposited 10k for one month, is it i'm going get RM300 at the end of the month?
Anyone can help?

what is the charges to do ibg at uob?

ibg means the money will immedieately reach the other bank?

Received one SMS from UOB yesterday:

Take advantage of 4.05% pa FD package!
You may be rewarded with POLICE STORY 2013 Premiere passes
& see Jackie Chan in person. Ends 30/11. T&C apply.

hi anyone know the latest promotion rate for UOB 12 month FD rate?

OCBC FD Promo Effective December 2013

(1) 3.6% for 1 year tenure (fresh fund required)

(2) 3.1% for 3 months tenure (existing fund accepted)

(3) 3.3% for 1 year (existing fund accepted)

(4) 4.28% for 3 months tenure. 1 to 1 ratio (50% to FD & 50% to CASA). Minimum RM 10K, maximum RM 1 million (fresh fund required)

Yes, can use Smart Savers account.
If can manage to optimize the Smart Savers interest rate at 2.9%, then the effective rate is
3.59%..

Harapan tidak cemerlang...

Not really troublesome. Just need to deposit at least RM 1000 into Smart Savers
on any day of the month for 3 months.

I always optimize to 2.9%, never missed one time... 

I was wondering can we IBG money into Smart Savers account rather than
go to OCBC bank every month?

You can always interbank GIRO. Each transaction costs RM0.10 with a max transfer limit of RM10k

I think he meant a limit of 10K via internet.

Don't think there is a limit if you do that at the counter.

Cheerio.

HL Mach is a diff account which you have to go to Mach branch to open an account. It is separate from normal HL bank account. 

wanna ask, I'm new in this FD.
I heard that usually those that offer high interest rate one, the rate only will be counted on the last of the month. Means like I'm placing it for 1 year.
the 1st - 11 month, the rate is just the normal rate, then only on the 12th month it will be the high rate.

Is this real ?

Cause i intend to open an FD this month.

nice flo  ....mine just nego with BR manager...only give 4.01% with some gifts...uplifting on next month & deposit again 200k..  

1. i got monthly deposit, which i can put into other high yield bank & compounded interest.
2. higher than other banks.
3. compared 4.11 to 4.01% diff of RM200...wont kill me..
4. Another RM50k for stocks (< RM1 stocks or bluechip stocks) or UT in this coming year...

taking advantage of premier wealth...just to enjoy their facilities..

i am sure BCC, top goat, gen x  premier wealth members aldy..

You can put minimum RM 50 up to RM 60K per year.
Don't forget Bank Rakyat does not have PIDM protection.. 

Did you get any gift when you opened Mach FD account?
This Mach FD comes with a FD cert?

The selling points of the Mach FD:
(1) monthly interest
(2) 3.7%
(3) 6 months tenure

Drawbacks:
(1) not many branches
(2) need to sign-up a debit card which cost RM 8.00 per year

the offer is for new customer or existing?
any promotion for new customer?
the FD duration for the offer? 1year or less?

Thanks for the info.  You are always #1.. 

Warrior, just sit beside me in this casino, together we will play it big...

But if the situation is unfavorable, I will make an excuse to "cabut" to toilet
and disappear...and then I will get a new user ID to come back here... 

You are not a small fry..you are humble only just like Top Goat... 
Planning to place FD in BR..?  Mari..mari.. mari... ha ha... 

I log back in here because I just realized that I made a careless
mistake after I used my fingers to count the amount again.

The correct amount is 6 figure, not 7 figure that previously mentioned.

7 figure is million, no way... 

No wonder I got many "attacked"...

Next time I will count carefully first before I post... very paiseh.. 

Sorry... 

When the FD mature, it will go back to the money box acct ? So you can place another online FD for the new promo ?

Have to ask as this Mach is not similar to normal acct in banks. Thanks !

remember those who uses heavily on internet banking & need to protect your hard earn money...please check

1) you using notebook/pc, whether is fully protected? Anti virus (AV) these days not fully protected the internet transaction..therefore Internet Security from KIS and McAfee is the solution.

2) Clear cache memory and history after each internet banking session.

3) If possible, your notebook/pc have strong password or better finger print sensor (biometrics) or retina eye scan to avoid any theft/break in.

4) Malware these days are suspicious & dangerous..especially cookies/adv/etc which hook/tag your notebook/pc which indirectly stealing information from you. Remember to install malware like spybot/anti malware.

5) Check also windows defender & firewall/third party security is on & fully protected.
Have a nice & productive day ahead & be safe. 

BCC always doing Cha Cha at night,    but last night a bit different counting digits, maybe still 7 figures, or 8 ?? 
Thanks for the info !