Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3
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 Jul 23 2015, 09:46 AM
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#141
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6,614 posts Joined: Mar 2011 
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QUOTE(cklimm @ Jul 23 2015, 09:36 AM) RM21.20 they told me, and I walked out from the bank hearing it I already have acct with Affin. Then placed the 4.33% FD last month. No need to get any debit card. Even when I opened the SA, no card issued. For internet banking no need debit card to verify acct also (on ATM).   |
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Jul 23 2015, 02:22 PM
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#142
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6,614 posts Joined: Mar 2011
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QUOTE(euniceyew @ Jul 23 2015, 02:17 PM) Just went to OcBc Kepong. Officer say no more Hugo boss pen available for 40k FD . All redeemed Have to be fast on this type of promo. But could have timing problem on funds. Early bird gets the worm. Placed mine 2 weeks ago. Hopefully will receive the pen later.  This post has been edited by bbgoat: Jul 23 2015, 02:29 PM |
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Jul 24 2015, 07:21 AM
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#143
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6,614 posts Joined: Mar 2011
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QUOTE(euniceyew @ Jul 23 2015, 02:17 PM) Just went to OcBc Kepong. Officer say no more Hugo boss pen available for 40k FD . All redeemed Late yesterday, received SMS from OCBC that the Hugo Boss pen for the 40k FD. Other people must have also received the SMS. OCBC error or they have stocked more pens ?  Anyway I have already placed my FD 2 weeks ago. QUOTE(cklimm @ Jul 23 2015, 05:00 PM) My OCBC girl said that earliest will be Oct Oh, good  "My OCBC girl"  Your girl ?  This post has been edited by bbgoat: Jul 24 2015, 07:22 AM |
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Jul 24 2015, 09:21 AM
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#144
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6,614 posts Joined: Mar 2011
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QUOTE(cklimm @ Jul 24 2015, 09:11 AM) yeah, and UOB girl, SCB girl, HSBC auntie as well... Yeah, my OCBC girl/leng lui (RM) is shunning me because I did not want to buy UT from her.  Just notice all those you mention are foreign banks !  This post has been edited by bbgoat: Jul 24 2015, 09:22 AM |
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Jul 24 2015, 10:02 AM
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#145
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6,614 posts Joined: Mar 2011
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QUOTE(Ramjade @ Jul 24 2015, 09:26 AM) So uncle goat want to put bsn or not? So high interest. But don't think got leng lui. QUOTE(sandkoh @ Jul 24 2015, 09:39 AM) unkle ramjade suka unties in bsn?high interest, u joker la Hahaha,  5yrs lagi! mbsb 5hr 4.7%!!   4.5% for 5 yrs cannot be high. Have put 15 mths 4.5% SCB. 5 yrs just too long. Would go for MBSB 5 yrs 4.7%. QUOTE(Ramjade @ Jul 24 2015, 09:44 AM) Mbsb, no protection. Among the banks with protection bsn offer the best rates for now. Not yet uncle la. Still student. Only likes high interest. Don't care about leng lui. QUOTE(sandkoh @ Jul 24 2015, 09:47 AM) hamsap kiddo? unkle la pretent pretent onli. u think bsn full protection like bank rakyat? What protection ? In life have to take some risk, kiddo (or uncle Ram ). |
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Jul 24 2015, 03:59 PM
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#146
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6,614 posts Joined: Mar 2011
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QUOTE(cybpsych @ Jul 24 2015, 03:22 PM) better use e-Fixed Deposit instead. the cost of placing a conventional FD would offset the profit from 1mth FD interest gain. QUOTE(cklimm @ Jul 24 2015, 03:35 PM) The best 1mth eFD in the town available on Affin online, not sure if they allows online withdrawal though I did search before, looks like Affin has the highest for the 1 mth 3.25% FD. But BR's rate is 1 mth 3.4% except no PIDM.I ended up still put in CB for 2.95%, amt xxk. Too much hassle to go to the banks (BR) just to do the 1 mth FD (back 1 mth later). Do online for the CB FD and can even call to terminate if needed. Convenience is the key. QUOTE(cklimm @ Jul 24 2015, 03:37 PM) Kakak CIMB,Maybank, RHB pun ada, but they never kacao me Oh, kakak did not kacao you. Your avatar showed a very serious side, more like the Korean Kim's .......... Pulling your legs. This post has been edited by bbgoat: Jul 24 2015, 04:03 PM |
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Jul 24 2015, 06:07 PM
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#147
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6,614 posts Joined: Mar 2011
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QUOTE(aeiou228 @ Jul 24 2015, 05:55 PM) I'm think cherroy was not refering to full sovereign guaranteed deposit taking financial institions. In recent high tea hosted by BR, they claimed FD are fully guaranteed by gomen. I have posted this not too long ago. Off hand, I can only think of three names ie. BSN, SSPN and KWSP are Di Jamin penuh oleh kerajaan Malaysia. Please add to the list if you can think of any other name. Read here for the limitation of PIDM. (Of course, better than nothing la) https://forum.lowyat.net/index.php?showtopi...post&p=75241935 |
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Jul 24 2015, 06:28 PM
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#148
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6,614 posts Joined: Mar 2011
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QUOTE(aeiou228 @ Jul 24 2015, 06:25 PM) And what do you reckon Hahaha, same as what BSN claim, you believe what u want to believe. ?I don't place too much emphasis on PIDM protection as the sum that I put in may exceed that limit in 1 bank. BR some more no PIDM. So PIDM to me just oh yeah, has PIDM. |
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Jul 24 2015, 06:37 PM
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#149
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6,614 posts Joined: Mar 2011
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QUOTE(aeiou228 @ Jul 24 2015, 06:32 PM) BSN proudly stated in black and white there are fully jamin by gomen. Not same with BR wor. BR claim that it is in their application form which I did not take a look.Anyway if something happens, are u going to hold a bank to say you put it up in your website or a form ? |
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Jul 24 2015, 06:42 PM
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#150
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6,614 posts Joined: Mar 2011
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QUOTE(aeiou228 @ Jul 24 2015, 06:25 PM) Your FD receipt got stated Di Jamin or not ? Just saw the edited post. If something happens, what is printed "jamin" NOT important any more. You want to take them to court ? |
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Jul 24 2015, 06:58 PM
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#151
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6,614 posts Joined: Mar 2011
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QUOTE(aeiou228 @ Jul 24 2015, 06:56 PM) If it is officially declared and stated in their public domain or in the receipt that your money is fully guaranteed by the government, then you have a recourse. Well as I said, you believe what you want to believe. BR also claim that it is in B/W. If nothing black and white or just by hearsay and It goes under, the FD receipt is all your have. No recourse whatsoever. Unless gomen under no obligation decide to bail your banker out. This post has been edited by bbgoat: Jul 24 2015, 06:59 PM |
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Jul 25 2015, 05:27 PM
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#152
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6,614 posts Joined: Mar 2011
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QUOTE(wil-i-am @ Jul 25 2015, 07:12 AM) Yes with ratio of UT:FD @ 2:1 or 5:1 RHB offer at 1:1 will be better. But not sure if still ongoing. QUOTE(Nom-el @ Jul 25 2015, 04:24 PM) Affin does not have true eFD. Affin has online FD placement only, the branch will process the request on the next working day. It is similar to Public Bank's online FD placement but Affin will send you the cert instead of asking you to collect it at the branch. You cannot withdraw the FD online. Good info on Affin eFD. This link might be useful to those looking for current FD board rates http://www.abm.org.my//_repository/uploade...0JAN%202015.pdf Have done eFD for PBB and have to collect the cert from branch.  This post has been edited by bbgoat: Jul 25 2015, 05:28 PM |
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Jul 25 2015, 08:02 PM
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#153
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6,614 posts Joined: Mar 2011
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QUOTE(cklimm @ Jul 25 2015, 07:56 PM) same thing goes for the HSBC eFD, branch only withdrawal CB the same. CIMB & MBB eFD can terminate online. |
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Jul 27 2015, 09:09 AM
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#154
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6,614 posts Joined: Mar 2011
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QUOTE(BoomChaCha @ Jul 27 2015, 02:35 AM) UOB - Enjoy Interest Up to 5.45% -- Valid from 12 May until 31 July 2015 Ah Boom, disappeared for a while, welcome back ! This FD promo (bundle with Unit Trust) looks very complicated to me...  [attachmentid=4651251] Link: http://www1.uob.com.my/personal/promotions...vwb_160615.html T & C: http://www1.uob.com.my/assets/pdf/tnc/pvwb...sign_up_tnc.pdf Free UOB Umbrella When Register for Personal Internet Banking Valid from 6 July until 31 August 2015 Edit: Re-looked at it and it seems complicated with PB and wealth banking membership requirement. Need to read carefully again. This post has been edited by bbgoat: Jul 27 2015, 09:18 AM |
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Jul 27 2015, 10:35 AM
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#155
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6,614 posts Joined: Mar 2011
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QUOTE(yygo @ Jul 27 2015, 08:58 AM) i did not see much contribution from u either. QUOTE(aeiou228 @ Jul 27 2015, 10:10 AM) Please go to /k, we don't debate in such manner in Finance, Business and Investemnt forum. You guys should stop all these. There are better things in life to debate about.  Lets find better FD offers and promo ! |
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Jul 27 2015, 10:39 AM
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#156
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6,614 posts Joined: Mar 2011
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QUOTE(TSOM @ Jul 27 2015, 10:37 AM) anyone using bank rakyat?? Not at the moment. In last high tea in Penang, their corporate VP said they are working on it and maybe next year will be done. can the FD deposits be done via online banking? |
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Jul 27 2015, 01:47 PM
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#157
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6,614 posts Joined: Mar 2011
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QUOTE(kmarc @ Jul 27 2015, 01:33 PM) I think it is the same as the Merdeka FD promotion. I actually went there aiming for the 4.1% at 8 months FD but the officer asked me whether I want to put longer (i.e. 4.18% at 12 months). I said yes and she processed it. Didn't asked much..... Good to know that UOB has the 12 mth 4.18%, though lower than their previous 12 mth 4.2% promo. I actually requested whether I can add in my existing fund and the officer said she will try to ask. I actually only had about 10k truly-fresh-from-the oven fund  . Turns out that they can only accept funds that was banked in for this month and not older than that. Was surprised that they can consider funds banked in that particular month as "fresh" funds. So I managed to put in a bit more not-so-fresh fund.... For UOB, I was told can add in 10k to existing "busuh" fund, then can go for the promo. It makes sense as most of their promo require 10k or above. This post has been edited by bbgoat: Jul 27 2015, 01:48 PM |
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Jul 27 2015, 02:04 PM
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#158
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6,614 posts Joined: Mar 2011
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QUOTE(kmarc @ Jul 27 2015, 01:59 PM) That's what I tried. My online FD (1-month) matured today so I requested to uplift that FD and add-in the 10k fresh. Turns out I can't.... the 1-month fund too smelly.... Haha, interesting. Last time I wanted to RENTAS out matured FD, then issue cheque to place FD. The staff suggested I just add 10k and then can place FD with the matured fund (1 day still not that busuh). I did that. Maybe diff UOB branch practice differently. |
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Jul 27 2015, 04:17 PM
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#159
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6,614 posts Joined: Mar 2011
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QUOTE(kmarc @ Jul 27 2015, 03:55 PM) Ya, I learned from you guys. That's why I thought it was possible just to add in 10k. Dunno why cannot...... Ai,   bank branches sometimes operate based on some different SOP. Have experienced that with MBB and heard so much here with BR (almighty Magician getting free RENTAS )etc.  |
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Jul 27 2015, 09:59 PM
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#160
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6,614 posts Joined: Mar 2011
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QUOTE(yygo @ Jul 27 2015, 08:02 PM) parker pen,lap top bag,umbrella,mug etc.can ask for 2/3 items jika deposit big sum. Wow, another BR kaki. 50k can ask higher rate. QUOTE(cklimm @ Jul 27 2015, 09:47 PM) 50k ask for higher rate on top of parker? wow Hard to say. BR at times say 50k, at times only 100k as the limit for so called nego rate. But can always try your luck. Just ask. |
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