If you are talking about below UOB FD promo which is running together with Ringgit Plus,
the answer is yes, participants have to be new customers to UOB.

New customers to UOB mean that customers have never been opened any banking
accounts (like FD, CASA and etc..) with UOB.

So, let's say if you have existing FD account or CASA with UOB, you still can place the
FD promo rate at 3.9% for 5 months, but you are not eligible to redeem the gift..

Ringgit Plus told me about this when I called them last week..

-----------------------------------------------------------------

UOB FD with Ringgit Plus - New added by Kelv on 27 May 2015
"RinggitPlus is running an exclusive UOB Fixed Deposit with high 5-month 3.9% p.a. interest rate and exclusive gift. To get a Dyson Air Multiplier fan, all you need to prepare is RM35,000 deposit or RM10,000 to get yourself a brand new Huawei Media Tablet."

BUT

"To enjoy this high promotional FD interest rate, 70% of your deposit will go into your new UOB eAccount and the remaining 30% will be kept in your UOB Fixed Deposit account."
Ringgit Plus Link
Note: This promo is for new UOB customer only.

Captain is back... and Captain will open a new version 9 within this week..

Ah Sir..I just called to BR branch regarding the issue of lowering 0.10% in my 5 years FD.

BR admitted that effective this month since after changed to Berjangka from Mubeen, BR has adjusted and lowered
my FD rate by 0.10% in their system, and for somehow they cannot do anything to adjust back my original FD
rate in their system...

They promised to do either one of these methods to rectify:

A. (Solution 1) Pay the difference each month to my saving account manually,
OR
B. (Solution 2) Omit the Solution 1, pay the difference in one lump sum when the FD is matured, which will be 2017.

I also asked for an official letter to prove that my 5 years FD is 4.xx% (original rate), but not the lowered rate shown
in BR system. BR officer said would call to HQ and let me know later....

I just checked my iRakyat account, my Berjangka FD received the monthly interest on time..

I guess the rest of my old 5 years Mubeen (now changed to Berjangka) FDs will receive interest based on the
date I placed my FDs..Let's see..

This post has been edited by BoomChaCha: Jun 8 2015, 11:09 AM

Ah Sir, because you are still young so you are not realized this...

The way of BR did this was very unprofessional and unfair to customer...

Let's say what if I have a Parkinson disease..?
When i have a Parkinson disease I will forget almost everything, then I will accept whatever
BR offers me..?

So, I think senior citizens are not advisable to put 5 years FD in BR...

MBSB is very steady, MBSB is still offering 4.7% for 5 years, regardless of the volatile FD market..




Attached thumbnail(s)

MBSB will revise the 4.7% rate based on MBSB's weather...
We will not know when will they revise..

Yes, just like BR, MBSB has been offering 5 years FD for many years..
Yes, so far no expiry date...

This post has been edited by BoomChaCha: Jun 8 2015, 05:45 PM

No lah.. leaving for where..? I have no place to go lah..
Only this job is too tiring for me ...
I want to rest..



This post has been edited by BoomChaCha: Jun 8 2015, 06:02 PM

This is true also.

But let's say if every year we place 5 years FD, then in 5 years later,
every year we will get one matured FD.

Yes Magic, but I prefer BR to credit me the difference every month
rather than to pay me one lump sum later, this is to avoid unforeseen
argument in the future.

BR perhaps is the first bank in the world to lower customer's FD rate in their system....,
BR treats the FD cert like useless...??

Nor did I ...

This post has been edited by BoomChaCha: Jun 8 2015, 11:00 PM

Malaysia's Warren Buffett ...


You lost confidence in share market..?

Property market will collapse for sure..

This post has been edited by BoomChaCha: Jun 8 2015, 11:54 PM

Good Morning Ah Sir...
I said the same thing too before I placed my 5 years FD few years ago..
But Captain said watch out BR & MBSB wor...


I asked for it, but the staff said no..


If this happens, cash is king

Ya loh, I missed this AmBank at 4.5% because I did not have any extra money at that time...
Quite Sad lah..

Very old and "lao kiap" double storey link house also cost around RM 700K in Kuchai Lama (KL) area..near
new KL Place Court condo..

But if own a house, then need to take care of the roof maintenance..

Property bubble can happens when property is supply more than demand, and coupled with a higher loan rate...,
and don't forget most speculators have used up their monies in buying properties..

Especially the Ringgit value is depreciating recently, this may gave a pressure to Bank Negara to
consider to revise OPR, so if the OPR raise again this time, property market will die for sure...



This post has been edited by BoomChaCha: Jun 9 2015, 09:36 AM

I seldom place 1 month to 6 months FD..because I do not like to go to banks often..
I put my daily use money in Affin saving..

No lah... I just get the photos from google..