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 Fixed Deposit Rates In Malaysia V. No.10, Please Read Post #1 & #2

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bbgoat
post Nov 2 2015, 03:23 PM

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QUOTE(familyfirst @ Nov 2 2015, 09:14 AM)
Mine was not linked.  Not sure abt others.
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Thanks to you and poor man (rich poor man tongue.gif ). I asked for even higher than 4.3% for 12 mths in CIMB. notworthy.gif notworthy.gif
ikanbilis
post Nov 2 2015, 03:29 PM

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QUOTE(bbgoat @ Nov 2 2015, 03:23 PM)
Thanks to you and poor man (rich poor man  tongue.gif ). I asked for even higher than 4.3% for 12 mths in CIMB.  notworthy.gif  notworthy.gif
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Congrats! Just wondering if they can give 4.4% or 4.35% if i put in rm250k for 12-mth FD?


??!!
post Nov 2 2015, 03:35 PM

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QUOTE(Ramjade @ Oct 31 2015, 06:04 PM)
Didnt expect ambank to be so canggih. Open on certain weekends.
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Ini sudah lama lor smile.gif

QUOTE(bbgoat @ Nov 2 2015, 03:19 PM)
Previously was CIMB PB but cancelled it as they wanted to charge if AUM <250k. Today signed up again and get 2 gifts.  biggrin.gif

What gift they give u? They told me nowadays no more welcome gift for PB. But gave me some random extra gifts that they have in the store. ( leather passport covers & leather cheque book holders)

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QUOTE(ikanbilis @ Nov 2 2015, 03:29 PM)
Congrats! Just wondering if they can give 4.4% or 4.35% if i put in rm250k for 12-mth FD?
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Your user name is a misnomer blush.gif
bbgoat
post Nov 2 2015, 03:39 PM

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QUOTE(??!! @ Nov 2 2015, 03:35 PM)
Your user name is a misnomer blush.gif
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So which "fishy" name is more appropriate ? tongue.gif
bbgoat
post Nov 2 2015, 03:44 PM

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QUOTE(??!! @ Nov 2 2015, 03:35 PM)
What gift they give u? They told me nowadays no more welcome gift for PB. But gave me some random extra gifts that they have in the store. ( leather passport covers & leather cheque book holders)
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You have enclosed the q's to me wrongly. Anyway will show the CIMB gift later.

This post has been edited by bbgoat: Nov 2 2015, 03:45 PM
Vincent9696
post Nov 2 2015, 03:45 PM

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Placed a FD in CIMB , no ask anything str8 gv me 4.3% , bullet is not much so didnt ask for higher.
??!!
post Nov 2 2015, 04:07 PM

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QUOTE(bbgoat @ Nov 2 2015, 03:39 PM)
So which "fishy" name is more appropriate ?  tongue.gif
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How about this?
user posted image
??!!
post Nov 2 2015, 04:11 PM

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QUOTE(bbgoat @ Nov 2 2015, 03:44 PM)
You have enclosed the q's to me wrongly. Anyway will show the CIMB gift later.
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Paiseh..ahmah here not very tech savvy. Would be happy to see what I have missed out smile.gif

or shall I say "I've been 'robbed' cry.gif by CIMB "
bbgoat
post Nov 2 2015, 04:48 PM

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QUOTE(??!! @ Nov 2 2015, 04:07 PM)
How about this?
user posted image
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Hahaha, you made my day ! notworthy.gif tongue.gif

QUOTE(??!! @ Nov 2 2015, 04:11 PM)
Paiseh..ahmah here not very tech savvy. Would be happy to see what I have missed out  smile.gif

or shall I say "I've been 'robbed'  cry.gif by CIMB  "
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It is actually as you said, a passport holder and a cheque book holder. Initially she said passport holder but I asked for some more and she produced the cheque book holder (though I did not have CA with CIMB).

You did get both, right ? hmm.gif

This post has been edited by bbgoat: Nov 2 2015, 04:53 PM


Attached thumbnail(s)
Attached Image
bbgoat
post Nov 2 2015, 04:52 PM

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QUOTE(bbgoat @ Nov 2 2015, 03:19 PM)
Doing FD Musical Chair today (also tomorrow).

In UOB Penang Kelawai Rd branch. Went to the PB centre. So bypass the normal customer service counter which have to go to first before going to their counters for various transaction. gsc has reported this a short while ago. Which is kind of troublesome as a person has to go to 2 counters.

So UOB Penang PB counter solved this issue.  rclxms.gif Got BC for RM0.68 each, taken 2 BC from them.

Quite a number of uncles and aunties up there in the first floor. While waiting, the PB service desk received calls like non stop asking about the latest FD rate. UOB 12 mth rate up to 4.25% until end Dec. (will attach the flyer later).

Met with my RM and got stuck for minutes.  tongue.gif

Went to CIMB to place FD. Before I went, already called to enquire about the rates. For 100k, said 4.2%. Said people getting higher, then the lady asked for amount. Later said can get 4.3% for 12 mths. When I was there asked for even higher rate, the RM said 4.2% to 4.3% can get immediate approval. For higher rate need HQ approval. She will call me later to confirm.

Process in CIMB is super fast. Few minutes only. Already have acct in another CIMB branch. This branch said no need to open another acct as can use the other acct.  thumbup.gif Previously was CIMB PB but cancelled it as they wanted to charge if AUM <250k. Today signed up again and get 2 gifts.  biggrin.gif

End of Part 1.  brows.gif  biggrin.gif
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UOB FD flyer:


Attached File(s)
Attached File  UOB_Nov_2015.pdf ( 352.53k ) Number of downloads: 164
bbgoat
post Nov 2 2015, 04:55 PM

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QUOTE(ikanbilis @ Nov 2 2015, 03:29 PM)
Congrats! Just wondering if they can give 4.4% or 4.35% if i put in rm250k for 12-mth FD?
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You can try. The RM called me and I got 4.35%. rclxms.gif

I did not get a receipt at that time as she will call me if get approval for higher rate. Will only get the slip may be tomorrow. Thinking of going there again tomorrow to place another one. drool.gif

This post has been edited by bbgoat: Nov 2 2015, 04:56 PM
familyfirst
post Nov 2 2015, 05:06 PM

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QUOTE(bbgoat @ Nov 2 2015, 04:55 PM)
You can try. The RM called me and I got 4.35%.  rclxms.gif

I did not get a receipt at that time as she will call me if get approval for higher rate. Will only get the slip may be tomorrow. Thinking of going there again tomorrow to place another one.  drool.gif
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Worth the try. Never try never know.
ikanbilis
post Nov 2 2015, 05:54 PM

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QUOTE(bbgoat @ Nov 2 2015, 04:55 PM)
You can try. The RM called me and I got 4.35%.  rclxms.gif

I did not get a receipt at that time as she will call me if get approval for higher rate. Will only get the slip may be tomorrow. Thinking of going there again tomorrow to place another one.  drool.gif
*
Can we view the OTC FD placement in our cimbclicks online?


bbgoat
post Nov 2 2015, 05:59 PM

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QUOTE(ikanbilis @ Nov 2 2015, 05:54 PM)
Can we view the OTC FD placement in our cimbclicks online?
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Yes, mine 4.35% already show up in my online account. It is an unfixed FD. The RM persuaded me not to break into various cert as I can take out 10k segments. biggrin.gif
Vincent9696
post Nov 2 2015, 06:17 PM

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QUOTE(bbgoat @ Nov 2 2015, 05:59 PM)
Yes, mine 4.35% already show up in my online account. It is an unfixed FD. The RM persuaded me not to break into various cert as I can take out 10k segments.  biggrin.gif
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U got a good service RM
bbgoat
post Nov 2 2015, 06:21 PM

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QUOTE(bbgoat @ Nov 2 2015, 03:19 PM)
Doing FD Musical Chair today (also tomorrow).

In UOB Penang Kelawai Rd branch. Went to the PB centre. So bypass the normal customer service counter which have to go to first before going to their counters for various transaction. gsc has reported this a short while ago. Which is kind of troublesome as a person has to go to 2 counters.

So UOB Penang PB counter solved this issue.  rclxms.gif Got BC for RM0.68 each, taken 2 BC from them.

Quite a number of uncles and aunties up there in the first floor. While waiting, the PB service desk received calls like non stop asking about the latest FD rate. UOB 12 mth rate up to 4.25% until end Dec. (will attach the flyer later).

Met with my RM and got stuck for minutes.  tongue.gif

Went to CIMB to place FD. Before I went, already called to enquire about the rates. For 100k, said 4.2%. Said people getting higher, then the lady asked for amount. Later said can get 4.3% for 12 mths. When I was there asked for even higher rate, the RM said 4.2% to 4.3% can get immediate approval. For higher rate need HQ approval. She will call me later to confirm.

Process in CIMB is super fast. Few minutes only. Already have acct in another CIMB branch. This branch said no need to open another acct as can use the other acct.  thumbup.gif Previously was CIMB PB but cancelled it as they wanted to charge if AUM <250k. Today signed up again and get 2 gifts.  biggrin.gif

End of Part 1.
*
Part 2: tongue.gif

CIMB RM called back and got 4.35% !! rclxms.gif Initially I thought she is just say say only as I already passed BC to her. Anyway happy that I got the extra 0.05% as it amount to >RM100 free money from CIMB !! brows.gif

Went to AmBank to place for the 6 mth 4.25% and 24 mth 4.6%. Was told likely to get the 20" bag for the 6 mth FD. Anyway, have to wait and see. rclxms.gif

Also take the opportunity to open TRUE Savers & TRUE Transact acct. Yet to read the details of the benefits of these 2 accounts. Have to deposit RM50 each to open the 2 accounts. Mainly know that the interest rate is high at 2.8%. Will use it to park any temporary funds in the future. Got a debit card which I was told no annual fees yet. Will cancel it if they impose annual fees. tongue.gif

This post has been edited by bbgoat: Nov 2 2015, 06:25 PM
cklimm
post Nov 2 2015, 07:18 PM

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QUOTE(bbgoat @ Nov 2 2015, 06:21 PM)
Part 2: tongue.gif

CIMB RM called back and got 4.35% !!  rclxms.gif Initially I thought she is just say say only as I already passed BC to her. Anyway happy that I got the extra 0.05% as it amount to >RM100 free money from CIMB !!  brows.gif

Went to AmBank to place for the 6 mth 4.25% and 24 mth 4.6%. Was told likely to get the 20" bag for the 6 mth FD. Anyway, have to wait and see.  rclxms.gif

Also take the opportunity to open TRUE Savers & TRUE Transact acct. Yet to read the details of the benefits of these 2 accounts. Have to deposit RM50 each to open the 2 accounts. Mainly know that the interest rate is high at 2.8%. Will use it to park any temporary funds in the future. Got a debit card which I was told no annual fees yet. Will cancel it if they impose annual fees.  tongue.gif
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HNWI spotted notworthy.gif
hwachong
post Nov 2 2015, 07:54 PM

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QUOTE(bbgoat @ Nov 2 2015, 06:21 PM)
Part 2: tongue.gif

CIMB RM called back and got 4.35% !!  rclxms.gif Initially I thought she is just say say only as I already passed BC to her. Anyway happy that I got the extra 0.05% as it amount to >RM100 free money from CIMB !!  brows.gif

Went to AmBank to place for the 6 mth 4.25% and 24 mth 4.6%. Was told likely to get the 20" bag for the 6 mth FD. Anyway, have to wait and see.  rclxms.gif

Also take the opportunity to open TRUE Savers & TRUE Transact acct. Yet to read the details of the benefits of these 2 accounts. Have to deposit RM50 each to open the 2 accounts. Mainly know that the interest rate is high at 2.8%. Will use it to park any temporary funds in the future. Got a debit card which I was told no annual fees yet. Will cancel it if they impose annual fees.  tongue.gif
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I deposit RM10 each into both TRUE Savers & TRUE Transact accounts only
bbgoat
post Nov 2 2015, 07:57 PM

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QUOTE(hwachong @ Nov 2 2015, 07:54 PM)
I deposit RM10 each into both TRUE Savers & TRUE Transact accounts only
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The ABM told me RM50 each. Anyway I can always ibg it out. Already shown online and ready for moving out or stayput. biggrin.gif
Ramjade
post Nov 2 2015, 08:06 PM

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bbgoatWelcome aboard. thumbup.gif Wonder what captain going to say. Since he holds maybank shares. tongue.gif

Keep in mind that ambank will charge you Rm5.X+ if you performed >3 withdrawal/IBG transfer/month.

Also you can keep your Truetransact at RM0. Dump everything into the Truesavers. Use the truetransact only for IBG/withdrawal as the RM0.11 is waived.

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