Except seldom has high FD rate except for few banks like Mach, Alliance etc. But compared to other bank's promo, still slightly lower FD rate. If amount is huge, can be quite substantial different interest returns.  Also limited banks with high eFD rate to spread the eggs. Good for those HNWI people who don't care about the interest. 

Only good, if no time (lazy  ) or want to get items 1 to 4 listed above. I do place eFD but only for short term needs where I don't care about the interest rate. 
Ha ha, you become my spokesman ?   

You learn from Genx saying I speak your mind..

1) should be able to transfer between own accounts using Internet Banking.

Screenshot from Internet Banking > Transfer Fund. Note from screenshot: I only have SmartSavers. 



2) OPR change, up to bank's discretion to revise the interest rate.

3) Dont think so. It's an e-account anyway 

Can smartsaver acc change to esmartsaver enjoy the promotional rate ?

anybody managed to open esmartsaver successfully?

i applied online but got a sms a few days later saying my application cannot be processed and advising me to open at a branch.

today, i went to main branch to open esmartsaver but they said esmartsaver cannot be opened at branch and has to be done online.

ocbc malaysia is really f*cked up in their ebanking initiative. does anyone know if their customer service is on twitter? dont want to pay extra phone charges to call their 1300 number...

OCBC e-SmartSavers can now be opened directly in Internet Banking portal for existing OCBC customers 

In OCBC to do the Hugos Boss pen FD promo. The PB centre staff and the leng lui RM are NOT aware of the promo. This promo is solely OCBC and not related to RinggitPlus, they asked me if it is RinggitPlus. They checked OCBC website and finally found the promo.  OCBC really did not communicate this well, even PB centre staff not aware of this promo. Around CNY, they are also not aware of their Ang Pow FD promo.

The leng lui RM told me this promo is an islamic one. So have to open a new islamic FD account. Luckily this time opening of the account is faster as compared to the first time (oh the first time .............. ). So hopefully I can get the pen 2 mths after end of July.  Call Almighty Magician for help if cannot get the pen. 

The earlier 180+180 days 4%/4.4% FD still ongoing. This one in fact gives better FD rate as the first 180 days interest added to the principal for the next round. Except no pen for this one.

The Hugo Boss pen promo is for normal 1 year period, 365 days. 

Went to Ocbc placed a FD for the roller pen. it seems that ringgitplus has 20" in trolley bag promo. t and c did not specufy new or existing customer. a good quality bag.

Did you register through SMS or OCBC web site ? I did both. But when I register thru' the SMS, no confirmation back. Did you receive SMS confirmation from OCBC ?

So do the PB centre of OCBC now aware of the roller pen promo ?  Still trying to find the leng lui RM that I mentioned before ? 

I did both and I received the sms. Without showing the sms, the counter staff will not allow to participate. Did not see any leng lui RM, guess she is in your imagination.

Your standard is too high la. Ah Boom also said OCBC has lots of leng lui. So either your std is too high or .................  

Did the staff indicate in some where of your participation ? 

I registered both promos but unfortunately OCBC Puchong asked me to choose either one promo only.
Got such tnc?

I registered both promos but unfortunately OCBC Puchong asked me to choose either one promo only.
Got such tnc?

Can have RM40k for pen and another Rm40k for power bank, another RM40k for bag?

I have opened OCBC e-smartsaver account.

so now have to deposit money every month to the account in order to enjoy 4% rate?