Fixed Deposit Rates In Malaysia V. No.9, Please Read Post#1 and #3
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 Jun 22 2015, 05:46 PM
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#1
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All Stars
26,521 posts Joined: Jan 2003 
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BR is getting real bad. My mom went to update my FD certs (me as joint account). They printed the cert wrongly, both name is listed twice but one with my IC, another with my mom's. If not because I am busy this week, I would have withdrawn all.
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Jun 25 2015, 06:06 PM
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#2
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(cybpsych @ Jun 25 2015, 04:56 PM) FYI, open OCBC e-SmartSavers Account from now until 30 September 2015 and you'll receive a special interest rate of 4.00% p.a. on account balances until 31 December 2015. This is interesting. From what I understand from the T&C, looks like there is no hidden agenda.Just need to deposit minimum of RM50 monthly to enjoy this rate. Read more here and here. Too bad, existing SmartSavers account holder not eligible to open e-SmartSavers account  Account balance refers to the balance at the end of every month and the interest will be credited monthly? Assuming I bank transfer 10000 to the account now, I stand to obtain RM33.33 at the end of this month and after 6 months (31 Dec 2015), it will be compounded to a total of RM10201.67? |
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Jun 25 2015, 06:12 PM
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#3
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(cklimm @ Jun 25 2015, 06:08 PM) the hidden agenda is, if you make any withdrawal, your rate will be reduced to 0.50% p.a, for that calendar month I am okay with that as will treat it like a 1-month eFD. On the other hand, if we pump in more fund on the next month, it will enjoy the 4% p.a. too. But really sound too good?  This post has been edited by Human Nature: Jun 25 2015, 06:15 PM |
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Jun 25 2015, 07:05 PM
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#4
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(cybpsych @ Jun 25 2015, 06:54 PM) mechanism works like traditional smartsaver account. very very good interest rate if u don't need immediate fund. I've been getting lots of free money by depositing 1k every month (as early as possible, usually 1st working day due to IBG, since interest is calculated over daily balance). QUOTE(cybpsych @ Jun 25 2015, 06:57 PM) yes, keep on pumping in money the next month to regain the high interest rate. alright, thanks. I have been depositing small amount every month to CIMB eFD for 3.15% only remind yourself not to withdraw the fund within calendar month . |
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Jul 7 2015, 08:16 PM
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#5
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All Stars
26,521 posts Joined: Jan 2003
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Will our FD in ambank be affected by the latest scandal?
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Jul 8 2015, 10:12 AM
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#6
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(bbgoat @ Jul 8 2015, 09:20 AM) I have 3 years FD in AmBank. If people suspect it will be affected, there will be a run on the bank. The name of the bank escapes me but one of our local bank got into some trouble in the 80s/90s and people are queue-ing up to withdraw money. This was told by my dad |
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Jul 8 2015, 10:52 AM
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#7
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(mamamia @ Jul 8 2015, 10:40 AM) That time Shd be MBF yaya correct that one |
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Jul 15 2015, 03:25 PM
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#8
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All Stars
26,521 posts Joined: Jan 2003
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Anyone know whether UOB is having any 12mth promo? 1st post only showing they have 3,5,8 months.
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Jul 18 2015, 11:48 AM
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#9
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All Stars
26,521 posts Joined: Jan 2003
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Anything I can do if my FD matures when I am in overseas?
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Jul 18 2015, 01:14 PM
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#10
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(wil-i-am @ Jul 18 2015, 01:10 PM) Inform the Bank to perform auto-renew together with int upon maturity That would give the board rate  Possible to nominate another person (not joint holder) to uplift? |
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Jul 18 2015, 01:28 PM
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#11
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(wil-i-am @ Jul 18 2015, 01:23 PM) U mean the nominee will take cash upon uplift? Yup, in banker's cheque. OCBC by the way. |
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Jul 27 2015, 03:25 PM
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#12
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(MichelleLin @ Jul 27 2015, 12:20 PM) Yes you can do FD upliftment via online through the OCBC Internet Banking. Is this for eFD only or normal FD is able to be uplifted thru internet banking too?Would be great news if normal FD can be uplifted online as FD upliftment for OCBC here is terribly slow. This post has been edited by Human Nature: Jul 27 2015, 03:26 PM |
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Jul 29 2015, 07:12 PM
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#13
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(bbgoat @ Jul 29 2015, 04:19 PM) BR called about Raya open house in the branch. Last year was held in Penang Pesta, a bigger venue. They are good in this type of public relations. Just few months back a high tea in a hotel. Chinese new year get hampers for selected customers. After few years no news, I received an invitation for the hari raya open house too...thru the manager's whatsapp |
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Aug 7 2015, 02:53 PM
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#14
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All Stars
26,521 posts Joined: Jan 2003
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My 4.5% SCB also next month.
Looks like finally have to open UOB CASA  okla..min deposit RM20 only |
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Aug 10 2015, 07:45 PM
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#15
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All Stars
26,521 posts Joined: Jan 2003
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here is my schedule
4.5% 15 mths 5-sept (1st batch) 4.25% 15 mths 15-sept (2nd batch) 4.25% 18 mths 29-sept (2nd batch) 4.25% 18 mths 13-oct (2nd batch) |
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Aug 13 2015, 06:10 PM
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#16
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All Stars
26,521 posts Joined: Jan 2003
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Is OCBC FD upliftment to banker's cheque still FOC?
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Aug 13 2015, 07:46 PM
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#17
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(cklimm @ Aug 13 2015, 07:20 PM) 53 sen including gst Thanks. Is this for non PB customer too? |
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Aug 18 2015, 11:49 AM
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#18
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All Stars
26,521 posts Joined: Jan 2003
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When nego with BR, you nego with the manager or counter staff?
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Aug 18 2015, 07:41 PM
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#19
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(bbgoat @ Aug 18 2015, 11:58 AM) Counter staff cannot make decision or may give you lower rate. Have to be at least ABM or BM level for bigger amounts of 100k upwards. So basically at the counter, I request the counter staff about this and get him to speak to the manager? Small people only take queue number, no direct access to manager wor. |
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Aug 19 2015, 06:30 PM
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#20
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All Stars
26,521 posts Joined: Jan 2003
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QUOTE(kyenli @ Aug 19 2015, 01:51 PM) Adoi. Why your RM layan but this is the reply I got from my complaint letter to them. Why different standard? Do yourself a favour and forward that email to Bank Negara, bnmtelelink@bnm.gov.my Dear XXX, Thank you for your message dated 13th August 2015 with regards to the FD. Please be advised that the Interest will only be credited on the 15th month upon renewal. We hope the above clarifies. Should you require further assistance, you may contact us via our 24-hour customer service line at 1300 888 888 or 03-7711 8888. We are pleased to be of service. Thank you for banking with us, and have a pleasant day. Warm regards, Latha Maleni Kanniasen Standard Chartered Bank Malaysia |
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