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

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cybpsych
post Nov 13 2015, 05:38 PM

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QUOTE(kit2 @ Nov 13 2015, 05:33 PM)
u double sure?

where is the online placement? where to deposit my RM10k?

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kit2
post Nov 13 2015, 05:41 PM

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QUOTE(cybpsych @ Nov 13 2015, 05:38 PM)
u double sure?

where is the online placement? where to deposit my RM10k?

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you scrolled down, but didn't you see "OCBC Online Fixed Deposit Exclusive"?

I didn't say they offer 4.5% for online Fd. i was lamenting they promoted in a misleading manner.

This post has been edited by kit2: Nov 13 2015, 05:45 PM
khairy4pm
post Nov 13 2015, 05:43 PM

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QUOTE(kit2 @ Nov 13 2015, 05:33 PM)
Terima kasih.
cybpsych
post Nov 13 2015, 05:53 PM

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QUOTE(kit2 @ Nov 13 2015, 05:41 PM)
you scrolled down, but didn't you see "OCBC Online Fixed Deposit Exclusive"?

I didn't say they offer 4.5% for online Fd. i was lamenting they promoted in a misleading manner.
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i know it was written "online" everywhere on the page, and very obvious cant make online placement except booking appointment (also for what reason)
wil-i-am
post Nov 13 2015, 05:54 PM

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PIDM seeks feedback on banking and insurance protection
http://www.thestar.com.my/Business/Busines...tion/?style=biz

Time to submit your comments...
kit2
post Nov 13 2015, 05:56 PM

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QUOTE(cybpsych @ Nov 13 2015, 05:53 PM)
i know it was written "online" everywhere on the page, and very obvious cant make online placement except booking appointment (also for what reason)
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make appointment and they will prepare powerpoints for you! smile.gif
mohdyusof
post Nov 13 2015, 06:04 PM

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QUOTE(sweetie_viking @ Nov 13 2015, 05:31 PM)
I don't know what's the minimum. I small time only player la so i only put RM2k for 3 months. still, happy to receive surprise gift la  rclxms.gif

mohdyusof, 3 mth rate was 3.1%p.a.
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tq.

is that gift still available if one place efd with uob?
mohdyusof
post Nov 13 2015, 06:08 PM

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QUOTE(kit2 @ Nov 13 2015, 05:41 PM)
you scrolled down, but didn't you see "OCBC Online Fixed Deposit Exclusive"?

I didn't say they offer 4.5% for online Fd. i was lamenting they promoted in a misleading manner.
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ya, silly of them. make appointment and still go to branch for fd. doh.gif

unless they give something for online appointment. smile.gif
adele123
post Nov 13 2015, 08:58 PM

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QUOTE(kit2 @ Nov 13 2015, 04:32 PM)
this sounds silly. i bet they thought you were laundering. you should raise your voice and ask why.

i find malaysian banks are over paranoid. everytime i walk into a bank to open an account, the first thing they will ask is where i work and where i live. they will be hesitant to open account for you if your answer is nowhere near the branch.
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This is standard I think. Annoying but necessary. And in my case it was same city different taman. The officer said cannot open because there is another public bank nearer to the address in ic. Luckily brought utility bills out by accident, so account opened
kit2
post Nov 13 2015, 09:45 PM

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QUOTE(adele123 @ Nov 13 2015, 08:58 PM)
This is standard I think. Annoying but necessary. And in my case it was same city different taman. The officer said cannot open because there is another public bank nearer to the address in ic. Luckily brought utility bills out by accident, so account opened
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double standard. making things difficult all in the name of anti-laundering and yet the big guys are exempted.

imho, just plain stupid and unnecessary. public bank is one of the banks that tried to give me problems. once i went to kl main to open account and they tried to stop me. i raised my voice and asked, "i always shop at klcc, so why i cannot use this branch?"

scb is another crazy bank. they rejected me, so i crossed the street to hsbc and put my money there.

nowadays, all branches are computerised and linked. opening account in one branch is no different from opening in other branches. if bnm wants to track small fish like us, just use our ic numbers and they can find out everything.

This post has been edited by kit2: Nov 13 2015, 09:49 PM
gsc
post Nov 13 2015, 10:35 PM

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QUOTE(kit2 @ Nov 13 2015, 05:17 PM)
ocbc's fd 4.5% is promoted as online, and yet you have to walk into a branch to get it!
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Typical bank approach. Trying to get customers change their mind to look into other investment products. I have gone through this once and the staff already knew what I want is pure FD
mohdyusof
post Nov 13 2015, 10:40 PM

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QUOTE(gsc @ Nov 13 2015, 10:35 PM)
Typical bank approach. Trying to get customers change their mind to look into other investment products. I have gone through this once and the staff already knew what I want is pure FD
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no wonder no beautiful rm want to go near you. unker goat said beautiful rm's in ocbc. tongue.gif
cybpsych
post Nov 14 2015, 10:22 AM

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QUOTE(bbgoat @ Nov 9 2015, 04:17 PM)
Heard that AmBank 6 mth 4.25% 20" trolley bag deal already filled up after 3 days, i.e. Wed last week ! Anyway I have placed mine on Monday last week.  rclxms.gif
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bag sudah finished blush.gif

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bbgoat
post Nov 14 2015, 10:24 AM

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QUOTE(cybpsych @ Nov 14 2015, 10:22 AM)
bag sudah finished  blush.gif
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I have said on the 3rd day of the offer, bag finished. biggrin.gif
cybpsych
post Nov 14 2015, 10:25 AM

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QUOTE(bbgoat @ Nov 14 2015, 10:24 AM)
I have said on the 3rd day of the offer, bag finished.  biggrin.gif
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yes, at least they notify potential users viewing from website biggrin.gif
bbgoat
post Nov 14 2015, 10:27 AM

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QUOTE(cybpsych @ Nov 14 2015, 10:25 AM)
yes, at least they notify potential users viewing from website  biggrin.gif
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Ya, but they still advertise the same advert on Star, which still with the bag shown there. Also kind of misleading. I saw that in the last 2 days. biggrin.gif
cybpsych
post Nov 14 2015, 10:28 AM

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QUOTE(bbgoat @ Nov 14 2015, 10:27 AM)
Ya, but they still advertise the same advert on Star, which still with the bag shown there. Also kind of misleading. I saw that in the last 2 days.  biggrin.gif
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haha advert on paper takes time to change, cuz they submitted the artwork in advance sweat.gif
bbgoat
post Nov 14 2015, 10:30 AM

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QUOTE(gsc @ Nov 13 2015, 10:35 PM)
Typical bank approach. Trying to get customers change their mind to look into other investment products. I have gone through this once and the staff already knew what I want is pure FD
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QUOTE(mohdyusof @ Nov 13 2015, 10:40 PM)
no wonder no beautiful rm want to go near you. unker goat said beautiful rm's in ocbc. tongue.gif
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So OCBC PB centre leng lui RM's hiding away when they see you ! No business, save the greeting ! tongue.gif
bbgoat
post Nov 14 2015, 10:32 AM

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QUOTE(cybpsych @ Nov 14 2015, 10:28 AM)
haha advert on paper takes time to change, cuz they submitted the artwork in advance  sweat.gif
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But on the 4/11, bag sudah habis. So >1 week later should change it. biggrin.gif
Plutoman
post Nov 15 2015, 06:48 PM

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QUOTE(Chili_90 @ Nov 13 2015, 01:20 PM)
seems like no 1 willing to go for maybank 4.5% instead of ocbc 4.5%  hmm.gif
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Actually for Maybank GIA FD, if you choose to roll over your monthly interest into your principle, you will be getting close to 4.6% pa. Of course only risk is principle/capital not guaranteed. Interest rate subject to OPR changes, I dont expect OPR to drop in near future, but if increase and maybank increase the FD rate will be bonus!

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