QUOTE(lowya @ Oct 19 2015, 07:55 AM)
is the true saver 2.8% follows the 1 month fd rate and could change every time the rate changes?
It's fixed at 2.8%True by AmBank
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 Oct 19 2015, 08:56 AM
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Oct 19 2015, 11:14 AM
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QUOTE(Ramjade @ Oct 19 2015, 09:00 AM) Even with changes in opr? I don't know. Maybe you can point to me where did they say they will revise the rate if there's changes in opr? This post has been edited by ohcipala: Oct 19 2015, 11:15 AM |
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Jan 12 2016, 11:47 PM
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QUOTE(fruitie @ Jan 12 2016, 11:39 PM) I have two questions for the eFD: i) I think can transfer from either one but if you transfer from Saver account, it counts towards one of the 3x free withdrawal. For Savers Account, always remember that as long as money goes out from that account, it's considered as withdrawal. i) To transfer money for eFD, transfer from Transact or Saver account directly? Will it calculated as one of the 3x free withdrawals? ii) I supposed I choose for the deposit-i 1 month if I want the Islamic eFD? ii) islamic eFD coz rate slightly higher. Lol |
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Jan 13 2016, 12:24 AM
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QUOTE(Ramjade @ Jan 12 2016, 11:58 PM) 1) True. Any money going out is counted as withdrawal except if done over the counter. Oops. Sorry for overlooking. If 1-2 months, then both give the same rate. If 3 months and above, then islamic eFD gives a higher interest rate2)Sure or not? Ambank both Conventional and Islamic efd is 3.15%. Difference is one need min rm5k. The other need min rm1k only. The only bank I know which give higher rates for their Islamic eFD is maybank. |
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Feb 24 2016, 09:47 PM
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QUOTE(AssToast @ Feb 24 2016, 07:54 PM) Thread seems a bit dead but would like to ask a question. So you have to manually link your debit card to either Savers or Transact because I'm a bit confused on this thing. Or is the debit card automatically linked to Transact account? So if it is linked then all spending will be from that account? Debit card is automatically linked to Transact Account |
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Mar 16 2016, 08:57 PM
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QUOTE(MGM @ Mar 16 2016, 08:50 PM) Would like to reconfirm the following: You've got it right - 3 withdrawal limit is impose on True Saver account only - unlimited free withdrawals and online-IBG from True Transact account. To make full use of these accounts n high interest n without incurring any fees: -put funds in Saver Account to get d high inetrest, -plan to have max three transfer/withdrawal to Transact account per month then use the Transact accounts to do online-IBG for payment.  |
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Mar 19 2016, 09:30 AM
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QUOTE(MGM @ Mar 18 2016, 10:03 PM) ohcipala I have no idea why you get charged too. Probably should call the bank to enquire more.I got a shock when I looked into my TRUE accounts this morning when fees of rm5+$0.30 was charged into my acc. So the 3 withdrawal limit is counted on the total of both accounts? |
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Mar 28 2016, 12:32 AM
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QUOTE(CalvinCLK @ Mar 27 2016, 08:41 AM) I have this problem as well. Only noticed this morning (it was debited on 25th March). Called and confirmed with CS I have only 3 withdrawals only so far and the third withdrawal was charged RM5.00 + RM0.30 GST. I think they screwed up the system. They better refund it or else another report to BNM.  QUOTE(MGM @ Mar 27 2016, 10:06 AM) Have to go to the home branch to ask for reversal of the fees. Was told of system screwup where the transaction counts was for feb&march. Good info there. QUOTE(aeiou228 @ Mar 27 2016, 11:29 AM) Do you think Ambank online banking user interface is outdated and not user friendly? +1. Some options are not so obvious and require too many clicks to access them Fund transfer is too rigid and kind of confusing for first time user.  |
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Apr 8 2016, 01:14 PM
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QUOTE(Ramjade @ Apr 8 2016, 01:07 PM) Alright. Thanks for the info. Time to close it after 1/5/2016. Going to move to another bank with 2.5% interest in combo with maybank eGIA-i The other bank is ocbc? |
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Apr 8 2016, 01:22 PM
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QUOTE(RO Player @ Apr 8 2016, 01:14 PM) remove all out but dont close it...move to higher % If there's no money left, why would you still keep the account? |
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Apr 8 2016, 04:27 PM
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QUOTE(Ramjade @ Apr 8 2016, 03:54 PM) Close at 1/5 or after that so that you get the interest for April. Can probably lay out the pros and cons of each account? If you close before 30/4, I don't think you get any interest. |
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Apr 9 2016, 11:25 AM
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My strategy as well. Anything more than rm1k, I'll put it in mbb gia-i. Now still looking for somewhere to park funds for less than rm1k.
Might probably park at ocbc smart Savers, and if that month there's withdrawal, I'll just transfer the balance all over to truesavers to enjoy at least 1.8%. Anybody has better idea? The rhb one looks not too great. You need a year to get 2.65% and monthly topup of Rm500. Who knows when you've just reached that 2.65% mark, they decide to change it to a lower rate Edit: Just after I posted this, I thought of this. Why not just make mbb gia-i as a savings account? If there's fund less than rm1k, I'll just uplift one of my placement, then make another placement which consists of original fund + whatever that's less than rm1k. Lol. Ramjade This post has been edited by ohcipala: Apr 9 2016, 11:32 AM |
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Apr 9 2016, 12:18 PM
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QUOTE(Ramjade @ Apr 9 2016, 11:39 AM) Precisely my though after reading the explanation by cybpsych. If mbb decides to cut the rate, then I'll do my combo of ocbc smart Savers and ambank truesavers No need to have all the hasle of going to RHB and opening the RHB Bonus Saver. The downside is if Maybank suddenly cut the eGIA-i interest (too many people apply, and withdraw early - they lose money - like what happen to M2Cards), we have no where to run. I still think RHB Bonus Savers is good as backup (the account have always been around for a few years already). But RM6k which I can put into amanah saham just to chase the 2.65%p.a is not worth it in my opinion.  cybpsych gave me the idea of creating multiple RM1k placement and use those 1k placement upon needed. Glad we could come to a conclusion.  cybpsych good job. :thumbsup:   |
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Apr 23 2016, 12:53 PM
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QUOTE(Ramjade @ Apr 23 2016, 12:26 PM) Really? http://www.maybank2u.com.my/mbb_info/m2u/p...al/ACC-Accounts So rhb is off your books now?  This post has been edited by ohcipala: Apr 23 2016, 12:54 PM |
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Apr 25 2016, 10:40 AM
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#15
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QUOTE(yygo @ Apr 25 2016, 08:51 AM) wic other bank give high sa interest, bro? not with too restrictive t&c one. Just came across this. Bonus 5% with monthly balance of RM5k. Feel free to list out the conshttp://www.mybsn.com.my/content.xhtml?contentId=122 |
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May 6 2016, 11:07 PM
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QUOTE(crab hammer @ May 6 2016, 08:13 PM) Junior saver hong long n rhb offer 3.15% also Savings account or 1 month fd? |
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Jul 17 2016, 04:16 PM
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QUOTE(??!! @ Jul 17 2016, 04:03 PM) Can we uplift part of the investment ? say uplift 10k out of a 50k investment? Nope but what you can do is uplift the 50k and make a new placement of 40k |
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