Haha u should atleast save it for may. Aiyo what this 10 ringgit la, if call cs also going to telan rm5 credit

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%

Received a letter asking me to change the True Debit card,
pleasantly suprised that the True banking counts as "mass affluent"

Tell them no need to upgrade. I am closing account.

I received emails asking me to do that. First email mentioned about free Starbucks but I couldn't find anything about Starbucks in the content. Few days after that, they sent another email and apologized for previous email that it has nothing to do with free Starbucks.

I am keeping this account. The reason is fairly simple. You shouldn't put one eggs in one basket. I am a Bumiputra and I can put money into AS1M (not sure about ASW2020) anytime I want but still, I keep some deposits in the form of Time Deposit in commercial banks.

I'm still thinking if I should keep..
The interest rate has dropped. Now most of my funds are parked in Gia-i.

If there is no maintenance fees for the Transact n Saver accounts, I will keep them cos IBG is free.

But one month limited to three times free transactions... Unless I put my fund in Transact account which has no interest...

For me if I have to do a few IBG, I will transfer enuf funds from Saver-acc to Transact-acc first then do the IBG from Transact-acc.

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)

Why not keep in Maybank Savers and transfer to Transact? If I'm not mistaken Maybank Savers has higher interest compared to True account right?

Why need to keep RM 1?

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.

This post has been edited by MilesAndMore: May 29 2016, 10:48 PM

Good point, I will just leave my RM 350 there then.

For the True Transact 5-times free MEPS withdrawal, does it apply to foreign banks' ATMs that typically charge RM 4.24?

So they won't close account? Do not know how long you can keep the account at RM0.

Don't think you get free ATM withdrawal if you use it internationally.

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.

This post has been edited by Ramjade: May 29 2016, 11:31 PM

1.8% is a respectable rate. Besides, they have more ATM around that make them more convenient than OCBC Bank.

As long as your account is not dormant they will not close your account.


He is referring to foreign banks ATM in Malaysia.


But life is unpredictable. I'm referring to emergency.


Good question. Need to check the T&C again or write them an email. My SCB JustOne account do reimburse me the fees charged on withdrawals made from local banks' ATM.

This post has been edited by MilesAndMore: May 30 2016, 12:16 AM

My Transact account is RM 0, only Savers account has fund.

OT :

May I know what kind of Time Deposit you put into? Thanks

The normal one that follows board rate.