HSBC Advance Account for 3 Months - 5% ---> Super Hot
(11) Alliance FD Gold for 12 Months - 4.00% or up to 4.05% + free gifts

hsbc acc what requirement? i m adv account now.. feel like downgrading, i forget their annual charge how much..
alliance fd gold min placement how much?

Can i withdraw my previous Mach HLB online placements, and put FD again for this rate? Will I loose all my previous monthly interest ?

According to HSBC, if you want to place more than RM 30K, then get somebody to place 2nd or 3rd FD in
joint account.

Another requirement is to open a current account with RM 10 or RM 20. (I think RM 20)

No quota, this promo will auto end on this 31 December.
I think this is a good deal.

Oh..one more thing, FD will only effective upon check clearance, so fund will lose 2 days interest;
unless bring cash..

I forgot to ask HSBC about Rentas/IBG to SACA to place FD

Sorry, I cannot answer this, please check out Alliance Website or call Alliance:
http://www.alliancebank.com.my/Personal-Ba...ld#benefits-tab

This post has been edited by BoomChaCha: Dec 6 2014, 12:03 AM

I cannot find the info in their website. When the promo will commence ?

HSBC Advance Account for 3 Months - 5% ---> Super Hot

Is it the link as below?

https://www.hsbc.com.my/1/2/hsbcadvance/pre...ement-promotion

https://www.hsbc.com.my/1/2/personal-banking/deposits

This post has been edited by aijiet: Dec 5 2014, 05:16 PM

ya, i dont see it either

confirmed fresh fund needed. grrr

Notes about AFfin's 2yr 4.38% FD's fresh fund. You can IBG from other banks to Affin's SA few days before placement (not weeks or months earlier). Affin still recognize this as "Fresh Fund". This is similar to OCBC's Fresh Fund definition earlier. Since MBB's online IBG has RM10k limit, i might need to do it few days before actual placement.


1) uplifted my matured FD, IBG it out to MBB for the time being (RM2 svc charge). IBG fund reached my MBB acct this evening liao.

2) placed a separate FD placement (cash), straightforward arrangement. principal + interest will all credited to SA upon maturity. No rollover allowed.

3) opened basic Affin SA* with RM100 instead of Affin Gold with at least RM1k to open; pffft not interested. told the officer, not intersted to use its SA. opened it just because their FD's T&C required it

*Note: SA will go into dormant if inactive for 1 year. since the 4.38% FD promo is 2yr, need to keep the acct active each year. if not, upon FD maturity, principal+interest cannot be credited. FYI: FD dormancy is 7 years of inactive.


p/s: Freakin' a lot of forms to be signed. FATCA, PDPA, etc etc. didnt notice this much of forms to be signed last year. Told the officer StanChart also have lots of forms, taking hours to get it done She commented "then we are like StanChart"

This post has been edited by cybpsych: Dec 5 2014, 05:42 PM

Just read their promo page https://www.hsbc.com.my/1/2/hsbcadvance/pre...ement-promotion

seems if you opened your adv account before 1/9 then you can still take up this 5% offer last day 18Dec.

RM10 per mth if "total relationship balance" fall below 30k ... aum includes time deposits ie fd

Now for new adv acct or opened after 1/9 (last day of offer 31/12) , i wonder if I can put in 30k FD for the 5% & at maturity close all account with them. Will they charge me the RM10 or some other fee???

This post has been edited by okuribito: Dec 5 2014, 05:40 PM

On 1Dec 2014. I plan to put for 3.85% for 12mths but after placement it show 4%. I put again and the same thing happened.

Was at UOB today. New rates. 4.00% for 6 months. 4.20% for 12 months.

4.2% now wait for other banks to up uob

ummmm until when arrrr? cannot find on their website yet

Only started today. Was still 3.85% yesterday. There weren't any brochures but if not mistaken, the girl at the counter said the '4.00% for 6 months' is a limited time promotion; ends on the 24th of this month.

Wow this is indeed interesting! Can anyone confirm on the new rates and the min amount required?

Yes, correct..


iRakyat (Bank Rakyat) IBG limit (use own PC) is RM 5K per day, IBG fee is RM 10 cents per transfer.
Did you get any GOATS gifts from Affin?

Affin Bank is currently having a CASA promotion - extra 0.39%
http://www.affinbank.com.my/General/Whats-...A-3939-TNC.aspx

Thanks for the Just In Time info..

Warrior..it seems the FD rates are keep going-up lately...
So, I think I will put on hold not to place with MBSB 5 years..
Most likely I will go for UOB 1 year at 4.2% first..

Should be the other way round. This thread is the go-to place whenever any of my FDs matures. Thanks guys for providing such an invaluable resource.

You mean you want to withdraw your existing FD, and place a new FD with new rate in Mach?
If you want to do like this, normally you will not get any interest if you FD is less than 3 months;
and if your FD is more than 3 months, then you will get 50% of the interest.

After you withdraw, then you will need to send your fund to another bank to convert to fresh fund
so that you can place a new FD in Mach. This is very troublesome lah..

You can calculate the profit and loss to see is it worth it to do a premature withdrawal or not..?

They need time to update their website.

no GOATS for me cuz 2yr 4.38% FD has no CASA earmarked

however, min 20k FD placement will still be (auto) eligible for the Grand Prize of OMG (One Million Giveaway) Campaign. wasnt targeting this, but no harm nonetheless. OMG campaign ending 31 Dec, so it's a good time to place some decent FD here, considering the good rate.

FYI BoomChaCha

Mach Fixed Deposit Money Box Campaign
6 December 2014 and ends on 28 February 2015, both dates inclusive

6-month @ 3.80% pa | 12-month @ 4.00% pa

T&Cs (En) | T&Cs (BM)



This post has been edited by cybpsych: Dec 12 2014, 09:06 PM

Excellent info sharing. Thanks !

Indeed the FD rate is on up trend. I guess some banks has Loan to Deposit ratio or other deposit targets to achieve by 31st December.