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 True by AmBank

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Ramjade
post May 3 2016, 07:16 PM

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QUOTE(MilesAndMore @ May 3 2016, 06:05 PM)
Yes. You can. Been there done that.
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Didn't know you can do that. Excellent. Going to do just that and put into maybank eGIA-i thumbup.gif

This post has been edited by Ramjade: May 3 2016, 07:17 PM
Ramjade
post May 6 2016, 08:57 AM

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QUOTE(fruitie @ May 6 2016, 08:45 AM)
I thought Gia-i minimum is RM 5k?
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That's for 1 month placement. But for >1 month, the min required is Rm1k. Duration of placement for >1 month is not important as you can withdraw the next day and still get 4% p.a interest. laugh.gif

This post has been edited by Ramjade: May 6 2016, 08:58 AM
Ramjade
post May 6 2016, 09:03 AM

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QUOTE(fruitie @ May 6 2016, 09:00 AM)
Ah! So that means if I choose 1 month, I cannot withdraw anytime I like? bangwall.gif
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Can. It just need min rm5k to put into GIA-i. Difference is for 2 months above, you just need min Rm1k. Lesser amount. Both can withdraw anytime.
Ramjade
post May 6 2016, 10:29 AM

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QUOTE(fruitie @ May 6 2016, 09:46 AM)
Yeah, now I got it. I shouldn't have opened a True account from the beginning. doh.gif
Luckily it doesn't charge annually, so I will just keep it.
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Don't worry. Last time we didn't know about eGIA-i. Now we do. thumbup.gif
Ramjade
post May 6 2016, 07:01 PM

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QUOTE(aeiou228 @ May 6 2016, 06:40 PM)
True Savers debit card is a free card or subject to annual renewal fee ?
My True Savers SA is for my interim FD interest crediting purposes only. No point to keep the debit card.
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Free.

This post has been edited by Ramjade: May 6 2016, 07:02 PM
Ramjade
post May 7 2016, 11:17 AM

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QUOTE(Clement1001 @ May 7 2016, 10:16 AM)
Well I'm saying if we place 7th month tenure with 4.5%.
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Do you mean the pic below?

QUOTE(cybpsych @ May 7 2016, 10:22 AM)
how do u intend to "place 7th month tenure" ?

where did u get the info about "4.5%"?
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Maybe he got himself mix up with this?
user posted image
Ramjade
post May 7 2016, 12:54 PM

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QUOTE(Clement1001 @ May 7 2016, 11:37 AM)
Thanks for the tips, by looking at the effective rates on the table. biggrin.gif
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That stuff doesn't exist anymore. So how did come up with the 4.5% interest? The only thing which exist is 4% flat rate regardless how long you put.
Ramjade
post May 16 2016, 10:12 AM

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QUOTE(zaoldyeck @ May 16 2016, 10:10 AM)
Anyone kena this RM10.60 miscellaneous debit also?

[attachmentid=6652120]
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They can debit me all they want cause my truesavers and truetransect have RM0. laugh.gif
Ramjade
post May 16 2016, 10:30 AM

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QUOTE(zaoldyeck @ May 16 2016, 10:21 AM)
Haha u should atleast save it for may. Aiyo what this 10 ringgit la, if call cs also going to telan rm5 credit
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If you got unlimited line call via TM, can call their 03 no. No need to wait for may when there's maybank eGIA-i 4%
Ramjade
post May 29 2016, 12:40 PM

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QUOTE(cklimm @ May 29 2016, 12:37 PM)
Received a letter asking me to change the True Debit card,
pleasantly suprised that the True banking counts as "mass affluent"
[attachmentid=6731647]
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Tell them no need to upgrade. I am closing account. laugh.gif
Ramjade
post May 29 2016, 10:09 PM

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QUOTE(fruitie @ May 29 2016, 09:57 PM)
But one month limited to three times free transactions... Unless I put my fund in Transact account which has no interest...
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If you have lots of IBG to do, keep rm1 inside true transect. Use maybank eGIA-i as SA. lump all your IBG together. Transfer what you need from maybank > Ambank True transect. Then carry out all your IBG. Pay only RM0.11 for unlimited IBGs (assuming you put the total amount so that you don't need to transfer >1x)
Ramjade
post May 29 2016, 11:28 PM

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QUOTE(fruitie @ May 29 2016, 10:42 PM)
Why need to keep RM 1?
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So they won't close account? laugh.gif Do not know how long you can keep the account at RM0. tongue.gif

QUOTE(Havoc Knightmare @ May 29 2016, 11:16 PM)
For the True Transact 5-times free MEPS withdrawal, does it apply to foreign banks' ATMs that typically charge RM 4.24?
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Don't think you get free ATM withdrawal if you use it internationally.

QUOTE(MilesAndMore @ May 29 2016, 10:47 PM)
We'll always need a back-up account and can't put all in GIA-i, M2U Savers or Golden Savvy-i. As we all know, Maybank2u can be unrealiable at times. Yes. It is true that there are less down times these days and also less complaints from Maybank2u users about non-receiving of TAC. What if we need to access our money urgently but cannot go to the branch office ? Your back-up account at another bank will be your savior. In my case, I do keep more than xx amount in my back-up accounts for emergencies. This is why I still find bank account like RHB Bank Bonus Savers and True by AmBank account useful. Despite the revision of interest rate for AmBank True Savers account, its interest rate is still one of the highest in the country.
You don't have to. It can be zero at all times.
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I plan all my transfer before hand. 1.8% is not high. Maybank, RHB, OCBC all offer higher rates. Only downside is no free IBG.
They won't close account? My account currently is RM0. Don't know if they will close it. laugh.gif

This post has been edited by Ramjade: May 29 2016, 11:31 PM
Ramjade
post Jun 1 2016, 05:24 PM

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QUOTE(wmin @ Jun 1 2016, 05:11 PM)
How do I uplift it? I dont see any buttons/options to choose from to uplift prematurely.
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Have you place it? After placing when you click fixed deposit +something. There's a view, placement, uplifting, modifying option.
Ramjade
post Jun 21 2016, 08:06 AM

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QUOTE(suadrif @ Jun 21 2016, 08:02 AM)
just wanna confirm

True Transact Account got free unlimited IBG transfer right?
confuse with truesavers.
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Yes. Only truesavers have limit of 3x transactions (online + atm withdrawal)
Ramjade
post Jun 22 2016, 01:38 PM

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QUOTE(suadrif @ Jun 22 2016, 01:02 PM)
Any other bank offer free IBG unlimited?
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Uob, scb, hlb. If I am not mistaken uob and hlb are only free until end of this year. But come on la. RM0.11 only lei tongue.gif

This post has been edited by Ramjade: Jun 22 2016, 01:45 PM
Ramjade
post Jun 23 2016, 08:48 AM

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QUOTE(suadrif @ Jun 23 2016, 08:42 AM)
rm0.11 but if considering lots of transaction, it become rm2.20 per month which offset the interest already  tongue.gif
car loan, house loan, personal loan, bills, etc
i am managing all of my loan repayment in single account for easier tracking
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All those counted as different account (car loan, house loan, personal loan, bills) which we can pay via IBG? If like that, then I am keeping truesavers.
Ramjade
post Jun 23 2016, 09:59 AM

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QUOTE(cklimm @ Jun 23 2016, 09:16 AM)
OCBC is too kiasi, transfer limit is only 10k, and calls a lot over minor transfers like 5k
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They scared they lose too much money ma.
Ramjade
post Jul 14 2016, 11:06 AM

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QUOTE(suadrif @ Jun 23 2016, 12:13 PM)
yup
currently all my loan repayment (CIMB, RHB and Maybank) all were paid by Transact.
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You might want to look into SCB SA as they offer free IBFT since 2014

This post has been edited by Ramjade: Jul 14 2016, 11:08 AM
Ramjade
post Jul 14 2016, 11:29 AM

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QUOTE(cklimm @ Jul 14 2016, 11:27 AM)
looks like me, sounds like me
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You forgot but it's not me. tongue.gif
Ramjade
post Jul 14 2016, 10:56 PM

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QUOTE(suadrif @ Jul 14 2016, 10:40 PM)
Comes with better attractive rate compared to TrueSavers?
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You open it fir the free IBFT. thumbup.gif Truetransect only free IBG. shakehead.gif

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