I saw it at the 2 branches in PJ I went to, at Section 14 and Damansara Utama branch
I am now torn between the 2 branches. 1 branch is possible to get parker pen but very very difficult to get nego rate while the other has nego rate but gifts not so good.

Ha ha, must be a very special number ?? Myself no issue at first go at the ATM. While my number has 888 there. Yours must be even more special than that !!

So you have to see whether the gift is worth more than the extra nego $$ you get for the FD you are placing at that time.

... I personally think there is no issue asking for assistance from any banks if encounter with problem these days. I have never encounter and banks refuse to help me -- except giving me misguided information due to their standard of expertise which frustrated me at times ...

Ask them to call CS if they dont have idea on what u asking for

7-digit mobile number, digi 010


This post has been edited by wodenus: Jun 8 2014, 11:19 AM

I was at BR, I asked can place FD from BR's internet banking.
The staff said no. Must be there in person.

Some more must open bank account, pay RM8 per year.
Earn from FD, pay back to bank, some more so troublesome.

I know how you feel.
Lucky there is one bank manager who is understanding with me.
You have to build rapport with bank staff preferable at branch.

However, in the end, bank = big. U = small fry. Consumer assoc = useless
So don't expect much from banks.

When I opened the 3 mths FD @ 3.6%, I asked to be paid at the end of the 3rd mth; hence no need to open the SA.

I took some big time money out of the BR to place elsewhere. Because I don't think the bank is in good hands anymore..Since the Deepak fellow can get free interest loan on RM32millions.... Maybe not safe anymore, last time they were giving more Interest rates... now only 3.90%PA for 12mths.

Whereby the AMBank can give very close... I got some at Hong Leong at 3.76%. Even got some at StanChart at 3.5% for 6months... OCBC also can get 3.78%. BR is bleeding now.... They cannto attract any more depositors ,since their rate is no longer good and its not Insured like other Banks...

Thanks for sharing.

How did you get those rates?
Were they on promo or you nego with bank officer or you put in 100k for 13mths?

Profit Rate
Period of Investment (month) Rates (%)
Corporate Individual
1 2.90 3.20
3 3.05 3.60
6 3.10 3.65
9 3.20 3.75
12 3.25 3.90
15 3.25 3.95
18 3.30 4.00
24 3.45 4.10
36 3.50 4.15
48 3.60 4.20
60 3.70 4.40
> 60 3.70 4.50
Note: Effective 31 March 2014.

For further enquiries, please visit any of our branches or contact our call centre tele-Rakyat at 1-300-88-1BANK (12265).

* Terms and conditions apply.

link = http://www.bankrakyat.com.my/deposits-account-i-

Please check 1st page, it list the FD interest rates (though sometimes may not be the most current, but can check the FD promo expiry date listed).

Why less people here talking about BSN FD rates.

The rates are pretty high.


1 month 3.00%
3 months 3.00%
6 months 3.05%
9 months 3.10%
12 months 3.20%
15 months 3.30%
18 months 3.35%
24 months 3.40%
36 months 3.40%
48 months 3.50%
60 months 3.75%


http://www.mybsn.com.my/content.xhtml?contentId=127

which 1 is 'high'?

I mean the rate offered are equally high (above average) as compared to other banks.

It can even goes up to 3.75% upon 5 years deposit.

i hope BNM revises the OPR to 5%
http://www.bnm.gov.my/index.php?ch=en_pres...ac=3004&lang=en

this should change BLR to maybe 8% or more
let all the speculators default on their loan
property will take a dip
then we can buy the houses cash

no idea which bank you are comparing to, there are so many promo now between 12 months to 18 months that offer similar return.

due to not so interesting rates + no pidm maybe is the reason?

5 years is a long time, my friend.

Ambank is offering the same 3.75% for 15 months deposit and is guaranteed bu pidm. I will move my funds there where my existing fd expires. BR is offering 3.95% for 15 months, so the difference is rm250 for 100k placement. i think i will treat this opportunity loss of rm250 as an insurance for my fd. Any thoughts?

This post has been edited by ikanbilis: Jun 9 2014, 07:40 PM

3.75% for 5 years is not attractive as it seems.

Good to spread out FD to minimize risk. For me I have FD across BR, Citibank, MBB etc etc.