My UOB has matured last week but I haven't go withdraw it. But today when I log in to my UOB personal internet banking, there is a function that I can withdraw it to my saving account with just a click. Anyone used it before?

Anyone withdrawn using Alliance online Alliance FD on maturity and place on Alliance eFD before?

This post has been edited by tonytyk: Sep 26 2015, 12:57 PM

Anyone didn't receive the previous OCBC Hugo Boss Pen? Asking because I made deposit for the current promotion of Luggage Bag/ Air Purifier. No matter how I read the T&C, it doesn't mention on limited quantity. It only needs us to register, then show it to the teller/ banker when we make the placement. After I show to the banker, he said they will contact me in Dec to collect the gift. There's no indication of the entitlement, and no slips or receipts given to me to prove my eligibility to the gifts. So it's very possible when comes Dec I do not receive any call and they can claim that I didn't register. It's very ambiguous. No proof whatsoever. I e-mail them to clarify but no reply after 1 week.

This post has been edited by msa9696: Sep 26 2015, 02:36 PM

I was informed that the Hugo Boss Pen will be distributed Oct, just wait and see lor

If didn't receive, raised to the appropriate authorities

Yes can withdraw from online banking and also may placed new fd but x promo rate.

Just a quick opinion of mine.

RM2k x 3.15% pa /12 = RM5.25 per month (eFD from your current bank account)
RM2k x 3.9% pa /12 = RM6.50 per month (over counter)

Personally, the difference in actual amount is too little to trouble yourself over the counter. Your time alone is worth more than the RM1.25 cents a month (or RM3.75 over 3 months). While I understand it varies individually, only go to counters when the difference in amount is more valuable than the time spent, or/and petrol and parking spent.

Example
RM10k x 3.15% pa/12 = RM26.25 pm
RM10k x 3.90% pa/12 = RM32.50 pm

Over 3 months, RM18.75 ... at least this covers your time (to some, RM19 isn't even worth the trouble), assuming you just need to walk there. Remember, it's not just once that you need to go over. You need to go to counter as well to uplift. That will be 2 visits just to make that difference is amount compared to eFD. Maybank 3 months eFD is 3.20%. The difference will be even lesser since I'm only using 3.15% for calculation.

Remember, we're all in this thread to make sure our money works for us, with as minimal effort as possible. If cost>interest gained = no good ROI. Unless the bank is just within walking distance of your office, then I think it wasn't a good idea to go OTC.

Just in case you didn't know, Maybank offers Islamic eFD at 3.25% for 1 month. Minimum RM5k. Quite good considering that other banks board rates for 1 month eFD is <=3.15%

What's the best 3 month rate currently? First post says 5% HSBC was extended but can't find it. HSBC website got term deposit I for 4.2%, is that no strings attached?

https://www.hsbc.com.my/1/2/!ut/p/c5/04...GhACG781o!/

yes, there will be a lot of strings

U may consider CIMB Bank as they offer 3 mths @ 3.90% with min 1k ony

But still , need to have casa account....swt

Thanks, totally not worth it then.

Thanks, will consider that. CIMB nearer than HSBC for me too =)

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This post has been edited by FDInvestor: Sep 28 2015, 03:09 PM

Went to Maybank today to get the 5 + 5 promo rate. Only Islamic available. Conventional sudah habis!
Any difference?

To me, both is the same as long as I receive same returns upon maturity

As long as they write on the cert, how many % and got pidm good enough.

Just uplifted my 1 year FD 4% @ SCB. And as expected, while doing so, RM came out to try to convince me to continue leaving my money with them. Was approached with a capital guaranteed bond, with a yearly interest of 4.7xx% and no lock in period. If place today or tomorrow, they will pro-rate by end of this year and transfer interest into existing CASA. And if redeem any time next year, will also pro-rate. Another bond was giving 4.6xx% ... Both with no sales charge or fees involved.

So, if I can't think of any other offer, I might opt for this tomorrow. This was at Bandar Puteri Puchong branch. I Rentas'ed transfer my money out any way. The RM says he will come see me in my office if I decide to take up that offer.

I can only see 4% FD but with a 1:1 in CASA. Didn't ask if there was any current FD promos. Maybe will ask when he calls tomorrow.

interesting, do update us with details

Bro, can share the details of CGB?