okay. thanks..

5% quite high 

If I transfer Funds from HSBC Amanah, is tis consider new?

3 months for 5%.
Min 5k max 30k
so those rich ones can open as many accounts as they want to benefit fully from this promo

i am happy with the HSBC free coffee, i will keep the 30k there after 3 months. Who needs Starbucks when you have HSBC? 

Will manually close down the accounts like what you advised after 3 months 

Then turn to Affin Bank 15 months 4.33% FD

Where is the T&C stated this..? 

The last sentence is quite misleading... 
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I will go to Affin Bank to get confirm about it when I have time..

I do not think so.

In version 8, a forum member mentioned that because this Promo duration is very long (valid until end of the year),
so this 4.33% will change based on OPR; but for those who already placed the FD, the original FD rate will not change
regardless of the OPR change. I more agree to what he said about this.

Eg, if next month opr drops affin promo rates might drop as well for new placement.  But those who
placed before the drop will get enjoy the 4.33%

Yea correct, I just want to place a FD, don't want any loan/credit. Any recommendation?

but keep $$ in Singapore bank, the rate is kinda low..

unless u invest like Reits.. the divvy is TE unlike here have 10% tax 

Banks offer FD promotion with gud rates subject to fresh Funds
Lets say if I issue a cheq from Maybank branch A n goes to Maybank branch B for FD placement, is tis consider fresh Funds?

Sorry noob question here, 1st time fixed deposit user here, what is per annum means?
For CIMB latest fixed deposit 3.9% 3 months thingy, it stated 3.9% 3 months per annum.
So eg: if I put RM50k in it for 3 months, after 3 months I would get extra of 50x0.039= RM1950 right?
And after 3 months I can withdraw all of it out right?

Fresh funds = Funds from Bank A move/transfer to Bank B either via cheq/bankers cheq/online

Yes
Btw, y u need to conduct IBFT twice?

If I were u, I will perform:-
a. Bank A FD due
b. Instruct Bank A to conduct Rentas from Bank A to Bank B
c. Issue personal cheq from Bank B for FD placement at Bank A

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).

that's why smartsavers is only good if you dont intend to use the fund in a particular month to enjoy the high-interest rate. if withdrawal happens, then it's like a normal savings account, that's all.

i use this smartsavers for 2 reasons: 1) ocbc super deal fd promo where i gotten the medklinn air steriliser, 2) the fund will be accumulated and used to reduce my housing loan in one lump sum, also from ocbc, hence i dont have immediate need to use the fund, while getting free money generated from the interest

use this in conjunction with m2u savers, then you gets higher interest rate too by maintaining min 2k balance.

What does it mean by: Please visit any OCBC branch to remove this withdrawal restriction (to have unlimited transaction limit)?   

Does it mean that we can go to the branch to remove this restriction so that we can make unlimited withdrawal transactions?

If allow to withdraw more than RM 25K, then can consider ah..
What if need money urgently for heart bypass operation...., and cannot withdraw money to save life... then how..?