Uob 4.2. But reports from forum said can reach 4.25. If you have guts, you can try ASX. 6.X%

Guys, now 1st and 2nd page not updated with fd promo, how to keep tab of latest fd promo?

Pure fd. But need to open an account with them. After matured, remember to close account or else kena charge.

Best to put rm30k to maximise returns as one can only open that account once.

Cause the account with them is not normal account but some kind of account like priority banking account which you need to maintain a certain amount. Forgot how much. So by withdrawing the FD upon maturity, your limit decrease. Hence they charge you.

Tagged the wrong person. Lol.

CIMB really offer 4% for 3 months? Any specific t&c?

Do you have the pic ? Want to see it.

Then how to apply for this? I have some FD maturing which I want to put. Was thinking about RHB 3.85% until you said CIMB 4%. Just tell the counter you want to put FD at 4% for 3 months? What if they don't know about thhis promo?

This promo last until when? What's the minimum?

Didin't know CIMB got unofficial promo.

No need to be a PB with them right?

Alright thanks for the info. My FD only matures in October.

If you have no money yet, recommend you open ambank Truesavers account first. Any amount of money will gain you 2.8% interest. So once you have rm1k + interest from Truesavers, you can put 1 month efd using ambank or bsn. Upon maturity, uplift, add in more money + interest gained from that one month efd + interest from Truesavers, that rm1k into a new 1 month efd. By 5 months, you might have more >rm5k if you add in rm1k/month.

You can also go for cimb 3 months promo. Minimum rm1k. 4%

Where is there maybank 4.15?

Not sure. But if you look at this page, you can login into myBSN. And this page display FD st myBSN
http://www.mybsn.com.my/content.xhtml?contentId=127

Interest credited every month. But keep in mind, Truesavers allow you to transfer/withdraw 3x/month. > 3x, you pay RM5+ for each transaction. Better go bank and open. Open online takes I think 1 week. After that need to go bank and collect card. They won't send to you. Also need to scan fingerprint.
When you open a truesavers, you get 2 account. Truetransect (free unlimited IBG, no interest) and truesavers (max transfer/withdraw 3x/month which include transfer to truetransect). Make sure to put money into truesavers NOT truetransect. ONLY use truetransect for IBG.

As what the forumer said, cimb promo is not official. No pic/link. HAve to ask counter staff. If they ask how you know, just say fried told you got such promo.

What I meant was maybank 3 months FD at 4.15%. Not the one posted. That one is 10 months. If got 4.15% for 3 months, I am going to put at maybank.

Is not 2.8% every month but keep in mind 2.8% p.a so your money will be given interest by the following calculations:

RMxxx X 0.028 (interest) X (total no of days inside the account / 365 days)

Can save RM1k/month. Minimum also RM500. This money can be added into Ambank TS to get interest. That's the beauty of ambank TS. Any ammount can get interest. Don't drink starbucks, chatime. Refrain from going to cinema Eat at economy rice stall, don't go dining at fancy restaurant, be an internet leech (if got free wifi, use it) Buy RM5-10 bundle clothes/3 years, don't buy something because it looks cool/nice/eye catching. Shop online like from ebay. Although USD at all time high, is still cheaper than buy from malaysia most of the time. If you use public transport, buy monthly/yearly passes. If you drive, learn how to maximise your fuel (don't use aircon at housing estate, early in the morning, pump petrol at night, don't be a speed demon) Lastly use cashback credit card (PAY ONTIME or else you will kena charge - check out the credit card thread. Read carefully how each card operate. If you don't read nicely, you will not earn a single sen of CB)

That's my saving tips for you. Hope it helps. You can't get something by not giving up something in return. In this case, you are giving up to look cool/trendy to get more money.

Well wil-i-am said that CIMB have 3 months FD at rate of 4%. Only is unofficial promo. No links/pic. Need to ask counter staff.

This post has been edited by Ramjade: Sep 8 2015, 11:41 AM

Forget about CIMB CC. Not worth it. Better use HLB WISE and Maybank Ikhwan. Also make full use of the trick CC + eFD + M2S/Ambank TS trick to get maximum money from your CC.

The swipe can be used for Petrol/Groceries (depending which one you use more) use maybank ikhwan as backup. For Petrol. You can pump rm50 repeatedly. For groceries, just buy 10 x rm50 voucher and use that voucher for shopping. For utilities, you can split payment via uob payonline. Help your family to pay their bills and split the payment. Say TNB rm100, uob payonline and split payment to rm50 x2

Yes. Tesco, giant, Aeon, all have. You even topup TnG at places that count as petrol/Groceries, hence maximising your cash back.

Yes for insurance and SI. However insurance is not counted into the 3 categories. Hence no cashback.

Keep in mind that 4% is promo until 31/12. You need to deposit RM50/month to get 4%. After dec, it will go back to 3.05%. To get that 3.05%, you need to deposit min RM1k/month. Once you withdraw, the interest for that month drops to 0.5%

After Dec,

So complicated. Not worth la. In my own opinion.

For 3.05%, better I go for 1 month eFD at 3.15% or 3.25%.

This is my own opinion.

This post has been edited by Ramjade: Sep 8 2015, 11:09 PM