Am a bit confused. Have a question on HSBC advance customer. Is there a minimum sum that we have to deposit to become an advanced customer (just like PB customer) or is it that just by opening a $5 current account, we can be advance customer? Thought I ever read somewhere that we have to maintain a fairly large sum to be considered 'advanced' customer but then below quote from BoomChaCha seems to indicate otherwise. Appreciate some help on this. Thanks


Quote from BoomChaCha
'HSBC 5% for 3 Months FD has extended to 30 June 2015 - New added on 27 April 2015
Minimum RM 5K, maximum RM 30K
Min RM 5 to open a current account (Advance)
Free Umbrella while stock last'

Uob extended promo


Attached thumbnail(s)

Hsbc advance

lock down 30k

Nothing interesting from uob. Their rates have been 4.2% throughout the year. Should increase la to 4.3 or maybe 4.4%

Thanks bonescythe

Ah Boom Sir, I was joking with the forummer as he was suggesting to close acct and re-join. For me, no way as I have FD there which do NOT want to do pre-mature closure anyway.

This post has been edited by bbgoat: May 29 2015, 08:41 PM

Uplift OUB FD requires a saving or current account.

This one okay or not?
http://www.calculatorsoup.com/calculators/...-calculator.php

This one is good for loan:
http://loanstreet.com.my/calculator/flat-t...rest-calculator

Ah Sir.. I see..

I was worried UOB would close my FD account because I did not place FD with UOB for a long time.
It is so troublesome to re-open a FD account (for example like photostatting IC.. ).
So few weeks ago, I put minimum RM 500 at FD board rate 3.3% for 1 year with auto renew.

Great idea, I should follow your tip. How long was your FD account without any FD before you start with this RM500 trick?

Do you have any saving or current account with UOB?

I think more than 6 months since the last time I withdrew my last UOB promo FD.
According to UOB, UOB FD accounts will close if no FD for more than 6 months.

I think I will do the same to OCBC too..

No, I do not have UOB saving or current account.

But we have to renew the FD & CASA within 7 years;
otherwise our monies will send to bank negara..

This post has been edited by BoomChaCha: May 30 2015, 08:48 AM

Hi,

Sorry. I saw that a calulator was posted on the front page already. But the loan one would be good.

why say like that? u got other bank that give better rates?

So, will the FD interest be paid upon the FD maturity? So, it is not the case in which the interest is paid after 6 months, 12 months and 15 months?

And, can we ask for the rate higher than 4.33 %, only if we place an amount much higher than RM 10k, right?

This post has been edited by alvinkhorfire: May 30 2015, 09:11 AM

just a quick question. how long will new funds be 'new' once I ibg it to the savings account before placing a fd?

ps: need to ibg transfer twice in 2 days

Last time I asked, they said only if more than 6 mths no new FD placed, then acct will be closed.

You do not have SA in UOB ?

Need SA in UOB for those FD promo that pays 6 mthly interest (last year Oct promo). Also I was told if we need to do RENTAS or OTC IBG, need SA (probably as a bridge).

This post has been edited by bbgoat: May 30 2015, 09:20 AM

Affin. 4.33%. Just when their 2 years promo 4.38% finish, they come out with 15 months 4.33%. Some more protected by PIDM.

Wah bro. don't know wei. Good enough for me if they tell me 4.33% without stupid CASA stuff. I just put. Never ask them anything else or request for more. I am guessing is like all previous promo, affin will credit the interest + principal into your affin bank saving account.

If you have large amt to place for FD, can always ask for higher rates. The "large" amt will differ based on the banks, the tenure etc.

How large is large? Can RM100k qualify?

100k is good enough to increase the rate by 0.05%, 0.1% p.a if lucky

As said:
The "large" amt will differ based on the banks, the tenure etc.

For BR, 50k and above can nego. But at one time, they set it at 100k and above. So depends on how bad the bank wanted the FD. Their nego rate also depends on the tenure.

For other banks, may be 100k or few hundred k then only can nego. Sometimes they may tell you this is already the best rate, no more increase possible though you put in 300k and above.

But you can always ask, no harm !

This post has been edited by bbgoat: May 30 2015, 10:12 AM